Question 1: What credit card should I use to swipe my card abroad? How to choose a credit card for overseas travel can make overseas consumption more cost-effective? Really a little particular. Credit card experts say that there is not much difference in choosing which bank's credit card to use. The most important thing is to distinguish between dual-currency cards and cards.

Dual-currency cards and UnionPay cards use PK to save money.

When a cardholder uses a dual-currency credit card in consumption abroad, he has to pay a one-time currency conversion fee of 65438+ 0%-2% of the total transaction amount, and bear the exchange rate risk. At present, domestic dual-currency credit cards are mostly settled in RMB and US dollars. If the cardholder's travel destination cannot be settled in US dollars or RMB, but a dual-currency credit card is used overseas, the local currency needs to be converted into US dollars for settlement. When repayment is made in RMB after returning to China, US dollars should be converted into RMB for calculation. In this way, there may be two exchange rate conversions, and there is a certain risk of exchange rate fluctuation, which may bring certain exchange rate losses to cardholders.

Experts suggest that in overseas areas where RMB credit card business has been opened, it is best to choose UnionPay card. Because, through the UnionPay channel, the consumption amount will be directly converted into RMB at the exchange rate, so there will be no exchange fee. This process only involves an exchange rate exchange process, and the RMB paid is the least.

UnionPay cards only have one exchange rate exchange, which can relatively reduce the exchange rate loss of cardholders. However, overseas, VISA and MASTER have more outlets and are more convenient to use, while UnionPay cards have few outlets.

Choose the right card to reduce exchange rate loss.

UnionPay network has not been fully rolled out. In some countries and regions, not every merchant can swipe UnionPay cards. Visa, MasterCard or JCB credit cards are needed at this time. In order to avoid the currency conversion fee when swiping overseas, you need to choose a suitable credit card before traveling abroad. Credit card experts suggest that cardholders should try to choose cards with the same local currency when swiping their credit cards abroad. If you want to travel to Europe, you'd better choose Euro Card, Japanese Yen Card and Hong Kong Dollar Card.

By currency, the most common cards in China are USD card, HKD card, Euro card and Yen card. Choosing the right card can reduce the exchange rate loss. In countries and regions where the common currency of US dollar cards is not US dollars, such as Europe, the bookkeeping currency is the local currency, that is, the euro, which needs to be converted into US dollars at the time of settlement, and then converted into RMB at the time of repayment with RMB. This will increase the process of foreign exchange and bring certain exchange rate losses to cardholders. However, if you swipe the euro card, the bookkeeping currency and settlement currency are both euros, which will be directly converted into RMB, reducing some exchange rate losses.

Question 2: What kind of credit cards can be used by famous international credit card organizations and famous credit card companies abroad?

1. visa (visa)

2. MasterCard

3. Diners Club

4.american express card

5. Excavator

Visa and MasterCard are international credit card organizations, which do not issue cards themselves, but are issued by the banks of the member institutions of the agreement. Major domestic banks have basically joined these two organizations.

Credit cards issued by domestic card-issuing banks are dual-currency credit cards in RMB and USD. You are free to choose the credit cards issued by the member institutions of MasterCard or Visa.

From the practical point of view, there is almost no difference between the two. You can swipe your MasterCard almost anywhere you can swipe your Visa card overseas.

In addition, you don't need to pay the currency conversion fee when you use the UnionPay network to swipe your card in Singapore, and you don't need to purchase foreign exchange when you return to China to repay in RMB.

Question 3: Can ordinary credit cards be used abroad? Yes,

Credit cards can be used abroad,

Only the consumption channels are limited,

Credit cards with UnionPay brand must use UnionPay logo POS machine, credit cards with V-Sa brand must use V-Sa logo POS machine, and credit cards with MasterCard brand must use MasterCard logo POS machine.

Question 4: Is it better to use a credit card or a debit card when going abroad? Hello, if you use China Merchants Bank cards and credit cards, the following information is for your reference (UnionPay cards can only be used on machines marked by UnionPay, and international cards can be used on machines corresponding to UnionPay and international logos).

1, credit card:

(1) swipe your card at unionpay line and settle directly in RMB;

(2) International airline credit cards shall be settled in US dollars. Since the consumption other than credit card will be settled in US dollars, if the consumption amount is not US dollars, there will be an exchange fee between the two currencies, that is, 0.5% of the transaction amount of 65438+. If the consumption amount is USD, no settlement fee will be charged. When spending, you can ask the merchant if there is a UnionPay credit card limit, which is convenient for you to choose.

