I used my domestic credit card to refuel at a gas station in the United States and was asked to enter a zip code. I tried the first 5 digits and the last of the local zip code and my home zip code
To fill up Cards issued to non-U.S. addresses will not be accepted at station machines.
You go to the counter inside to pay.
Which credit cards offer gas discounts?
The credit cards with gas discounts include the following: Minsheng Bank Car Owner Card Gold Card and Platinum Card gas rebates; GF Tuhu Car Ownership Co-branded Card for monthly gas refueling Cash back; ICBC Auto Plus Card gets cash back when you refuel at China Petroleum gas stations every Sunday; Great Wall Global Auto Credit Card gets cash back when you refuel; Ping An Car Owner Card gets 12% off on refueling, etc.
Each bank has promotions for refueling. Credit cards other than car owner’s cards will also provide refueling discounts, cash rebates and other discounts.
Origin of credit card products:
The earliest credit card appeared at the end of the 19th century. In the 1880s, the British clothing industry developed so-called credit cards, and the tourism and business sectors followed suit. However, the cards at that time could only be used for short-term commercial credit, and the money still had to be paid as and when used. Long-term arrears were not allowed, and there was no credit line.
A credit card is generally a special carrier plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. The name of the card issuer, validity period, number, cardholder name, etc. are printed on the front, and there is a chip on the back. Magnetic strip, signature strip. Cardholders can use their credit cards to shop and spend money with special entities and deposit and withdraw cash from banks.
It is said that one day in the 1950s, American businessman Frank McNamara was entertaining guests for a meal in a New York hotel. After the meal, he found that he had forgotten his wallet and had to call his wife to bring cash. McNamara came up with the idea of ??starting a credit card company because he felt embarrassed about paying the bill at a restaurant. In the spring of 1950, McNamara and his friend Schneider invested US$10,000 to establish the "Diners Club" in New York, the predecessor of Diners Club. Diners Club provides members with a card that can prove their identity and payment ability. Members can use the card to record their purchases at 27 designated restaurants without having to pay cash. This is the earliest credit card. This kind of credit card that does not require bank processing is a commercial credit card.
In 1952, Franklin National Bank in California, USA, was the first financial institution to issue a bank credit card, becoming the first bank to issue a credit card.
In 1959, Bank of America issued the Bank of America card in California. Since then, many banks have joined the ranks of card-issuing banks. By the 1960s, bank credit cards were quickly welcomed by all walks of life and developed rapidly. Credit cards became popular not only in the United States, but also in the United Kingdom, Japan, Canada and European countries. Since the 1970s, Hong Kong, Taiwan, Singapore, Malaysia and other regions have also begun to handle credit card services.
In the 1960s, credit cards sprouted and developed rapidly in developed European and American countries such as the United States, Canada, and the United Kingdom. After more than 50 years of development, credit cards have been widely accepted in more than 95% of countries around the world. In the 1980s, with the reform and opening up and the development of market economy, credit cards began to enter China as an electronic and modern consumer financial payment tool. In the past ten years, they have developed by leaps and bounds.
After experiencing the financial crisis and the ups and downs of the domestic economy, my country's credit card market rebounded in 2016. By the end of 2016, the total number of domestic credit cards issued had exceeded 590 million. In 2016, the national credit card consumption transaction amount reached 741.81 trillion, an increase of 10.75%, and the proportion of credit card consumption in the total retail sales of consumer goods continues to increase. [6-7]
According to the "2013-2017 China Credit Card Industry In-depth Research and Investment Strategic Planning Analysis Report", since 2010, in order to restrain the rapid rise in asset prices and control inflation, the Chinese government has implemented It has implemented a sound monetary policy and adopted a series of moderate tightening measures, indicating that macro-prudential and strengthened capital supervision have become the core of China's banking industry supervision. Various tightening money supply operations and capital constraint policies have an impact on the liquidity levels and capital constraints of China's commercial banks. The pace and structure of credit disbursement have had far-reaching consequences.
