CCB Dragon Card World Cup Credit Card or Dragon Card Global Payment Credit Card, which one is more suitable for overseas shopping, and their respective application conditions and limits

Both credit cards are suitable for overseas shopping. Moreover, all foreign currency transactions on the card (including card consumption, online consumption, cash withdrawal, etc.) can be automatically purchased and converted into RMB and recorded in the account, and the 1.5 currency exchange fee is waived.

If the purpose of this card is only for overseas shopping, then you can get any card.

If you want to use it in China, it is recommended to apply for a Global Payment Dragon card, because VISA single-label credit cards may not be accepted at many domestic merchants.

In terms of application conditions, the Global Payment Dragon Card is a platinum-level credit card with relatively high requirements, while the Football World Cup credit card is divided into gold card and platinum card. If you can get a CCB Platinum Card, you can choose any one. If you don’t meet the platinum card application conditions, it is recommended to choose the Football World Cup Dragon Card.

The basic conditions for applying for a CCB credit card are: be between 18 and 70 years old and have full capacity for civil conduct; have a stable career and income, be able to repay principal and interest on time, and have good credit. As for the platinum card, it is aimed at mid-to-high-end customers with higher annual income.

The specific credit limit cannot be determined. The bank will make a comprehensive judgment based on your actual credit status before approving the limit. You will not know until you get the card. The credit limit has little to do with the card type and mainly depends on your personal credit. .

If you have a network shield, you can log in to the CCB credit card homepage to apply online, which is very convenient. If you have some proof of financial resources (such as cars, real estate, large deposits, etc.) that need to be submitted, it is not recommended to apply online. You can directly bring your ID card and these materials to the branch to apply. Sufficient proof of financial resources is helpful for the review. help.

When you first open a credit card for overseas shopping, which one should you choose?

I personally recommend the credit card of China Construction Bank. According to the card organization of the transaction, there are cash rebates. If the four organizations of VISA, MASTER, JCB, and UnionPay are added together, the cash rebate amount will be quite large. Recently, they have recommended In addition to the daily 8 cash rebates for Xiang Card and MUSE Card, there are also additional overseas consumption cash rebates from other designated merchants, which are quite powerful. If a single transaction reaches a certain amount, you can also win a lottery.

Which CCB credit card is better? Which CCB credit card is better?

When applying for a credit card, most people want to buy products issued by big banks, mainly to enjoy more exciting rights and interests. As one of the four major state-owned banks, China Construction Bank has always been far ahead of other commercial banks in the number of card issuances, and its card types are also quite rich. Want to know which CCB credit card is better? Let’s take a look at the several models introduced to you to see if they are satisfactory.

CCB has a wide range of credit card types and has issued a variety of products to meet the needs of different customers. To say which CCB credit card is better, the key lies in the needs of customers. Here are several CCB credit cards that you can choose according to your needs:

1. Dragon Card Premium Credit Card

Suitable for: high-end business travelers who need overseas overdraft

This is a MasterCard single-logo gold card. The application threshold is relatively low, but the card benefits are wonderful. Cardholders can enjoy a cumulative overseas cashback of up to 34, and can also enjoy business travel benefits, such as free WiFi discounts, 10% off on Hertz car rentals, 22% off on Hotels.com hotels, etc. However, the Dragon Card Premium Credit Card cannot be used in China and can only be used for overdraft consumption overseas.

2. Dragon Card Car Card

Suitable for people: car owners

There are two levels of gold card and platinum card for cardholders to choose from. People can enjoy car owner services: discounted oil changes with points, discounted car washes, free roadside assistance, etc. It is a car owner card tailor-made for private car owners. However, the Longka Auto Card charges an annual fee and there is no discount.

3. Longka Tuniu Travel Card

Suitable for: young business travel customers

A co-branded card issued by China Construction Bank and Tuniu Travel Network, for those with travel needs It is more affordable to apply for a card in person, including 20% ??off on Tuniu purchases, free airport pick-up and drop-off services, free WiFi privileges, 1 yuan parking privilege at the airport, etc.

4. Vipshop Dragon Card

Suitable for: Online shoppers

If you like to shop online at Vipshop every day, then get a CCB co-branded card You can enjoy more discounts and privileges, such as 10% off the entire Vipshop store and then 2% off, special sales for 1 yuan for new customers from time to time, VIP membership of Vipshop, and free shipping all year round!

Which CCB credit card is better? There should be one of the above 4 models that meets your consumer needs. It is worth reminding that although there are many credit cards available to everyone, it is wise to choose the one that best suits your needs.

Comparison of overseas shopping credit cards of various banks

Compared to Taobao, overseas shopping, as an emerging shopping method, has become the focus of online shopping. Once you become addicted to online shopping, you will be out of control. Naturally, you cannot do without a credit card if you want to do overseas shopping. So which bank’s credit card to apply for is a question faced by cardholders. Today, I will tell you what are the advantages and disadvantages of each bank’s overseas shopping credit card?

