What does visa card mean?

Visa card is an international credit card (standard credit card, or debit card) product that can be used globally and has the function of interest-free overdraft for consumption. visa provides a wide variety of credit and debit products to meet various payment and life needs.

visa card

is an international credit card (standard credit card, or debit card) product that can be used for consumption at visa-approved merchants around the world, and has the functions of interest-free overdraft for consumption. Visa is an international card issuing organization. Visa International is operated and managed by Visa International Organization located in San Francisco, California, USA.

Visa credit card is a credit card jointly issued by the card-issuing bank and visa international organization. This kind of credit card can be used at Visa authorized merchants around the world, and the credit card has the Visa International logo on the card.

Visa provides its financial institution customers with a rich credit card product platform that can meet various payment needs from new credit card customers to high-end consumers, as well as large institutions. Visa's credit card platform also provides value-added services such as a personalized points return system, emergency replacement cards, travel assistance and car rental insurance, which can help card issuers increase customer loyalty and usage.

VISA is like China’s UnionPay, and VISA International is the largest international credit card organization in the world. It is a non-profit international organization participated by banks around the world. Its members are composed of banks and other financial institutions, establishing a global payment and financial services network;

The main international organization is Visa International (VISA International) and MasterCard International (MasterCard International) two major organizations;

If the card has the VISA logo, it proves that the credit card has joined the VISA organization and can be used in the banking system under its network.

visa card classification

Visa card is an American Bank card issued by Visa International in California, USA. Its classifications are:

1. Regular cards: It is used for daily shopping, hotel reservations and is the most recognized by merchants around the world.

2. Gold Card: Enjoy privileges such as a credit limit of more than US$5,000, travel accident insurance, and 24-hour free phone support.

3. Platinum Card: It has privileges such as a higher credit limit (well over US$5,000), travel accident insurance of US$500,000, and travel reception services.

4. Unlimited card: few people have it, no payment boundaries, and tailor-made services.

What is VISA credit card?

VISA credit card is a credit card jointly issued by the issuing bank and VISA International Organization. This credit card can be used at VISA authorized merchants worldwide. The credit card has the VISA international logo on it. VISA credit card is a type of international credit card, and its payment intermediary is the international VISA organization (like China's UnionPay). Because the only payment provider for the Olympic Games is VISA, you can only pay for tickets and purchases at Olympic venues through VISA credit cards.

VISA established representative offices in Beijing and Shanghai in 1993 and 1996 respectively. VISA has 17 Chinese member financial institutions including UnionPay and 5 foreign member banks in China.

International credit cards (payments through UnionPay are settled in RMB, payments through VISA or MASTER are settled in US dollars, so they are also called dual-currency cards). Another international payment organization is MASTER. Therefore, when applying for an international credit card, the application form will ask you to choose whether to apply for a VISA card or a MASTER card.

What is a visa credit card?

A 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.

How to choose a credit card that suits you:

1. Choose a bank

The current credit card repayment methods are mainly bank counter repayment and ATM machine self-service repayment. payments and automatic repayments. When choosing a credit card, be sure to choose a card-issuing bank that is convenient for you to repay. The most convenient thing is to choose a credit card belonging to the same bank as your salary card, so that you can handle automatic repayment and it is very convenient to operate. If you don’t have a suitable credit card, you can also choose a bank with more branches or a variety of online banking functions.

2. Choose the type

Nowadays, there are various types of credit cards. There are credit cards with special discounts for going to the supermarket, credit cards co-branded with travel companies for traveling, and special credit cards for car owners. Car owner cards, frequent business travelers, airline cards, and even women’s cards specially designed for fashionable and beauty-loving women? Each card will have a different emphasis in purpose design, so card applicants should choose according to their own circumstances. Credit card required.

3. Look at the credit limit

It is best to have a credit limit that meets your basic needs, so you don’t need to apply for multiple credit cards. Try to use 1-2 credit cards to satisfy yourself. Consumption and demand are also easier to manage.

4. Look at daily expenses

We all know that there are fees for using credit cards, such as annual fees, cash withdrawal fees, over-limit fees, etc. Take the annual fee as an example. It is also a big expense, ranging from dozens to hundreds or even thousands. However, various banks have also formulated annual fee-free policies, such as the common first-year annual fee exemption, If you swipe the card several times that year, you will be exempted from the annual fee for the next year, etc. It is best for us to choose a credit card that can easily implement the annual fee-free policy.

5. Look at the points standards

"Swipe your credit card to enjoy points" and "points can be exchanged for goods". I believe many cardholders apply for the card based on this offer. Consumption brings points, and points can be redeemed for goods and services. Therefore, points, as ancillary value of credit cards, must also be taken seriously. When choosing a card, we should pay attention to whether the points are continuously valid or have a time limit, and try to choose ones where the points are valid for a long time.

What does visa credit card mean?

VISA credit card is also a type of credit card. If there is this mark on the credit card, it means that the bank card is a credit card jointly issued by the card issuer and the VISA credit card organization. You can use this credit card to withdraw cash from ATMs that support VISA around the world, or make purchases in shopping malls and supermarkets that support VISA.

VISA is called Visa International Organization, which spells out "Visa International Service Association". This organization does not issue cards directly, but cooperates with various banks or financial institutions to issue various payment tools that support VISA. It is the largest in the world. credit card organization.

Applying for a VISA credit card is the same as applying for an ordinary credit card. The applicant needs to bring his ID card to the bank to apply for it. Before applying, prepare a copy of the ID card, proof of financial resources, proof of income, proof of work, and proof of assets. Go to the bank to fill out a VISA card application form and submit the information. To apply for a credit card, you need to have good property proof and income proof. The more personal assets you have, the higher the credit card limit you apply for. Do not use this kind of international credit card overdue, otherwise it will be recorded on the credit blacklist abroad, and it will also be recorded domestically, resulting in the inability to apply for various bank credit services and visas in the future.

If you use VISA overdue, it will be really embarrassing and you will be sent abroad

What is visa credit card?

1. Visa credit card is one of the international credit cards. , is a credit card jointly issued by banks and visa international organizations.

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

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

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What does visa credit card mean?

Credit card Visa is a brand of credit card. Credit cards can be used at Visa authorized merchants worldwide. As long as the credit card has the Visa International logo on it, it is a Visa credit card. 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 bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the specified credit limit. The so-called credit card generally refers to a credit card only. The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.

The credit card must have at least the following information: front: name and logo of the issuing bank, credit card number (organization logo) and holographic anti-counterfeiting mark, name in English or Pinyin, activation date (usually calculated to month), The validity date (usually calculated in months), the latest issued card has a chip on the front, and the chip account and the card magnetic stripe account are two relatively independent accounts. Back: card magnetic stripe, cardholder signature field (must sign after activation), service hotline number, last four digits or all of the number (to prevent fraudulent use), credit card security code (on the signature field on the back of the credit card, followed by The three digits after the last four digits are used for credit card activation, password management, TV, telephone and online transactions, etc.). The merchant and bank confirm that the credit card is valid, and contact the bank to request authorization according to the contract signed with the card issuer. Authorization is to further confirm the cardholder's identity and the amount that can be used. Authorization is generally made when the usage amount specified in the contract is exceeded. After receiving the authorization notice, the card-issuing bank will issue an authorization instruction based on the deposit balance of the cardholder's deposit account and the bank's agreement to allow overdraft, and reply whether it agrees to conduct the transaction.

This is the end of the introduction about what visa credit card means and what credit card VISA means. Have you found the information you need?