Pay off your credit card when traveling abroad. Overseas travel credit cards are overdue and will be more troublesome in the future. You can bind a savings card and deduct it automatically when it expires.

What kind of credit card do you need to travel to Europe?

You can choose one of ICBC Global Travel Card, China Construction Bank Global Payment Card and China Merchants Visa Full Currency Card. Repayment is very convenient.

ICBC Global Travel Card: Don't worry about the currency of consumption. USD, EUR, HKD, GBP, JPY, SGD, CAD, AUD, CHF and NZD can be paid directly++without currency conversion. UnionPay and MasterCard are adopted, both of which are available in China, and Alipay can repay the loan.

CCB Global Payment Card: All++transactions, such as credit card swiping, online shopping and withdrawal, are automatically purchased for foreign exchange, and RMB is credited to the account, so it only needs to be repaid in RMB according to the bill, which saves a lot of trouble. And there is no currency exchange fee and no time limit; Use UnionPay and VISA (MasterCard) dual channels, which are available in China and can be repaid by Alipay; Credit card 10 times free of annual fee.

China Merchants visa Full Currency Card: The card has the Visa logo on its face, and you can enjoy the privilege of automatic RMB exchange when spending or withdrawing cash in countries all over the world. At the same time, you can repay in RMB directly when you return to China, and the exchange fee is free. Cardholders only need to choose the local currency at the time of transaction to enjoy the discount.

Extended data:

After spending in Europe, tax refund is a relatively "troublesome" thing. Some tax refund companies support Alipay tax refund, while others do not. Tax refund through AliPay is relatively convenient. After the customs stamp, fill in the Alipay mobile phone number and put it into the corresponding mailbox.

Generally, cooperative tax refund companies will charge a certain handling fee, and the exchange rate is also calculated according to cooperative tax refund companies, which is usually not cost-effective. In addition, it should be noted that Alipay has a certain probability of losing the bill, and its security is relatively poor.

The way of cash tax refund is relatively more secure, the account is received quickly, and there is no case of losing the bill. Cash tax refund is a euro refund, which can be directly consumed at the airport duty-free shop. However, a certain handling fee will be charged for the cash refund. Some tax refund companies support cash tax refund in designated cities (such as Beijing and Shanghai) after returning to China. Please note that the tax refund form must be stamped with a clear customs seal before it can be refunded in China, and there are fees.

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What credit card do you use when traveling abroad? What's the difference between double currency and full currency?

The summer of 20 15 has arrived, and the tourist season is as hot as the summer heat. Modern people have a high consumption level and travel abroad, such as Japan, South Korea, Europe, the United States, Australia and Britain. It is inconvenient to take cash abroad, so it is very important to choose a suitable credit card. How can a credit card be suitable for traveling abroad? What's the difference between double currency and full currency?

All-currency credit cards, VISA channels are basically single-label cards, and M and AE have double labels. The following is a list of all-currency credit cards marked by VISA of China Merchants Bank, which can settle almost all currencies covered by VISA. It should be noted that this single-label card cannot be swiped through the UnionPay channel, and the repayment route is a bit urgent. You can choose to bind with the bank's UnionPay card.

The only difference between the two is the amount of settlement currency. For example, if the dual-currency card is UnionPay +VISA RMB+USD, there is no difference between dual-currency and full-currency shopping in Amazon, USA (case 1). However, if you shop in Amazon, Japan, the dual-currency card will first put the yen you spend into the US dollar account according to the exchange rate and currency conversion fee on the day of VISA (case 2), and then you will repay the US dollar with RMB.

At first glance, dual currency is good.

Dual-currency card refers to a credit card with both RMB account and++account. Generally, the "UnionPay" logo is affixed to the upper right corner of the front of the card, and the logo of VISA, JCB or MasterCard is affixed to the lower right corner. Now VISA or MasterCard dual-currency credit cards can be used in more than 200 countries, making it more convenient to find consumer merchants.

But it is understood that there is no such thing as dual currency in the world, only China has it. Dual-currency credit cards are settled in RMB in China. If you swipe your card abroad, you will automatically enter the++settlement system. Depending on the type of card, it will be converted into US dollars or euros first. If it is not US dollars or euros, it will be converted into local currency for settlement, and it will be exchanged repeatedly when repaying, because of the currency conversion. When you come back to repay, you need to change money first, and there will be a currency conversion fee.

Single currency card, limited but more economical.

Nowadays, the popularity of UnionPay in the world is also increasing, although there is still a gap with VISA and MasterCard, which has great limitations. Because UnionPay card is settled in RMB, there is no currency conversion fee for overseas POS machine consumption and domestic repayment, so it is still a good choice from the perspective of reducing the cost of outbound travel. Moreover, after overseas credit card consumption, you can repay directly in RMB after you come back.

In addition, some dual-currency cards need to pay++annual account fees or management fees. If you don't know your dual-currency card, you don't even know it because it has expired. If you have two accounts, the possibility of being stolen will increase accordingly.

All-currency cards, no barriers to overseas credit card swiping.

The main function of all currencies is to exempt currency conversion fees and handle the transaction needs of all currencies. No matter where you spend money, you can repay it directly in RMB after returning home, and you can also avoid the formalities of purchasing foreign exchange. In addition, China Merchants Bank's all-currency international card will also provide you with high travel accident insurance.

