1. Domestic bank cards start with the number of the card number and belong to different bank card organizations according to the number of the card number. Bank cards starting with "4" belong to the VISA card organization, and cards starting with "62" and "60" , those starting with "9" belong to China UnionPay.
2. Overdraft consumption area From a geographical point of view, Visa is a card organization in the United States, which is more suitable for overseas consumption; UnionPay is a card organization in China, which is convenient to use domestically.
3. Settlement channel: Visa credit card settlement is through the Visa card organization channel, and UnionPay credit card settlement is through the UnionPay channel.
4. The fee for reporting a loss is: Visa credit card: USD 175/card; UnionPay credit card charges vary from bank to bank, ranging from 10 yuan to 60 yuan/card. Which bank is best for visa credit card? I would like to introduce some easy-to-use ones. The above is the difference between visa credit card and UnionPay credit card. In short, if you have overseas consumption needs, it is more suitable to apply for a visa credit card; if you only have overdrafts in China, then apply for a UnionPay credit card.