1. Different concepts

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

VISA card has been issued by Visa International since the end of 1982. Its predecessor, Bank of America, was established in 1959 and issued Bank of America cards in California, USA. In 1977, it changed its name to Visa and issued its first debit card. In 1987, it launched multi-currency clearing and settlement services, which promoted the efficiency of cross-border payment and settlement. In 1997, the total transaction amount of brand payment products exceeded US$1 trillion.

2. Different appearance

The card number of UnionPay credit card starts with 62, while the card number of VISA credit card starts with 4. Credit cards usually have the UnionPay logo on them, while VISA cards have the VISA logo on them.

3. Different scope of use

In terms of use, there is basically no difference in China, but if you hold a VISA single-currency card, such as the Great Wall International Card of Bank of China, then in Domestic use is still quite 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.

Reference materials:

Baidu Encyclopedia-Credit Card

Baidu Encyclopedia-VISA Card