Whether a credit card can be used abroad depends on which institution's card is supported by foreign credit card readers and ATMs. Use a credit card with the UnionPay logo in China. You can use it as long as you find the corresponding UnionPay credit card reader abroad. You can look at the name of the card issuer on the credit card, and you need to swipe your card where there is a corresponding POS machine.
For example, for UnionPay cards in China, you must look for POS machines with UnionPay logo when going abroad. When handling the card, you must apply for an international credit card marked with visa or master to pay foreign currency, and inform the teller to open the international payment function. After receiving the credit card, you should open it. After opening the card, you can call customer service to inquire whether you can pay foreign currency, and then you can use it to pay foreign expenses.
The above-mentioned credit card is in consumption abroad, so there is no need to open additional business, just find the corresponding pos machine. Another way is to choose a credit card in local currency. The advantage of this is that the currency conversion fee is avoided, and most banks are exempted from conveter in the same currency.
First, when handling credit cards, you must open the international online payment function;
2. Individual banks, such as Bank of Communications and China Merchants Bank, need to conduct visa verification services or personalized information verification with banks first. If you apply for a card, you need to verify it in advance;
3. Please ensure that the amount of foreign currency in the card cannot be less than the amount of credit card. In addition, individual banks need to deposit foreign currency to swipe their cards, and it takes 24 hours to arrive.
Fourth, if you use your parents' card, you can use your parents' card to open a secondary card in your own name, and record the main card account like a bill, which is convenient for distinguishing transactions.
International processing methods of credit cards:
1. outlets: some high-end international credit cards, such as platinum cards, must be handled at the counter of the issuing bank's business outlets.
2. Online processing: Some international credit cards can support online applications. You only need to log in to the credit card official website of the issuing bank, select a good credit card, then fill out the application form and submit it online.