What are the international credit cards?

What are the international credit cards?

What are the international credit cards? International cards are cards issued by banks and international credit card organizations to people with good credit for overdraft consumption around the world. They are very convenient for friends traveling abroad. Now let me tell you what international credit cards are.

What are international credit cards 1

1. What is an international credit card?

An international credit card is a type of credit card issued by banks and international credit card organizations to those with good credit. A card that can be used for overdraft consumption worldwide, and is also used to confirm the user's identity on international networks.

2. Overview of International Credit Cards

Cards issued by members (banks) of international card-issuing organizations can be used for payment at the organization's special merchants. Such cards are called international cards. As we all know, the three major international organizations are VISA, MASTER and JCB. Among them, VISA has the highest market share, followed by MASTER and JCB. However, JCB is very easy to use in Japan, but not necessarily in other places. Although JCB is also an international card, some online purchases do not accept JCB.

Usually international credit cards use US dollars as the settlement currency. International credit cards can be used for overdraft consumption (consumption first and repay later). The more common international credit card brands are mainly Visa, MasterCard, etc., and major domestic commercial banks They also offer international credit card services, and you can easily apply for a credit card at the bank counter. Please note that there is no interest on deposits made to international credit cards.

3. Special International Credit Card

1. ICBC Peony International Credit Card

The card can open both a RMB account and a US dollar (or Hong Kong dollar) account. In addition to the In addition to domestic card consumption, cash deposits, withdrawals and inquiries at ICBC nationwide business outlets or UnionPay ATM machines, you can also use VISA, MasterCard or American Express card designated merchants and their logos around the world. Use or withdraw local currency at ATMs, enjoy preferential exchange rates from international credit card organizations, and reduce losses and troubles in foreign currency exchange.

RMB accounts and foreign currency accounts (US dollars or Hong Kong dollars) each have their own credit lines and do not affect each other. In addition, U.S. dollar accounts can be used for shopping on foreign websites. The unique online transaction switch function of Peony International Card fully guarantees the security of your card use.

2. Agricultural Bank of China Golden Harvest Credit Card Dual Currency Card

The dual-currency credit cards issued by Agricultural Bank of China are Visa and MasterCard, and the other special cards are Golden Harvest Platinum Card, Golden Harvest International Travel Card, MasterCard HNA Co-branded Card, etc. The dual-currency card has two accounts in RMB and US dollars, and both accounts share one credit limit. For overseas non-UnionPay POS purchases and overseas ATM cash withdrawals, US dollar accounts are used. There is no handling fee for consumption, and a handling fee of 3 (minimum 3 USD) of the transaction amount is charged for cash withdrawals. If the local currency is non-USD, an international settlement fee will be charged, which is 1.1 of the transaction amount for Visa and 1.1 for MasterCard.

3. BOC Great Wall International Card

A chip (EMV) credit card that complies with international standards. There are US dollar cards, Hong Kong dollar cards, euro cards and pound cards to choose from. You can make purchases at more than 29 million VISA or MasterCard merchants in 256 countries and regions around the world. You can also withdraw cash at member banks. You can also withdraw money at ATMs marked "PLUS" or "CIRRUS" around the world. In addition, relevant fees can also be paid online.

4. Bank of China Great Wall International Zhuojun Card

A credit card specially designed for people studying abroad. Its products, services and discounts fully cater to the needs of overseas students. Zhuojun Card has Euro Card and Pound Card to choose from. Parents can use a variety of repayment methods to pay for their children’s living expenses while studying abroad.

5. China Merchants Bank dual-currency international credit card

China Merchants Bank has many types of dual-currency international credit cards, among which aviation credit cards have cooperation with many airlines.

For example, China Merchants Bank and All Nippon Airways launched the first credit card co-branded by a foreign airline in China - ANACard. Miles can be accumulated by swiping the card for consumption; if you use the card to pay the full amount of air tickets or 80 tour group fees, you can receive aviation accident insurance up to 2 million yuan.

6. CITIC Dual Currency Credit Card

CITIC Dual Currency Credit Card (RMB and USD, RMB and HKD) can be used for spending at more than 27 million VISA-marked merchants around the world. Withdraw cash 24 hours a day from more than 700,000 ATMs around the world. CITIC Credit Card also provides aviation accident insurance of up to 15 million yuan, and the "400" Mandarin global customer service hotline provides 24-hour free service.

7. Dual-currency credit cards in the China Construction Bank Business Travel Series

Many credit cards in the China Construction Bank Business Travel Series, including China Eastern Airlines Dragon Card, Shenzhen Airlines Dragon Card, and Mango Travel Dragon Card, are dual-currency credit cards. For example, China Eastern Airlines Dragon Card is an airline co-branded credit card jointly issued by China Construction Bank and China Eastern Airlines. This card combines the Dragon Card dual-currency credit card and the Eastern Miles membership card. In addition to accumulating Eastern Miles points, you can also receive high-value aviation accident insurance. If your domestic flight with China Eastern Airlines is delayed for more than 4 hours, you can also receive Complimentary flight delay insurance and baggage delay insurance.