2. One card:

(1) Take the UnionPay system and only use RMB account funds (no account funds). Credit cards only have the exchange rate of currency exchange, and there is no handling fee. When withdrawing money from overseas (except Japan and the United States) through the ATM of UnionPay system, the minimum handling fee is 10 yuan RMB. Attachment: UnionPay routing function is enabled: Please log in to the popular version or the professional version and select "Account Management"-"ATM and POS Limit"-whether UnionPay's overseas ATM cash withdrawal function and UnionPay's overseas POS consumption function are enabled normally. In addition, select ATM daily limit and POS daily limit to view the limit.

(2) Take the route of international organizations. The transaction currency is the local currency where the transaction takes place, and the clearing currency is USD (if there is no USD on the card, the system will convert RMB into USD for deduction after the automatic foreign exchange purchase function is enabled). If you use an international debit card for POS card swiping or ATM withdrawal in a non-US dollar area, you will be charged an exchange fee when you take the route of an international organization (according to the relevant regulations of international organizations, it is about 65438+ 0.5% of the transaction amount). Attachment: Please log in to the popular edition or professional edition of our bank, select Account Management -ATM\pos limit, and select visa/mastercard overseas ATM withdrawal daily limit or visa/mastercard overseas pos consumption daily limit to see if the automatic foreign exchange purchase function is enabled. Please dial manually and check it backstage for you.

If you have any other questions, I suggest you consult "forum.cmbchina/...ncmu=0. Online Customer Service". Thank you for your attention and support!

Question 5: Can I use a credit card for a visa to go abroad? Developed countries such as Europe and the United States are still very strict in the visa review of China applicants, especially in terms of the applicant's funds, and put forward the requirements for proof of visa funds (the following six materials do not necessarily need to be provided in full, please provide them according to the requirements of different embassies):

I. Proof of visa deposit:

(1) The deposit certificate business is a certificate issued by the bank for depositors, which proves that depositors cannot use the deposit balance for a period of time (commonly known as how long it will be frozen) from the time of visa application to the end of the visa validity period;

(2) When handling the deposit certificate, you need to show the following information: deposit certificate (certificate of deposit, discount) and personal identity certificate;

(3) Deposit certificate amount: Please issue deposit certificates of corresponding amount according to the requirements of embassies of different countries, generally 30,000, 50,000, 65,438+10,000, etc.

Second, the salary bill:

(1) salary statement can best reflect the job stability of visa applicants and the authenticity of their work units; If there is no job or the company pays cash, please provide the bank card bill commonly used by the applicant at present;

(2) The running bill must be issued by the bank, and the salary certificate issued by the company's finance is generally not recognized by the embassy;

(3) Running bills must be issued at the bank counter and stamped with the bank financial seal, and online printing or ATM printing is invalid;

(4) If it is necessary to print the bank running bill for the latest period, submit bills ranging from the last 3 months, 6 months and 12 months according to the requirements of different embassies;

(5) There are no strict rules on the final balance of bank running bills. Generally speaking, it is recommended to guarantee a reserve fund of about RMB 1 1,000 per day during going abroad; For example, if you go abroad for 10 days, the balance is1w.

Three. Credit card running bill and credit limit certificate:

(1) General credit cards can be printed directly online. According to the requirements of different embassies, some do not require credit card stamps, but can print them themselves. However, it should be used in conjunction with the copy or original of the credit card;

(2) If it is necessary to print the credit card running bill for the latest period, submit bills ranging from the last 3 months, 6 months and 12 months according to the requirements of different embassies;

Four. Proof of running water in the account of the applicant's employment company:

(1) Some embassies require employees applying for business visas to provide the financial account number of their company; Generally 3-6 months, some countries require 12 months;

(2) The company's financial account number also needs to be printed and stamped in the bank, and the company's own financial stamp is invalid.

Verb (abbreviation of verb) Financial guarantee provided by the applicant's company:

(1) The employment certificate must clearly indicate who will bear the expenses for visa applicants to go abroad; If the company pays the expenses, then the employment certificate is also equivalent to a fund guarantee document;

(2) Some embassies require companies to guarantee funds for those who apply for business visas, that is, it must be clear on the employment certificate that the company will pay the fees.

Six, real estate and automobile production certificate:

(1) Generally speaking, real estate and automobile production are not the materials that all visa applicants must submit, and some embassies do not require them to provide them;

(2) The production of real estate and automobiles is mainly the auxiliary or supplementary materials provided to the applicants who apply for tourist or visiting relatives visas, so as to prove that the fixed assets in China will not easily violate the law.