Multi-currency card not only combines the advantages of the above two cards, but also avoids their disadvantages. Moreover, all multi-currency cards issued by banks are free of annual fees. The only fly in the ointment is that the all-currency card does not support the UnionPay channel for the time being.

Do I have to bring a credit card when traveling abroad? . You can't get out without it.

You can travel abroad without a credit card. It is inconvenient to bring too much cash when traveling abroad, and you don't need to bring a credit card or a special visa card. With the increase of domestic overseas travel, UnionPay debit cards can be used at ATMs all over the world. Taking a credit card abroad will be beneficial to travel. The advantage of carrying a credit card is that you can use it to pay when the balance in your debit card is not enough.

Extended data:

UnionPay network has not been fully rolled out. In some countries and regions, not every merchant can swipe UnionPay cards. Visa, MasterCard or JCB credit cards are needed at this time. In order to avoid the currency conversion fee when swiping overseas, you need to choose a suitable++credit card before traveling abroad.

At present, in order to facilitate the majority of cardholders to spend money abroad, major domestic banks have launched a kind of credit card: full currency credit card. All-currency credit card holders can spend money at any foreign merchant and automatically convert it into RMB after spending. You only need to repay the money according to the RMB bill when it is due, which saves the cardholder a lot of trouble.

Can I use a credit card or debit card when traveling abroad to Indonesia?

1. When traveling in Indonesia, if you meet a merchant with the UnionPay logo, you can use a credit card and a debit card with the UnionPay logo.

2. "Merchants swipe their cards" in official website, unionpay international suggested that all Indonesian merchants with UnionPay logo can use UnionPay cards, which are distributed in cities and regions with more tourists, such as Jakarta and Bali. Acceptance outlets basically cover well-known shopping malls, restaurants, hotels and so on. Some hotels or brand merchants do not post the "UnionPay" logo. Cardholders can take the initiative to show UnionPay cards and ask cashiers whether they can use them.

Extended data

Fees for using credit cards and debit cards with UnionPay logo in Indonesia

1. There is no currency conversion fee for overseas use of UnionPay cards or consumption or withdrawal through UnionPay network, and the local currency transaction amount will be directly converted into RMB at the market exchange rate.

2. The ATM withdrawal fee in Indonesia consists of two parts:

(1) Issuer handling fee: Please consult the issuer of debit card and credit card for the specific rate.

(2) Service charge of ATM accepting institutions in Indonesia: ATM of HSBC will charge a service charge of 1% of the withdrawal amount, which will be charged by local banks in Indonesia and has nothing to do with UnionPay and the issuing bank.

reference data

UnionPay card in the world _ unionpay international (Indonesian)

What credit card is better for traveling abroad?

What credit card is better for traveling abroad?

How to choose a credit card for overseas travel can make overseas consumption more cost-effective, which is really a bit particular. Credit card experts say that there is not much difference in choosing which bank's credit card to use. The most important thing is to distinguish between dual-currency cards and++cards.

Dual-currency cards and UnionPay cards save money. When PK cardholders use dual-currency credit cards abroad, they need to pay a one-time currency conversion fee of 65438+ 0%-2% of the total transaction amount, and bear the exchange rate risk.

Feel it with a card. General credit cards are divided into simple UnionPay cards, UnionPay +VISA/MASTER/JCB (including full currency cards. ) I have three cards, simple UnionPay card, UnionPay +JCB card and full currency card. I feel that the two can complement each other, and of course it depends on which country you visit more.

Generally, the process of swiping cards is to ask merchants whether they support UnionPay cards, and UnionPay cards are preferred. When checking out, tell the cashier that there is a UnionPay channel to go. Swipe your card on UnionPay online and settle directly in RMB; If you swipe your card on an international line, in this case, the main line, then it will be settled in US dollars. Since the credit card consumption abroad will be settled in US dollars, if the consumption amount is not US dollars, there will be an exchange fee between the two currencies, that is, 65438+ 0.5% of the transaction amount, and the exchange fee will be charged by the bank on behalf of international organizations. If the consumption amount is USD, no settlement fee will be charged. If you use a full-currency credit card, you can spend++at will all over the world, and the currency exchange fee is zero, and the function of purchasing foreign exchange will be automatically activated, and you can use++to purchase foreign exchange for repayment.

This involves where to go and what card to use. For example, when I go to Korea, many merchants support UnionPay, so it is no problem for me to go directly to a separate UnionPay card. Another important reason is that the UnionPay channel has many discounts in South Korea (many Asian countries have them)! There are some exclusive offers for UnionPay cards in China! As for this JCB card, it was done for the sake of beauty. It is completely equivalent to VISA and master, which is a dual-currency card. It is absolutely no problem to spend money in the United States or dollars, that is, it is equivalent to the master in your hand. Non-US dollars and regions that do not support UnionPay should consider handling fees. As for all-currency cards, China Bank, Industrial and Commercial Bank, China Merchants Bank, China Construction Bank and other banks do have them now. In fact, the operation of this card in various banks should be similar, as mentioned above. So let's see which is more convenient. I have a full-currency card of CCB in my hand. It is very convenient to use, and I have not received any notice of currency conversion fee. I have tried it in Korea, Vietnam, Thailand and Taiwan Province Province, and there was no pressure during the whole process. If you often go out to play, you can actually consider getting a full-currency card.

I hope the above information is helpful to you ~

More about traveling abroad. What credit card is better? , enter: See more.

Let's not talk about the introduction of overseas travel credit cards.