How to use overseas credit cards in China
Method 1: Shopping on Amazon’s official website overseas. Generally, you can choose to shop on Amazon’s official website in overseas regions. In addition, you can also try American and Eurasian consumption. Generally, the choice of consumption is an electronic gift card. After the purchase is completed, the card number will be sent to the previously reserved email address.
Method 2: Use Quick Pass for overseas purchases. Download the Cloud QuickPass APP on your mobile phone and choose to use the card overseas. You can choose different countries or regions. If the distance is close, you can choose other Asian countries, or you can choose North America, Europe and other countries. Then choose overseas shopping and use international credit cards and foreign currencies to make purchases. Can.
At present, most domestic merchants use UnionPay card swiping machines. Foreign credit cards must support the UnionPay payment channel before they can be used at domestic merchants. If you want to know whether foreign credit cards can be used at domestic merchants, you can look at the logo on the card. If the card has the UnionPay logo, it can be used in China. If the card has the visa or master logo, you can use these two cards in China. There are very few card swiping machines, so you need to find a supported type of card swiping machine.
If you want to use a credit card overseas, you need to use it at a specific store or POS machine. For example, if you want to use a credit card issued by card issuing organizations such as VISA, MasterCard, JCB, etc. in China, you must find a credit card swipe card. This identifies the POS machine of the channel. In addition, hotels with four stars or above, foreign supermarket chains, etc. generally accept overseas cards.
Operating environment: Honor 9i9.1.0.148 Cloud QuickPass 9.0.6
1. Types of international credit cards
Visa or Visa card, MasterCard, American Express, Diners Club, JCB, etc. Not only international credit cards can realize global dollar consumption, but also many credit cards with Chinese characteristics in our country can also realize dollar consumption. Credit cards with Chinese characteristics: ICBC Peony International Credit Card, Agricultural Bank of China Golden Harvest Credit Card Dual Currency Card, BOC Great Wall International Card, BOC Great Wall International Zhuojun Card, China Construction Bank Business Travel Series Dual Currency Credit Card, Bank of Communications Dual Currency Credit Card, China Merchants Bank Dual-currency international credit cards, CITIC dual-currency credit cards, etc.
Visa or Visa is a VISA card. VISA card is an internationally renowned credit card. VISA card has special merchants in many places around the world. VISA card has the widest coverage in the world. Credit card, the most powerful credit card. MasterCard is known as MasterCard. MasterCard International is a non-profit association that includes financial institutions around the world. Its members include commercial banks, savings and loan associations. MasterCard was just a household credit card in the United States at first, but now it has been understood and recognized by people around the world. American Express cards are called AmericanExpress. Many traveling businessmen are loyal users of American Express cards. In the American Hotel Alliance, American Express cards are also loved by many consumers and accepted by the mainstream business community in the United States.
Tips for using overseas credit cards to use foreign currencies
For people who often travel abroad and frequently use credit cards to use foreign currencies, what are the techniques for using credit cards to use foreign currencies?
Which type of credit card is suitable for use overseas?
The type of credit card used overseas should be determined based on your own needs for overseas life. Generally, credit cards with convenient services such as booking air tickets are easier to use. Take ICBC Platinum Card and Minsheng China Southern Airlines Card as examples. The ICBC Platinum Card is used to advance disputed payments. If I frequently go abroad and encounter fraud, this function can give me enough buffer for the bank to check the account; Minsheng China Southern Airlines has an activity at the beginning of the year, and the China Southern Airlines card is swiped every month. Spend 1W2 and get 6K miles for free.
The reason for the platinum card is because of the advanced payment function for disputed payments. If I often encounter fraud when I go abroad, this function can give me enough buffer for the bank to check the account; the reason for the China Southern Airlines is because Minsheng has an event at the beginning of the year. Spend 1W2 with your China Southern Airlines card every month and get 6K miles for free
Will the limit be increased if you spend too much foreign currency?
Many people use credit cards very frequently to increase the limit of their credit card. This is a serious misunderstanding. Credit card limit increase is actually a comprehensive reference. It is more difficult for single people to increase credit card limit than for married people (compared under the same economic environment). It won’t just look at you to use foreign currency to increase your limit.
How to deal with credit card fraud overseas?
It is best to use EMV chip cards overseas, because they use VISA or MC channels and they have risk migration policies. No matter which country you use it in, try not to let the card out of your sight. If possible, apply for a replacement card every time you return to your country. Especially in Southeast Asia, card theft is too rampant. Be sure not to go to small stores to swipe your card. At the same time, monitor the card status at any time and replace the card as soon as possible after returning home.
How to pay by card overseas?
Overseas consumption generally adopts the following methods:
1. Dual-currency credit card:
When swiping cards domestically, RMB settlement is used; when swiping cards abroad, When you enter the foreign currency settlement system, you will automatically enter the foreign currency settlement system. Depending on the card type, it will first be converted into U.S. dollars or euros, and then converted into local currency for settlement (note: in non-U.S. dollars or euro areas), and it will be converted again during repayment.
During this process, a 1%~2% fee will be charged due to currency conversion. Each overseas card payment will incur a currency conversion fee, and the daily currency conversion fee will be determined based on the day's exchange rate changes.
2. UnionPay Standard Card:
Settled in RMB, there are no currency conversion fees for card purchases at overseas POS machines and domestic repayments.
Compared with VISA or MASTERCARD dual-currency credit cards, which can be used in more than 200 countries, the UnionPay standard card is slightly insufficient in 61 countries, and in terms of travel and accommodation, it may not be enough. There are not as many discounts and benefits as dual-currency credit cards.
3. Alipay and WeChat payment:
Many Southeast Asian countries and regions have begun to support Alipay and WeChat payment. As long as you keep your mobile phone communication network open, you can enjoy a cashless life. The convenience.
Extended information
1. UnionPay credit card
Logo: With the parallel arrangement of bank cards in red, blue and green colors as the background, Set off the words "UnionPay" in English and "UnionPay" in Chinese characters. Starting with "62", "60", or "9", "62" is the most common.
2. Visa (VISA) credit card
Logo: with the word "VISA" and starting with the word "4".
3. Master Credit Card
Logo: There are red and yellow double globes on the card, with the word "mastercard" attached, starting with the word "5".
UnionPay is a card organization in China, while VISA and MasterCard are all card organizations in the United States.
Usage area:
UnionPay cards are generally sufficient in China, and UnionPay cards starting with “62” and “60” are UnionPay standard cards that comply with international standards and can be used in Used abroad. VISA cards are more popular in Australia and Asian countries, while MasterCard cards are more convenient in Europe and North America. In China, VISA is more widely used than MasterCard.
In addition to the most common types of credit cards mentioned above, there are also American Express (America Express) and some dual-currency and multi-currency credit cards. American Express is used in a relatively small area, usually a little more in the North American market. Dual-currency and multi-currency credit cards are applicable to the corresponding currency range.