Credit cards with visa service are generally more cost-effective to swipe their cards abroad.
In other words, as long as the card you apply for has the function of visa service, you can generally spend it abroad, and the service rate is also very low. The only difference is whether there are any extra special offers for the relevant card types you apply for. Regarding the question you asked, I try to answer it in detail from the following points.
Visa service is needed for consumption abroad.
Before we apply for a credit card, we can choose the card type or the basic functions of the credit card according to our own needs. Visa is one of them. If you expect to spend money abroad in the future, you need to check the Visa service at the beginning of credit card processing, and you need to open related account functions. Generally speaking, every bank's credit card will have a credit card with a special visa function.
Some cards may set a certain discount specifically for consumption abroad.
Let's take ordinary commercial banks as an example. At present, Ping An Bank and China Merchants Bank in the market will set up special service cards for overseas consumption. Generally, such credit cards will have consumption abroad points. When you reach a certain amount in consumption abroad, the points will be accumulated according to the corresponding amount. For these types of cards, these types of credit cards have a general consumption function in China, but there are many discounts for spending abroad, which is especially suitable for outbound consumption.
Although Alipay and WeChat services can be used in many places.
With the continuous development of the Internet age, we will find that even if a credit card has no visa function, we can still use it to overdraw normally abroad. Although there are Alipay and WeChat services in many places, some merchants will specially open related service functions in order to increase their business volume. This means that even if we only have ordinary credit cards, we can still spend money abroad, which is a very convenient phenomenon.
What kind of credit card is more cost-effective for spending abroad?
As we all know, credit cards are very important in people's lives, and Bian Xiao often uses credit cards to complete corresponding transactions. What kind of credit card is more cost-effective for spending abroad?
I. Credit card visa service
Nowadays, people's living standards are getting better and better, so many people choose to travel abroad when they are on vacation, but we all know that credit cards are often used when traveling abroad, because credit cards are more convenient to consume. After all, people don't always bring a lot of money when they go out to play. Therefore, many people want to choose a more cost-effective credit card and take it abroad for consumption. The credit card with this service is more cost-effective, but you need to apply for the related functions of visa service in the credit card, so that the service cost will be lower when people spend abroad.
Second, why do you need this function?
In fact, different credit cards charge different fees for spending abroad, and ordinary credit cards charge relatively high fees for spending abroad. So if you plan to go abroad, you must choose a special credit card. Before you apply for a credit card, you must choose the type of credit card according to your own needs. You can communicate with the service staff of the bank and ask the staff to recommend a suitable new network card for you. Credit cards with this function must be opened when handling credit cards, and corresponding account functions should also be opened. But generally speaking, every bank's credit card will set this function. If necessary, you can communicate with staff in advance.
Third, the conclusion
In fact, many banks in the market will use credit cards to spend abroad, and people can deduct a certain amount after spending a certain amount, so it is more convenient. The function of this credit card is generally not used in domestic consumption, but there are many discounts in foreign consumption.
How to choose frequent credit cards?
What kind of credit card is the most cost-effective for people who often spend money abroad? We should know that the consumption of Hong Kong, Macao and Taiwan is completely different from that of other foreign countries. We will explain these two situations separately.
Hong Kong, Macao and Taiwan: UnionPay credit card has the highest cost performance.
In Hong Kong, Macao and Taiwan, the layout of UnionPay system is perfect, and UnionPay credit cards can be swiped almost everywhere. Therefore, if you plan to travel outside Hongkong, Macau and Taiwan Province Province, you can basically get a credit card with the UnionPay logo.
It should be noted that merchants in Hong Kong, Macao and Taiwan will basically install two sets of credit card systems, one of which is organized by an international card of UnionPay. Therefore, when cardholders swipe their cards in these areas, they must make it clear to the merchants that they must swipe the POS machine of UnionPay system. Because compared with international cards, UnionPay credit cards are much more cost-effective.
Because when using the UnionPay channel, UnionPay will convert the local currency into RMB, and you can repay directly in RMB after returning home. The cardholder only needs to bear the loss of currency conversion once, and there is no currency conversion fee. When using the channels of international card organizations such as Visa or Master, the international card organizations will first convert the local currency into US dollars and deposit it into the cardholder's US dollar account. After returning to China, the cardholder needs to buy US dollars for repayment, and the cardholder needs to bear the loss of two currency conversions, and at the same time, he needs to pay a currency conversion fee of 1%-2%.
International travel: choose a full currency credit card.
Full-currency credit card means that credit card supports credit card consumption in currencies of multiple countries. When the cardholder is in consumption abroad, the overdraft amount will be directly credited to the corresponding account in local currency. Therefore, there is no process of currency conversion, which saves a lot of money conversion costs.
What credit card? First of all, there are cost-effective introductions abroad.