1. the identification marks of cards are different. the identification mark of Americanexpress card is "American express", which is presented in the lower right corner of the card with white characters on a blue background. The logo of the VISA card is "VISA", and the capital logo with blue characters on a white background is also presented in the lower right corner of the card surface.
2. The payment system is different. American Express Company has its own payment system and issues credit cards directly to consumers. Unlike the VISA card, American Express does all the work. Therefore, all American Express cards are issued by one company and use a special payment system.
3. The payment system is different. American Express Company has its own payment system and issues credit cards directly to consumers. Unlike the VISA card, American Express does all the work. For this reason, all American Express cards are issued by one company and use a special payment system. VISA cards are not issued by their own companies, but by banks all over the world, from which banks earn interest income. The user's credit card bill is sent directly by the bank and has nothing to do with the VISA card company.
: What's the difference between China Merchants Bank's American Express card and ordinary credit card?
1. The difference between the two is that American Express Card has some functions besides those of ordinary credit cards, for example, spending through international routes will be settled in US dollars, which can be used overseas (including Hong Kong, Macao and Taiwan), and repayment can be made in RMB after billing in US dollars.
2. American Express Card has VISA, MASTERCARD, JCB or American Express logo, so it can be used overseas (including Hong Kong, Macao and Taiwan).
3. Besides the functions of ordinary credit cards, American Express Card has the following functions:
4. The overseas consumption of credit cards through international lines will be settled in US dollars. If the consumption amount is not US dollars, the exchange fee between the two currencies will be 1.5% of the transaction amount (American Express is 2%). If the consumption amount is USD, there will be no settlement fee.
5. If you need to repay your consumption abroad in RMB, you can open the function of purchasing foreign exchange for repayment. After successful processing, if the automatic deduction function is set at the same time, the system will automatically deduct the corresponding amount from the associated card for repayment by default on the last repayment date based on the selling price of US dollar cash announced by China Merchants Bank.
VI. Repayment can also be made in RMB after billing in USD, and we will settle the account according to the selling price of USD cash announced by China Merchants Bank on the repayment day.