A RMB credit card is a credit card that is no longer in use. Once the People's Bank of China accepts an application for a RMB credit card, the review finds that the non-cash installment card may be reduced or evaluated in advance. RMB credit cards mainly include information on dual-currency cards and monthly business on single-currency cards. The review found that non-cash installment cards may be subject to derating or early assessment.

RMB credit cards can have overdraft limits or debit cards issued by the People's Bank of China. The most common credit card that can be used in RMB at home and abroad. RMB credit cards can enjoy credit card services such as overseas consumption, credit card withdrawals, repayments, transfer settlements, etc., allowing you to experience the full payment easily, safely, conveniently and quickly.

Can RMB credit cards be used for spending abroad?

Yes. However, you need to swipe your card at a place with the UnionPay logo and repay by purchasing foreign exchange. As an international standard credit card, debit cards can be used to make purchases at foreign merchants with the UnionPay logo. You can also withdraw foreign currency cash from ATMs and repay it with RMB in foreign exchange after returning home. In terms of foreign consumption, many countries and regions have opened UnionPay transactions. When paying through UnionPay routes, the transaction amount will be recorded in RMB, so you can choose the transaction route according to the actual situation.