The main difference between UnionPay credit cards and VISA credit cards is the different credit card swiping channels. When you swipe your card, the UnionPay card uses the UnionPay card swiping channel, while the VISA card uses the VISA card swiping channel. In addition, there are the following small differences:

1. Different card numbers: The card number of UnionPay credit card starts with 62, while the card number of VISA credit card starts with 4.

2. Different logos: UnionPay credit cards have the UnionPay logo on them, while VISA cards have the VISA logo on them.

3. Use is different: As for usage, there is basically no difference in China. However, if you hold a VISA single-currency card, such as the Great Wall International Card of Bank of China, then in terms of domestic use, it is still relatively good. Troublesome. VISA's coverage area abroad is much larger than that of UnionPay, and the recognition process is also very high. However, UnionPay can now be used in many countries.

In short, it depends on your personal usage. If you always go abroad, it is better to apply for a VISA card. If you are using it domestically or in Asian countries, a UnionPay card is enough.