1. China Merchants Bank:

The fees are not low. Even if you have a gold card, you will not be exempted from the fees for overseas emergency loss reporting and emergency replacement of the card. There will be activities such as cash back for US dollars, which is suitable for overseas shopping enthusiasts.

Advantages:

1. Rich card types, good service, you can apply for AE card, swipe the card 6 times without annual fee.

2. It is very convenient to purchase foreign exchange and repay it. What is particularly worth mentioning is that as long as you deposit RMB into your CMB credit card, you will be given priority to automatically repay your U.S. dollar debt. This means that you can use third parties such as Alipay, Tenpay, and Kuaiqian to repay your U.S. dollar debt without having to buy foreign exchange over the phone. It's more worry-free.

Disadvantages:

1. Currency conversion fees and US dollar selling prices tend to be higher among the 10 banks;

3. Overseas card-less transactions cannot be closed. Function.

2. China CITIC Bank

Advantages: You can automatically purchase foreign exchange, apply for an AE card, swipe the card 6 times without annual fees, the visa delivery service is also good, and there are many currencies. The US dollar selling price is lower and the quota is strong.

Disadvantages:

1. Currency conversion fee, overseas card-less payment function cannot be turned off;

3. Online banking function is relatively poor and cannot check the exchange rate.

3. Industrial and Commercial Bank of China

Advantages:

1. It has the most branches and many currencies. Unlike Bank of China, the selling price of foreign currencies is generally lower. You can purchase and repay foreign exchange directly in online banking and receive it in real time.

2. There are AE cards and multi-currency cards. There is no annual fee for swiping the card 5 times, and there is no handling fee for overpayment withdrawals; the currency conversion fee (also known as the overseas transaction evaluation fee) is low, and V is 1. M is the lowest among all domestic banks. Therefore, if you use a U.S. dollar card to pay Euros in Germany and repay in RMB, considering the appreciation of RMB, you may save money on purchasing foreign exchange in RMB than using a Euro card.

3. It is more convenient to purchase foreign exchange and repay it. As long as you deposit enough amount in your debit card, in addition to automatic repayment, you can also directly purchase foreign exchange and repay it in online banking, and it will arrive in real time. Almost no banks provide this function. CCB’s online banking repayment of foreign exchange does not arrive in real time. Don’t underestimate this function. It can save money. You can keep refreshing and find a low selling price of foreign currency, and then purchase and repay the foreign currency. Money, great autonomy. In addition, you can choose to purchase foreign exchange in real time in online banking (foreign currency consumption is converted into RMB in real time, and accounts are recorded in RMB. It was only a few years later that Bank of China's Global Connect card realized this function).

4. The selling price of foreign currencies is generally low, and the foreign exchange quotations of various banks are always somewhat different. Although the quotations of various banks are not very different, the overall price of ICBC is relatively low, just a few points lower, but if the amount is large, If so, you'll still save some money.

5. You can easily turn on or open the overseas card-less payment function to improve security.

6. The interest-free period is 56 days. Although the billing date is always the 1st and the repayment date is always the 25th, it is already the longest.

The currency conversion fee is the lowest among major banks, V is 1, and M is Disadvantages:

1. The credit limit is not necessarily strong. In the early years, it was extremely difficult to apply for a credit card at ICBC. Even with very good financial strength, it was still very difficult. It’s difficult, especially with the Euro card, which is only 500 euros.

2. The service capabilities of each province vary greatly. For example, I have a Euro card, but the provincial card department said that there is no Euro card version, and the US dollar card version is used. Therefore, the pre-printed bin does not match the embossed bin. As a result, it was rejected once in Germany and I was forced to use the US dollar card. .

3. Each card needs to be repaid separately, and the total consumption of all cards will not be automatically calculated.

2. The selling price of foreign currencies is generally low, you can automatically purchase foreign exchange, and you can get points for Amazon U.S. dollars consumption;

3. You can manually set the overseas transaction function: "Close, only once, certain time period or permanently"; (TX who are worried about network security can set "only once" before overseas shopping, and the overseas transaction function will be closed automatically after payment)

4. Full payment for online ticket purchases Free insurance of 20 yuan.

Disadvantages: Few outlets.

5. China Construction Bank

It seems that no advantages have been found, and the disadvantages are not obvious. The US dollar selling price is often higher than the other 9 banks, and the currency conversion fee is 1.5.

6. Bank of China

Use the country and currency (U.S. dollar V, British pound M, German euro V, Swiss euro V U.S. dollar V, Australian dollar V)

Advantages:

1. The highest level of internationalization. As the most professional foreign exchange bank in China, the overseas credit card business is the most mature. The design is mature and elegant. Most American cashiers know BOC, and there is no UnionPay plaster on the card surface.