The analysis believes that the evolution of the industry structure has further optimized and diversified the product portfolio, and also increased the research and development of new industry standards and mobile payments; credit penetration has deepened; and the installment business has developed in depth.
In February 2012, the bank confirmed that credit cards without passwords are more secure, and they will share the responsibility if the credit card is stolen. Enjoy an interest-free period of 25-56 days (or 20-50 days). Card consumption enjoys an interest-free period, and if you pay off the bill before the due date, no fees will be incurred. There is no interest-free repayment period for cash withdrawals, and a daily interest rate of 0.05% will be charged from the day of withdrawal. The bank will also charge a certain percentage of cash withdrawal fees.
China’s credit card market is still one of the fastest-growing product lines in China’s personal financial services market. Although the economic benefits of the industry are full of challenges, driven by economies of scale and growth in consumer spending, China’s credit card market will continue to grow in the next 10 years. The average annual growth rate of credit card issuance will remain at around 14%, and profitability will also tend to improve;
According to a report released by the People’s Payment and Settlement Department of the People’s Republic of China, as of the third quarter of 2021, credit card and lending contracts will There were 798 million cards, a month-on-month increase of 0.97%, and the per capita number of credit cards and debit cards combined was 0.57. [19]
How to use credit card to refuel in the United States
Information required for credit card application
1. Identity proof information: copy of resident ID card or military officer ID ; If you are a compatriot from Hong Kong, Macao and Taiwan or a foreigner applying in the mainland, you also need to provide proof of employment.
2. Work and income certification materials: salary certificate, copy of social security (paid for more than half a year).
3. Supporting information for Agricultural Bank of China credit card application: academic qualifications, professional titles, professional qualification certificates, self-owned real estate certificate, self-owned car driving license, telephone number, water, electricity, and gas of the current place of residence in the past three months. The original document of any fee, a copy of a time deposit certificate issued at the Agricultural Bank of China with an amount exceeding 10,000 yuan, etc.
Can domestic credit cards be used to pay at gas stations in the United States
Credit cards generally accept international payments. Whether it can be used overseas depends on the card organization's logo. For example, in the United States, VISA cards are mainly used. If the credit card you apply for in China has the VISA logo, it can be used in the United States. When you return home, you can return US dollar cash to the card, or you can use RMB to purchase foreign exchange for repayment. Of course, gas stations in the United States must also support card payment. For example, I have a CCB Global Payment Dragon credit card, which is dual-standard, UnionPay + VISA, and can be used at home and abroad. I am not afraid of traveling around the world. No matter what currency the transaction is, it is settled in RMB, with no handling fees, and repayment is convenient. It’s also easy to use for overseas shopping, and you can use this card for overseas transactions, whether it’s physical stores or online shopping, and you can get 6% cash back~
When using a Chinese credit card to refuel in the United States, pay 50, and only add up 30
An extra 20 is pre-authorized. You need to contact the bank and pay attention to the billing information. Last month, my classmate received a 200-dollar pre-authorization for gas 60. After contacting the bank, I found out that it was just a pre-authorization. Just authorized.
Beauty, can I use domestic credit cards for self-service refueling in the United States?
Currently, China Merchants Bank’s credit cards have two basic credit card lines, UnionPay lines and international lines (VISA, MASTERCARD, JCB or American Express wait). When the card is swiped on UnionPay lines, the payment will be settled directly in RMB; when the card is swiped on international lines, the payment will be settled in US dollars. Since overseas consumption by credit card will be settled in U.S. dollars, if the consumption amount is non-U.S. dollars, there will be an exchange fee between the two currencies, which is 1.5% of the transaction amount. The exchange fee is collected by our bank on behalf of international organizations. If the consumption amount is in US dollars, there will be no foreign exchange settlement fee. (If you use a full-currency credit card, you can spend any foreign currency around the world with 0 currency exchange fees. The function of purchasing foreign exchange will be automatically activated, and you can purchase foreign currency and repay in RMB for foreign currency consumption.)
The introduction of domestic credit card US refueling is here Let’s stop talking here.