1. Domestic UnionPay credit card. This kind of card can be used to pay on the Amazon website in the United States starting from April 1 this year. Other overseas websites do not support it, so a second form of card payment is required.
This kind of card payment has a disadvantage. It cannot be pre-authorized. After Amazon places an order, UnionPay directly converts it into RMB for deduction based on the exchange rate. If the order is canceled during the period, the money will be stranded. In Amazon or UnionPay, the money will not be returned to the personal bank card anyway. At this time, you need to personally contact your card-issuing bank to inform them that the transaction has been canceled but the money is still actually deducted. Provide the order number of the transaction, the order time, and the cancellation time, and let the bank verify and recover the refund for you. payment.
2. Visa or Master dual-currency credit card. There is no difference between these two cards. They can pay for most foreign shopping websites. However, there are still some websites that do not support domestic cards with this mark. In this case, the third form of card payment must be used.
Applying for these two cards is also very simple. You only need to explain it to the bank when applying. Dual-currency credit cards refer to cards with UnionPay and one of the logos, such as UnionPay Visa or UnionPay Master; and Visa or Master refer to VISA International and MasterCard International organization, just like UnionPay is the China Bank Card Union. There are five major credit card brands in the world. In addition to visa and master, there are also Diners Club, JCB (JAPAN CREDIT BUREAU CARD) and American Express. Generally, visa is used more in the United States, and master is used more in Europe. .
3． American Express (American Express) is referred to as AE Dual Currency Card. Most overseas shopping websites accept AE cards. Moms who are planning to do overseas shopping recommend this card when applying for a new credit card. Domestic banks that have this card include: Industrial and Commercial Bank of China, China Merchants Bank, Bank of China, CITIC Bank, etc. Basically, they are free of charge by swiping the card. fee. According to the layout style, the investment promotion is good-looking, and the investment quota is relatively higher than that of ICBC.
4. All-currency cards. Visa cards, Master or AE cards are all settled in US dollars. For non-US dollar settlement shopping websites, using these cards requires a currency exchange fee of about 1.5, so if you don’t want to spend money in vain, you need to apply for a multi-currency card to attract investment. You can apply for all-currency cards from banks and Bank of China.
When will everyone use this kind of card? Now that Japan’s exchange rate continues to fall, South Korea and Europe also have needs, so there will be demand for different currencies. Therefore, you can apply for an additional full-currency card when needed and save some expenses.
5． No credit card payments abroad. This payment method requires the use of gift cards from overseas websites and QQ Tenpay virtual cards for shopping
Not everyone can apply for a dual-currency credit card, but this method can avoid some troubles , as long as you have a UnionPay card, you can shop overseas. For example, if you buy something worth 200 US dollars on Amazon in the United States, search for Meiya gift cards on Taobao, and buy Meiya gift card coupons on Taobao, similar to JD.com’s shopping coupons, they can be directly redeemed in cash, and you do not need to pay directly with a credit card.