Take foreign currency change, debit card and dual-currency card
For outbound travel, you need to leave enough change because you have to pay certain tips and self-funded items. If you don't want to carry too much cash, you can withdraw foreign currency through overseas ATMs. Some foreign banks, such as Bank of China, Industrial and Commercial Bank of China and China Merchants Bank, have overseas ATMs, which can provide help in case of insufficient cash.
However, since most banks charge a certain fee at overseas ATMs, it is better to swipe their cards for outbound consumption, which is relatively cost-effective.
in order to use the card safely, you need to carry more than two cards with you, and it is best to carry a debit card with a certain amount of RMB in it, because it can also be used on overseas UnionPay card readers.
A dual-currency card generally requires a dual-currency identification credit card with VISA and MasterCard, so you don't have to worry about traveling abroad.
where you can use UnionPay cards, try to use UnionPay logo cards
When traveling abroad, many areas can use currencies other than US dollars for settlement, including British pound, euro, Hong Kong dollar and Japanese yen. Although some of them can be settled in US dollars, there will be currency conversion problems and currency conversion fees will be paid.
and if you want to swipe your card through non-unionpay channels, you need to convert other currencies into US dollars first, and then into RMB. Because of the two conversions, the exchange fee is relatively high.
therefore, unionpay cards should be used as much as possible when spending in areas where non-USD currencies are used for settlement overseas. Before spending, it is best to indicate to the merchants the use of Chinaunion credit card machines.
At present, UnionPay's POS machines have a certain coverage in Asia-Pacific and some European and American regions, which is more suitable for non-US currency settlement and is very suitable for us in consumption abroad.
Try to consider bank credit cards that offer aviation insurance
At present, most bank credit cards have certain aviation accident insurance, so cardholders can choose their own credit cards when traveling abroad.
Travel to Europe and America: Choose the card type according to the currency
The currencies in circulation in Europe and America are different. At present, major banks in China have launched dual-currency credit cards to meet the needs of different groups of people, such as Euro cards successively launched by Bank of China, China CITIC Bank and Minsheng Bank, GBP cards issued by Bank of China, JCB yen cards issued by Bank of China and Australian dollar cards issued by Minsheng Bank.
There are many ways to win the credit card war of foreign consumption.
it should be noted that at present, most dual-currency credit cards are RMB/USD dual-currency credit cards, so the functional currency of countries whose common currency is not USD is local currency. At the time of settlement, the local currency should be converted into US dollars according to the exchange rate on the day of consumption, and the US dollars should be converted into RMB according to the exchange rate on the day of customer repayment.
Therefore, it is advisable to choose Euro Card for consumption in Europe, and you can directly purchase foreign exchange in euros or RMB for repayment, which can successfully save the link of exchange rate conversion of US dollars.
China, Hong Kong and Macao: UnionPay card is the first choice
Hong Kong and Macao can be described as a city full of sex and desire. Under the temptation of delicious food, flagship stores and sea view rooms, it is not easy to tighten your wallet.
how to save the currency conversion fee generated by credit card consumption? Compared with MASTER and VISA international cards, you have to pay about 1% handling fee to the issuing bank. UnionPay card saves you a lot of money.
in addition, because the payment currency of unionpay card is RMB, it can be repaid directly in RMB, which also brings a lot of convenience to cardholders.
Travel Tips
In many overseas areas, you don't need to enter a password to pay by swiping your card. You can pay by signing directly! So please be sure to keep your bank card! It is necessary to carry several credit cards when traveling abroad, which can not only make consumption safer, but also overdraw for emergencies.
Last but not least, the cardholder should repay the loan on time, so as not to affect the credit limit and credit history.
well, if you still don't know what kind of credit card is suitable for us to carry abroad, then consider Bian Xiao's suggestion!