8. Bank of Communications Dual Currency Credit Card

It adopts the form of main card and supplementary card and can be used globally. There is no handling fee for consumption and the longest interest-free period is 56 days. When abroad Emergency cash withdrawals are also available. Your child's consumption bills will be sent to you on time every month. You can also activate the bank letter service, and the details of each of your children's consumption will be sent to your mobile phone in the form of text messages as soon as possible. If your credit card is lost, you should immediately call 86-4008009888 to report the overseas emergency loss to avoid losses.

IV. Notes

1. Adjust the credit card limit

Usually, the credit card limit given by the bank is relatively large. For example, my credit card limit is close to two Ten thousand yuan, usually such a credit limit cannot be used, and if the credit card is lost, it will cause a lot of unnecessary losses, so individuals can manually adjust the credit card limit, such as the credit card limit in the professional version of China Merchants Bank Online Banking Set a limit during the adjustment, so that the consumption limit of the credit card is limited to this limit, and the risk is much smaller. When more limits are needed, you can manually modify it back.

2. Turn off the ATM withdrawal function of your credit card

Using a credit card to withdraw money from an ATM is basically useless, and the interest rate is astonishingly high. Once the credit card is stolen, it will bring more risks. , so it is recommended to turn off the withdrawal function of your credit card.

6. Which is more secure, signature or password?

Using signatures as credit card consumption vouchers is the mainstream in the international banking industry. From a security perspective, this kind of credit card does not require a password and can be consumed with just a signature, especially through online banking. As long as you know the cardholder's name, credit card expiration date and query password, it may be stolen. Therefore, many domestic cardholders believe that passwords are more secure than signatures. However, using passwords also has some disadvantages, that is, the responsibility for keeping the password is transferred to the cardholder, which means "you are responsible for the loss". Once a credit card is used fraudulently, the rights and interests of cardholders who use signatures can often be better Good protection and compensation.

What are the international credit cards 2

1. Visa card (VISA)

VISA card is also translated as Visa, Weixin, Huicai Card, and Visa. Visa card is a credit card brand. In 1959, Bank of America began to issue Bank of America cards in California, USA. Visa cards began to be issued in 1976. In 1977, "VISA" was officially used as the organization's logo, called Visa International Organization. VISA card is a credit card issued by Visa International in late 1982. It can be accepted at more than 29 million merchant transaction points around the world, and can withdraw cash at 1.8 million ATMs, providing endless convenience.

2. MasterCard

MasterCard International created an internationally accepted credit card system from the late 1950s to the early 1960s, which soon became popular around the world. In 1966, an organization (Interbank Card Association) was formed. In 1969, the Interbank Card Association purchased the patent rights of MasterCharge and unified the credit card names and style designs of various card issuers. In the following ten years, the original name of MasterCharge was changed to MasterCard.

3. American Express Card (American Express)

Since the issuance of the first American Express card in 1958, American Express has so far issued American Express cards in 68 countries and regions in 49 currencies. , has built the world's largest self-contained special merchant network and has a high-quality cardholder group of more than 60 million. American Express was founded in 1850. Its initial business was to provide express delivery services. With the continuous development of business, American Express took the lead in launching travellers' checks in 1891, mainly for high-end customers who travel frequently. It can be said that American Express has a history of serving high-end customers for a hundred years, and has accumulated rich service experience and a large group of high-quality customers. There are also Peony Express Cards, China Merchants Express Cards, CITIC American Express Cards, Great Wall American Express Cards, and Minsheng Express Cards.

4. Diners Club

Diners Club was founded by entrepreneur Frank MCMamaca in 1950. It was the first plastic payment card and eventually developed into an internationally accepted card. credit card. In 1981 Citigroup, the holding company of Citibank, the largest retail bank in the United States, accepted the Diners Club International card. Diners Club's main advantage is that it increases its sales in untapped territories and builds on the strong position the company maintains in the credit card market. The company has strengthened its position in the international market through a reciprocal agreement between Diners Club's cash exchange network and its ATM network.

Industrial and Commercial Bank of China (ICBC) introduced mainland China’s first Diners Club brand RMB/USD dual-currency card.

5. JCB (JapanCreditBureau)

JCB card is an international credit card commonly used in the world. It is a credit card jointly issued by Japan's Sanwa Bank, Nippon Shinto Bank, Mitsui Bank, Kyowa Bank, and Daiwa Bank in 1961. This credit card (2013) has been issued and circulated in 190 countries and regions around the world. It is one of the top five international credit card brands and the only international credit card brand originating from Asia.

JCB pays special attention to countries and regions such as China and South Korea. In China, 9 banks have issued JCB credit cards, including Bank of China, Bank of Shanghai, China Everbright Bank, China Minsheng Bank, China Merchants Bank, Shanghai The number of cardholders of Pudong Development Bank, Ping An Bank, China Construction Bank and Industrial and Commercial Bank of China has exceeded 5 million.

