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First-time credit card users don’t know much about credit cards and can easily get confused when choosing a credit card. UnionPay card, Visa card, MasterCard, among so many types of credit cards, which one is better? What is a Visa card and who is suitable for applying for a Visa? What is the difference between Visa and regular credit cards? What are the precautions during use?

For this question, analysts at Yinlv.com answered this way: Visa, Mastercard, and UnionPay are all card issuers. It is often said that Visa card is a credit card issued by Visa International. At present, most domestic banks have cooperated with Visa card organization to launch credit cards. Generally, Visa cards are dual-currency credit cards of Visa and UnionPay. The reason for this is that Visa and Mastercard cannot carry out RMB business in China, and UnionPay's overseas business was not mature at the beginning, so the two parties jointly issued this dual-currency card.

The conditions for applying for a Visa card are basically the same as those for a UnionPay card. Banks do not distinguish card qualifications based on card issuers, but generally by card level. For example, users with different income levels can apply for different levels of cards, which may be ordinary cards, gold cards, platinum cards, etc. Compared with UnionPay single-currency credit card, Visa UnionPay dual-currency credit card can meet more credit card payment needs, such as overseas shopping, overseas card swiping, etc., so it has a wider range of uses.

What should I pay attention to when applying for a Visa card?

First of all, Visa and Mastercard are both foreign card issuers. The specific choice depends on the scope of the user's activities. If you often travel or make purchases in Asia and Australia, it is recommended to choose a Visa card, because Visa accepts more merchants in Asia and Australia and is more convenient to use. Mastercard's strength lies in Europe and North America.

Secondly, if you mainly use your card domestically and occasionally abroad, you must apply for a dual-currency credit card instead of a Visa single-currency credit card (currently there are very few Visa single-currency credit cards). Because a simple Visa card may not be able to be used for transactions at domestic UnionPay POS machines.

Third, the Visa card must be protected. Pay attention to the three-digit verification code on the back of your credit card. It's best to stick it up with small strips of paper. Try to keep the card with you when swiping it, especially when swiping it abroad. Because in foreign countries, Visa cardholders often do not need a password for transactions, and only need to provide card number, three-digit verification code and other information. and sign it to complete the transaction. Therefore, once the card number and verification code are leaked, it is likely that the credit card will be stolen.

Finally, after using a Visa card for overseas shopping or consumption overseas, the foreign currency account needs to be repaid. Currently, there are two common repayment methods: foreign exchange purchase and repayment, automatic foreign exchange purchase and RMB settlement. More and more banks have opened automatic foreign exchange purchases and RMB repayments, providing convenience to cardholders. This method means that after the cardholder uses the credit card to conduct foreign currency transactions, each transaction overseas will automatically purchase foreign exchange and convert it into RMB for accounting, and the cardholder only needs to repay in RMB.

The following Visas are widely used and convenient for repayment, so they are very popular among users. We recommend that you deal with them: Related Q&A: