American Express Card is a kind of credit card, which generally refers to American Express Card. The first American Express card was issued from 1958, mainly serving high-end customers. It has been launched for a hundred years and has been issued in cooperation with many institutions. Domestic American Express cards include China Merchants Bank American Express Card, CITIC American Express Card and Great Wall American Express Card. Individuals can't take the initiative to apply, only the bank can invite them to open.

American express card requires the cardholder 18~60 years old, good credit information, valid identification and financial proof (different banks have different requirements) to be invited. Users can enjoy many rights and interests after owning this card, and daily life will also bring convenience.

For ordinary users, it is enough to apply for an ordinary credit card at ordinary times, which can be handled directly at the bank official website or the bank counter. The amount of credit granted by different channels may be different when applying. Usually, the more financial certificates you submit, the more credit lines the bank will give.

Users should repay on time after daily use, and there should be no overdue repayment, because overdue repayment will affect personal credit information, which will affect the handling of various loans after credit information becomes worse. In fact, when the credit card can't repay on time, you can use installment repayment or minimum repayment.

Can I use American Express credit card in China?

American Express Credit Card can be used in China.

Because if the American Express card handled by the customer is double-marked, then the customer can swipe the card directly in the domestic UnionPay channel.

If the American Express card handled by customers is single standard++,customers can swipe their cards in high-end places such as star-rated hotels and clubs, although they cannot swipe their cards in the UnionPay channel, because these places have special channels for swiping American Express cards; Or customers can go to Haitao's website and pay online with American Express card.

Of course, it is still troublesome to use single-label credit cards issued by foreign card organizations in China. It is suggested that customers can apply for a UnionPay card and use both cards together. In fact, if there is no demand from consumption abroad, it is better to apply for UnionPay cards directly, and there is no great need to apply for single-label cards issued by foreign card organizations.

What's the difference between American Express Card of China Merchants Bank and ordinary credit card?

1. The difference between them is that American Express card has some functions besides ordinary credit cards. For example, consumption through international routes will be settled in US dollars, which can be used overseas (including Hong Kong, Macao and Taiwan), and will be repaid in RMB after accounting in US dollars.

2. American Express Card has VISA, MASTERCARD, JCB or American Express logo, so it can be used overseas (including Hong Kong, Macao and Taiwan).

3. In addition to the functions of ordinary credit cards, American Express Card also has the following functions:

4. Credit cards will be settled in US dollars in consumption abroad through international routes. If the consumption amount is not USD, there will be an exchange fee between the two currencies, which is 65438+ 0.5% of the transaction amount (2% for American Express). If the consumption amount is USD, no settlement fee will be charged.

5. If you need to repay in RMB in consumption abroad, you can open the function of purchasing foreign exchange for repayment. After successful processing, if the automatic deduction function is set at the same time, the system will automatically deduct the corresponding amount from the associated card by default according to the selling price of US dollars announced by China Merchants Bank on the last repayment date.

6. US dollar bills can also be repaid in RMB after issuance. We will settle the account according to the selling price of USD cash announced by China Merchants Bank on the repayment date.

Extended data:

Compared with the ordinary bank savings card, the most convenient way to use the card is to make ordinary consumption, and there is no cash in the card. In many cases, it is enough to return the consumption amount on time.

You can spend without deposit overdraft, and enjoy an interest-free period of 20-56 days to repay on time without any charge (most banks will charge 0.5% interest on the day of cash withdrawal, and there will be a 2% handling fee, but ICBC will only charge interest).

It is not only safe and convenient to swipe your card when shopping, but also a bonus gift.

Special merchants who hold cards in banks can enjoy preferential treatment.

Accumulate personal credit, add credit records to credit files, and benefit for life.

Access to the whole country is barrier-free, and you can withdraw money or spend money by credit card on ATM and POS machines with UnionPay logo; (Note: Credit cards are only suitable for credit card spending. It is best not to withdraw cash, which is expensive and uneconomical. )

Credit card spending, some credit cards get existing points, and various discounts and lottery activities throughout the year, so that you can always have surprises as long as you use the card; (Most credit cards have no points for online payment, but online payment is very convenient and fast. )

Mail the statement free of charge every month, so that you can grasp every consumption expenditure transparently; (Now advocating environmental protection, you can cancel the paper statement and change it into an electronic statement. )

Unique supplementary card function, suitable for husband and wife to jointly manage money or master children's financial expenses.

The free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.

400 telephone or 5-digit short number prefixed with "9" provides 24-hour service, and the report of loss takes effect immediately, with zero risk of card loss.

Validity period: It is known that the validity period of domestic credit cards is generally three to five years.

Use the third-party platform (the domestic platform supporting credit card bill management is mainly Jujindou) to conduct business cooperation and provide preferential services for cardholders.

Baidu encyclopedia-credit card

American Express Credit Card++

American Express Credit ++ starts with 34 or 37. According to relevant information, the 15 credit cards beginning with 34 or 37 are American Express cards, and the++range is 340,000 to 349,999, 370,000 to 379,999.

Excuse me, what is an American Express card?

American Express refers to the credit card issued by American Express. 1958, Americanexpress launched the first American Express card. The identification mark of American Express Card is "American Express". American Express Card mainly serves high-end users. American Express has its own payment system, which issues credit cards directly to consumers. American Express has reached cooperation with many institutions to jointly launch various credit cards, such as Peony American Express Card, China Merchants Bank American Express Card and CITIC American Express Card.

What is a credit card?

Creditcard (English: credit card), also known as credit card. It is a non-cash transaction payment method and a simple credit service.

Credit card is generally a special carrier plastic card with consumer credit, which is 85.60mm long, 53.98mm wide and 1mm thick. It is issued by banks to individuals and units, so that they can shop, spend and deposit and withdraw cash from banks. The form is a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.

Credit cards are issued to cardholders by banks or credit card companies according to the credit and financial resources of users. Cardholders don't need to pay cash when using credit cards, they will make repayment on the bill date.

2065438+On April 5, 2006, the central bank issued the Notice of the People's Bank of China on matters related to credit card business, canceling the late payment fee for credit cards, introducing liquidated damages, and prohibiting the collection of over-limit fees. The new regulations came into effect on April 20, 2007.

Debit card is an ordinary savings card, and its account attribute is current deposit account, which can be used for consumption, atm deposit and withdrawal, etc. Credit cards can be used for spending, atm deposits and withdrawals, etc. The biggest advantage is that you can overdraw (with a certain credit limit).

Generally speaking, bank cards are divided into credit cards and debit cards.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder deposits a certain amount of reserve fund according to the requirements of the bank, and when the reserve fund is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.

Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. Special card is a special-purpose debit card used in a specific area (except for department stores, restaurants and entertainment industries). It has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.

So much for the introduction of American Express Credit Card.