How to check the annual fee of a credit card

How to check the annual fee of a credit card:

(1) Call the bank customer service number to check. After calling the credit card customer service, you will be transferred to manual service. After entering other information as required, you can check the annual fee.

(2) Inquiry through online banking. After logging into online banking and entering your username, password and verification code, you can check your credit card annual fee and other information. For example, to inquire about the annual fee of ICBC credit card, log in to the ICBC APP (version 7.0.1.2.1) on the iPhone 13 iOS 15.0 version, click "Credit Card", click "Settings", and then click "Card Information" on the card interface. ".

(3) Inquiry through credit card statement. The bank will list the annual fee and amount separately on the statement, and cardholders can know their annual fee standards through the statement.

Credit card annual fee rules refer to some corresponding regulations for the annual payment of credit cards. Banks are not allowed to charge annual fees before the credit card is activated by the cardholder. However, in the face of the various annual fee rules for credit cards from different banks, most Most people have little idea about it. Most annual credit card fees are around one hundred yuan. Some banks stipulate that you can waive the annual fee by swiping three times a year.

Annual fee standards: The annual fee policies of most banks have not changed. Generally, the annual fee for standard credit cards is about 100 yuan, while the annual fee for gold cards is generally 200 yuan or 300 yuan. The annual fee for a single-currency card is lower than that for a dual-currency card. The annual fee for supplementary cards is generally half the annual fee for the main card.

However, the annual fee standards for credit cards of various banks will vary depending on the card. For example, the annual fee for the Shanghai Pudong Development Bank standard credit card is 180 yuan for the main card and 90 yuan for the additional card; the annual fee for the gold card is 360 yuan for the main card and 180 yuan for the additional card; and the annual fee for the Shanghai Pudong Development Bank co-branded card is 360 yuan; as for the Pudong McDull series The credit card also displays the sign of “no annual fee for life”. Therefore, even if credit cards are issued by the same credit card center, the annual fee standards will be very different. Cardholders should first ask how high this "potential cost" is when applying for a card.

Disguised annual fee: Cardholders need to pay attention when looking for free lunches. Although some bank credit cards claim to be free of annual fees for life, before they can enjoy the annual fee exemption, they still need to pay a certain amount of " "Moving-in fee", such as Shanghai Pudong Development Bank's WOW card, you need to pay a "moving-in fee" of 260 yuan to be exempted from the annual fee.

The ANACARD credit card of China Merchants Bank [18.044.64] is free of annual fees for life, but the bank will charge membership fees on behalf of ANA, which is 650 yuan/year for the main card and 325 yuan/year for the supplementary card.

In fact, consumers do not necessarily have to choose a credit card with lifetime annual fee exemption. They can still avoid unnecessary fees by choosing a credit card that suits them and using it rationally.

The annual fee has been deducted, but I have repaid it 6 times. Can I be exempted from the annual fee?

If the annual fee has been deducted, you need to negotiate with the credit card customer service center and apply for a refund of the annual fee after six recharges. Some banks can do it, and some banks can't. You can call the bank's customer service number first. If they say it can be done this way, the annual fee will be returned to your account. If they say no, you can only remember to swipe the card the maximum number of times in the future.

The number of card swipes is used to deduct the annual fee: The purpose of bank credit to cardholders is to allow cardholders to make profits by using credit cards. For the benefit of their own banks and cardholders, banks will The annual fee is reduced based on the number of credit card swipes.

General credit cards will directly implement the policy of waiving annual fees. Most regular cards and gold cards will not only waive the annual fee in the first year, but also waive the annual fee by swiping the card for subsequent purchases. As for some high-end cards such as platinum cards, the annual fees are generally rigid, but some can also be redeemed through points.

: In addition to waiving the annual fee for credit card swiping, are there any other ways to waive the annual fee?

1. The annual fee will be waived after meeting the conditions. Almost all regular cards and platinum cards will waive the annual fee in the first year, and then the annual fee will be waived for the following year after meeting the conditions.

2. Lifetime annual fee exemption. There are actually two situations: the first is completely free of annual fees. There is no annual fee charged from the time you apply for the card. For example, Pudong Development's Dream Card is life-long. No annual fee.

The second is a nominal annual fee exemption. For example, China Merchants Bank's ANACARD credit card is stipulated to be free of annual fees for life, but membership fees will be charged on behalf of ANA, which is 650 yuan/year for the main card and 325 yuan/year for the supplementary card.

3. Points can be used to offset the annual fee. Some platinum cards require points to offset the annual fee. For example, Everbright Bank Golf Platinum Card and Shanghai Pudong Express Express Platinum Dream Card can all use points to offset the annual fee. The annual fee is generally deducted from 200,000 points.

Although the annual fee is also a credit card expense, generally the benefits of credit cards without annual fees will be relatively higher. Therefore, friends can choose the appropriate credit card type according to their own needs.

That’s it for the introduction of ANA Credit Card.