Question 6: Can credit cards be spent abroad? Thank you. China Merchants Bank credit card supports consumption abroad. At present, China Merchants Bank credit card has two basic credit card lines: UnionPay line and international line (VISA, MASTERCARD, JCB or American Express, etc.). ). swipe your card on UnionPay online and settle directly in RMB; If you swipe your card on an international line, it will be settled in US dollars. Since the credit card consumption abroad will be settled in US dollars, if the consumption amount is not US dollars, there will be an exchange fee between the two currencies, that is, 65438+ 0.5% of the transaction amount, and the exchange fee will be charged by the bank on behalf of international organizations. If the consumption amount is USD, no settlement fee will be charged. (If you use a full-currency credit card, you can spend it anywhere in the world, and the currency exchange fee is zero. The function of purchasing foreign exchange will be activated automatically, and you can purchase foreign exchange in RMB for repayment. )

Question 7: Can I go abroad if I owe money on my credit card? As long as the bank that issued the credit card doesn't take you to court, there is no problem.

The visa is handled by the embassy and has nothing to do with domestic banks. So it has nothing to do with whether the visa can be signed or not.

However, you'd better pay back the money before going abroad.

Question 8: Can I use the visa credit card of Bank of Communications to travel abroad? Is there a handling fee? Bank of Communications credit cards can be used abroad, and the overdraft limit should be paid attention to. Cardholders can choose the appropriate card type and currency according to the country or region they arrive in, so as to avoid higher related handling fees. You can choose a good currency when you apply for a card, and you can apply for a pound card when you go to Britain and other countries. The United States handles dollar cards.

In the bill of overseas credit card spending by cardholders, the credit card handling fee is generally between 3% and 4%. Among them, international card organizations such as visa or MasterCard charge the issuing bank an international transaction fee of 1% to 1.5% for each transaction. Although it is collected from the bank, the fee is actually borne by the cardholder. In addition, banks charge handling fees or exchange fees ranging from 1% to 2%.

You can also withdraw cash at any ATM outside the country, and there is a corresponding handling fee.

Question 9: Can China Bank's credit card be used abroad? Bank cards issued in China are mainly UnionPay cards. UnionPay is a bank settlement system dominated by China. It is generally no problem to use it in China. If it is used abroad, it depends on whether it is supported. All ATMs with the following "UnionPay" logo have no problem withdrawing money. Some merchants' checkout counters may also have the sign of "UnionPay", so you can pay by UnionPay card.

In foreign countries, UnionPay is not the mainstream, and there are not many businesses that support UnionPay consumption. Countries in East Asia and Southeast Asia basically support UnionPay, while western countries do not.

The mainstream foreign bank cards are Visa and MasterCard. These two kinds of bank settlement systems are mainly in the United States. Most foreign ATMs can withdraw money, and most merchants' checkout counters also have these signs.

However, if you use China's bank card to spend money in foreign stores, the fees of Visa and MasterCard are higher, while those of UnionPay are lower.

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Bank cards issued by some domestic banks:

UnionPay card (this is the most common card in China, which is fully supported in China, and the "UnionPay" logo posted abroad is also supported).

Visa card (this is an international credit card, universal)

MasterCard (this is also an international credit card, universal)

UnionPay Visa (this is also an international credit card, try to use UnionPay, and the handling fee is lower)

UnionPay MasterCard (this is also an international credit card, try to use UnionPay, and the handling fee is lower)

Question 10: Can UnionPay cards be swiped abroad? Yes, most Asia-Pacific countries and big cities in Europe and America have high coverage. When you swipe your card or withdraw money, please check whether the POS machine and ATM machine have the UnionPay logo. If so, you can.

What credit card should I apply for when going abroad?

1. It is actually possible to apply for a credit card abroad and spend money abroad with a domestic UnionPay credit card, but the main card organizations abroad are visa and MasterCard, so most merchants do not have the conditions to apply for UnionPay cards.

2. In fact, at present, all major banks in China have launched credit cards: all-currency credit cards to facilitate the majority of cardholders to spend abroad. All-currency credit card holders can spend money at any foreign merchant and automatically convert it into RMB after spending. Just pay back according to the RMB bill, which saves the cardholder a lot of trouble.

3. It is recommended to use China Bank's all-currency international chip card-BOC EMV Gold Card, which is free of annual fee for life. No matter when, where and in what currency, the currency exchange fee for cross-border transactions will be reduced or exempted, and the preferential strength is 65438+ 0.5% of the transaction amount.

4. After opening the global transaction bookkeeping function of RMB, all transactions will be automatically purchased in RMB, and only repayment will be made in RMB according to the bill. If this function is turned off, you need to purchase foreign exchange for repayment manually.