Introduction to the features of Industrial Bank VISA standard dual-currency credit card

Features of credit card

Introduction to Industrial Bank VISA standard dual-currency credit card:

1. Interest-free repayment period of up to 50 days

You can enjoy the interest-free repayment period of up to 50 days. You can also choose to repay the minimum repayment amount according to your financial management needs, and enjoy the convenience of flexible financial management.

2. Cash advance loan

Industrial Bank’s nationwide outlets and ATMs, as well as all UnionPay-connected ATM machines, can provide RMB cash advance services, and you can also bring UnionPay cards abroad. Withdraw local currency from ATMs with the , VISA or MasterCard logo.

3. Interest-free installment plan

You can enjoy interest-free installments for mail orders and interest-free installments in stores to purchase your favorite products, and repay them monthly. The procedure is simple and there is no additional interest. Achieve your dreams ahead of time.

4. Preferential merchants in Hong Kong and China

a. Exclusively offer annual discounts from Hang Seng Bank merchants in Hong Kong, and many well-known restaurants, entertainment, home furnishings, department stores and other merchants in most cities across the country. Discounts, and occasional consumption discounts for VISA and MasterCard.

b. Enjoy hotel and air ticket discounts: United eLong Travel.com, Ctrip.com, and Mango.com provide bookings for more than 28,000 hotels in more than 5,900 cities, domestic and international flight ticket bookings, and domestic and overseas travel and vacation product bookings. Serve.

5. Optional password for card swiping

You can choose to use "signature" or "signature plus password" for domestic consumption confirmation to fully meet your consumption convenience and security needs.

6. Transaction Notification SMS Service

If you have activated the Transaction Notification SMS Service, in China, as long as a transaction occurs on your credit card, your mobile phone will receive the transaction notification immediately. SMS to fully understand card dynamics and ensure the safety of card use. The transaction notification SMS service fee is RMB3 yuan/account per month (charged quarterly), and it is free for platinum credit cards.

7. Zero risk of reporting loss

Procedure for reporting loss:

To ensure the security of your card, once your credit card is lost, stolen or possessed by others, Please complete the loss reporting procedures immediately through the following methods:

a. Use your mobile phone to write a text message with "the last four digits of 34 (34)" and send it to 95561. You will receive a reply text message confirming that the loss report was successful.

b. Log in and call the 24-hour customer service hotline 95561;

d. Report the loss at the counter of any Industrial Bank outlet.

The loss report will take effect immediately after confirmation by the Bank, giving you no worries.

e. 24-hour overseas emergency rescue

When traveling overseas, just call the toll-free number of the local international organization to enjoy overseas rescue services including emergency cash withdrawals and emergency replacement cards.

f. Annual fee discounts

What does it mean to have visa on a credit card?

Visa credit card is a credit card jointly issued by banks and visa international organizations.

As long as the credit card you hold has the Visa logo printed on it, you can make purchases with the card at merchants that cooperate with Visa worldwide. In fact, just like all domestic bank cards have the UnionPay logo, UnionPay only covers domestic markets.

Credit cards with the visa logo can implement dual currencies on one card. The dual currencies include RMB and US dollars. They will also provide members with various products and services. The visa global electronic payment network system is committed to providing cardholders with Provide safer, faster and more convenient payment methods.

Extended information:

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay;

A quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

Advantages

Compared with ordinary bank debit cards, the most convenient way to use credit cards is that they can be used for ordinary consumption without cash in the card. In many cases, as long as there is no cash in the card, Just return the amount spent.

You can use overdrafts without deposits, and you can enjoy an interest-free period of 20-56 days for on-time repayment without any interest charges (most banks will charge an interest of 50,000 cents on the day of cash withdrawal, and There is a 2% handling fee. ICBC cash withdrawals are free of handling fees and only charge interest).

Swiping your card when shopping is not only safe and convenient, but also provides points for gifts.

You can enjoy discounts when you use the card at the bank's designated merchants.

Accumulate personal credit and add a record of integrity to your credit file that will benefit you throughout your life.

It is accessible nationwide and you can withdraw money or make purchases by swiping your card at ATMs and POS machines with the UnionPay logo; (Note: Credit cards are only suitable for consumption and swiping. It is best not to withdraw cash. The handling fee for cash withdrawals is very high and very inconvenient. Cost-effective)

Swipe card purchases, collect existing points with some credit cards, and offer a variety of discounts and lucky draws throughout the year, so you can always be surprised as long as you use the card; (most credit card online payments do not have points, but online shopping payments Very convenient and fast)

Free mailed statements every month, allowing you to transparently control every consumption expenditure; (now promoting green environmental protection, paper statements can be canceled and changed to electronic statements)

The unique supplementary card function is suitable for couples to manage finances at the same time, or to control their children's financial expenditures.

The free choice of one card and dual currencies is available all over the world. Overseas consumption can be repaid in domestic RMB.

400 or the 5-digit short number starting with 9 is available 24 hours a day. Loss reports are effective immediately and there is zero risk of losing the card.

Have validity period: It is known that the validity period of domestic credit cards is generally three or five years.

Use third-party platforms (the domestic platform that supports credit card bill management is mainly Jujindou) to conduct business cooperation and provide preferential services to cardholders

Bank of China Dual Currency Credit Card VISA can directly Pay in pounds?

Not supported yet.

The above content is for your reference, please refer to actual business regulations.

What is the China Merchants Bank Visa Card? How to apply for a Visa Card?

Have you noticed that some bank cards are marked with the "Visa" logo? This kind of card is a Visa card. , China Merchants Bank has launched a visa card. A visa card can be a credit card, a debit card or even a prepaid card, etc. So what is the visa card of China Merchants Bank? How should we apply for a visa card? Below, follow me and take a look.

How to apply for China Merchants Bank visa card

Visa card is a dual-currency credit card of China Merchants Bank. It should be noted here that not all visa cards launched by China Merchants Bank are credit cards. For example, those launched by China Merchants Bank International debit cards are also visa cards. Generally speaking, visa credit cards include regular cards and gold cards, which you can pay attention to when handling them.

Visa credit card is a credit card that can be overdrafted, that is, consume first and repay later. There is no interest on deposits and there are handling fees on withdrawals. It is used for swiping the card for consumption. The visa gold card is a VIP card applied for by customers with assets of more than 50,000 yuan at China Merchants Bank. It is a savings card. Deposits are interest-bearing and can be used to deposit time deposits, current deposits, treasury bonds, financial management, funds, online banking, etc., with a 50% discount on handling fees. . The former is used for consumption and the latter is used for saving money.

Visa credit card application process:

1. Fill in the application form;

2. Give the bank your information such as personal certificate, professional certificate, and income certificate etc., and various copies;

3. The bank sends it to the credit card center;

4. The credit card center conducts review, card printing, and card issuance;

5 , after getting the card, open the card and wait for the password letter.

Have you understood all the above? Visa cards are not just credit cards. There are debit cards, regular cards, gold cards, platinum cards, unlimited cards, etc. Therefore, if you want to apply for one, Visa card, you need to know which kind of visa card you want to apply for. The above also gives you the process of applying for visa. I hope it can help you.

This concludes the introduction about visa dual-currency credit card and whether students can apply for visa dual-currency credit card. Did you find the information you need?