How to use Minsheng visa full currency credit card is the most cost-effective
The biggest use of credit card is overdraft consumption, so the most cost-effective use is naturally inseparable from credit card consumption. As an all-currency credit card, this all-currency credit card of Ping An Minsheng visa is the most cost-effective in consumption abroad. However, this premise is that everyone should master the correct swipe posture. After all, swiping the card at the right time can bring you a lot of convenience.
Minsheng Full Currency Credit Card is an international EMV standard chip credit card, which has all the financial functions of traditional magnetic stripe credit cards, while providing cardholders with higher security and more convenient payment experience.
shopping with this card is the most cost-effective, which usually refers to grasping the best time to swipe the card. As we all know, Minsheng Credit Card can enjoy an interest-free period of 2~5 days, with a difference of 32 days between the longest and the shortest. What's the matter? The key point here is the time of swiping the card.
normally, the interest-free period of a credit card is affected by three factors, one is the credit card date, the other is the billing date, and the other is the final repayment date.
if you swipe your card on the day after the bill date, it is the most cost-effective, because you can enjoy the interest-free period of up to 5 days, while swiping your card on the day of the bill date can only enjoy the interest-free period of 2 days. See here, everyone understands. Mastering the best time to swipe your card can win us a longer interest-free period!
In addition, we must pay attention to the following points in the process of swiping the card
1. Timely repayment: After the credit card is overdrawn, it must be repaid before the final repayment date, otherwise, the bank will not only charge overdraft interest, but also late fees, which will seriously cause bad credit and cause a lot of inconvenience for applying for loans in the future.
2. Don't withdraw cash: Credit card withdrawal is expensive. Not only can you not enjoy the interest-free period, but you also have to charge a handling fee. Besides, you have to calculate the daily interest at .5% of the withdrawal amount from the date of withdrawal. If you have to, you'd better not withdraw cash.
Minsheng VISA full currency credit card
( handling fee for foreign currency transaction and overseas cash withdrawal; Overseas five-star hotel discount)
How to use Minsheng mastercard full-currency credit card
1. MasterCard full-currency international credit card has several card organizations, namely MasterCard), Express Centurion Card and jcb Visa), which can be organized by two cards: domestic main card and Japanese credit card, and bank cards with MasterCard single logo abroad are convenient for MasterCard. During the setup process, cash is withdrawn from the ATM, and the handling fee is 25 yuan. Therefore, it is more convenient. Bank cards with UnionPay logo abroad are convenient for MasterCard.
2. MasterCard full-currency international credit card has two versions: visa version and UnionPay version, so it can be the same as visa on a global scale, and we can use it abroad, generally covering both domestic and overseas.
All-currency credit card
Basic definition
All-currency credit card means that the credit card supports credit card spending in the currencies of many countries. When the cardholder is in consumption abroad, all foreign currency transactions are automatically converted into RMB according to the exchange rate, and the cardholder only needs to repay in RMB without currency conversion fee.
Basic uses
Foreign currency credit cards are used in Haitao, foreign investment, overseas travel, study abroad, etc. Compared with single currency foreign currency credit cards, full currency credit cards are more convenient for many countries and regions. Its biggest highlight is that it can avoid exchange rate losses and handling fees during currency conversion.
Many banks in China, agriculture, industry, construction, China Merchants, etc. have bought all-currency credit cards, but they are basically US dollar cards. That is to say, when cardholders use all-currency credit cards to spend money, the credit cards will convert the consumption currency into US dollars, and then convert the US dollars into RMB, among which only ICBC Global Travel Card has 1 accounts in other currencies.
We need to make it clear that most of the "all-currency" credit cards we hold are "multi-currency, dual-currency and single-currency cards", which are not real all-currency credit cards. Its * * * feature is that the "currency conversion fee" is exempted, and the difference is how many currencies are supported, that is, how many currencies can be used for repayment.
if you want to apply for a full-currency credit card, you can charge from the annual fee; Credit card preferential activities (merchant discount, Haitao cashback); Credit card points and credit card rights; Whether the repayment is convenient, outlets, customer service quality and other aspects are comprehensively considered.
Many domestic banks have issued all-currency credit cards. You can sort them according to the proportion of your concern and select the most suitable all-currency credit card.
How to use China Merchants Bank's all-currency international credit card
All transactions (including cash withdrawal) with the all-currency credit card are automatically converted into RMB bills, and the 1.5% currency exchange fee is exempted, so it is not necessary to purchase foreign exchange, and repayment is made directly in RMB. There are many ways to repay by credit card. For details, please refer to this webpage.
What is a full-currency credit card of China Bank?
The full-currency international chip card of Bank of China is only used by online merchants of international organizations outside China and in China, Hong Kong, Macao and Taiwan. It does not support domestic RMB transactions (including online transactions, payment without cards, physical transactions, etc.), and domestic cash deposit and withdrawal and transfer transactions are not affected.
the above contents are for your reference. please refer to the actual business regulations.
This is the end of the introduction about how to use the all-currency credit card and what the all-currency credit card is. Did you find the information you need?