2. Complete currency types.

3. Bank of China has many overseas outlets, and it is so convenient that you can directly go to the New York branch to repay the US dollar balance owed on the US dollar card. Suitable for people who are going abroad for a long time.

4. Real-time text messages, there will be calls after swiping foreign currency, but my international mobile phone roaming charges will be waived.

Disadvantages:

1. The selling price of US dollars is not low, often the highest.

2. Euro and pound credit cards do not waive annual fees. If you don't go to a Euro country or the UK, don't apply for these cards, because they are single-currency credit cards, which are not exempt from annual fees. Not only do you swipe the card domestically and use foreign currency for accounting, there is also a currency conversion fee. And these annual fees can be used to make many transactions with the US dollar card.

3. Online banking sucks. Before 2008, Bank of China didn’t know anything about online banking. Online banking has been available since 2008, but the interface is stingy and difficult to use. Credit card functionality is minimally customizable. The single currency credit card has also been registered with another website in Hong Kong.

4. Cardless payment on overseas websites cannot be closed. In addition to the VBV and MasterCardSecureCode functions that can be registered for single foreign currency credit cards,

7. Bank of Communications

Use country and currency (US dollar M)

Advantages:

1. The US dollar selling price is slightly lower than that of ICBC and the same as that of China Everbright Bank. Anyway, it won’t be higher than Bank of China

2. The Golden Phoenix Card looks good.

3. The quota is super awesome.

Disadvantages:

1. Why is the currency conversion fee so high? The other company with the highest price is Everbright. So never use it in non-USD areas.

2. The overseas card-less payment function cannot be turned off. There have been reports of large-scale fraud by netizens.

3. Swipe your card quietly. No text messages or anything like that, that costs money.

8. Minsheng Bank

Use country and currency (US dollar V)

Advantages:

Very few

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Disadvantages:

Even for transactions in the same currency, a so-called overseas transaction fee of 1 is charged.

9. China Everbright Bank

Use the country and currency (U.S. dollar V card)

Advantages:

1. Sell in U.S. dollars The bids are low, often the lowest of all 10 banks. Off topic: But its US dollar demand deposits have the highest expected annual interest rate, so the US dollars are all emptied.

2. You can turn off the overseas card-less shutdown function through the phone, but it always feels inconvenient every time you call.

3. Real-time SMS notifications and frequent phone calls, which waste my international phone bill.

Disadvantages:

Currency conversion fee is as high as 1.95

10. Hua Xia Bank

Using country and currency (US dollar M)

Advantages:

1. The Deutsche Bank logo on the card is familiar to many foreigners. Twice, the American cashier said: Yourcardisfantastic. I guess he saw the DB logo.

2. The overseas credit card swiping function can be turned off. This function is different from closing overseas card-less payments, especially for countries such as Malaysia, where card information is used for fraud. It can be described as a major feature.

Disadvantages:

1. There is still a so-called conversion fee of 1 for the same currency

2. It is not as easy to use as Hua Xia Debit Card. Hua Xia Debit Card is free of charge for overseas UnionPay cash withdrawals.

Which CCB overseas shopping card is the best to apply for as a novice?

If you meet the card application conditions, most of them can be applied for. It is better to use VISA or MasterCard single-label cards for overseas shopping, such as A popular global purchase card, suitable for overseas use, with no annual fee within the validity period. The basic conditions for applying for a CCB credit card are: be between 18 and 70 years old and have full capacity for civil conduct; have a stable career and income, be able to repay principal and interest on time, and have good credit.

Which credit card is better for overseas shopping?

Recommended credit card for overseas shopping:

China Merchants Bank American Express Card (recommended to apply for a gold card)

Reason for recommendation: Some American B2C websites such as Levis, RalphLauren, and NewEgg do not support domestic Master or Visa dual-currency credit cards, but you can use AE cards to conveniently place orders. Four domestic banks have launched American Express co-branded credit cards. They are CITIC, Bank of China, ICBC and China Merchants Bank. Relatively speaking, China Merchants Bank has the best online payment and various experiences.

Overseas shopping credit card recommendation two:

Bank of China Great Wall Global Pass Credit Card (recommended to apply for a gold card)

Reason for recommendation: This is a full-currency card For credit cards, you can open accounts in RMB, which means that no matter which country you spend online, you can account in RMB. The exchange rate uses the exchange rate of the day. In addition, gold cards can open virtual cards. The advantages of virtual cards are There is a limit, currently it is 1,000 yuan per day, which can better avoid being stolen.

This card needs to be applied at the bank counter. Remember to bring your ID card, income certificate and other materials

Three recommended overseas credit cards:

The previous 2 cards , basically a must-have. Next, we recommend some mainstream VISA and MasterCard credit cards. You can choose based on your preferences and domestic activities:

(1) Bank of Communications Walmart Co-branded Card (MasterCard Gold Card ): In addition to normal overseas shopping, you can go shopping at Walmart every Friday in China and get a 5% rebate.

(2) Industrial and Commercial Bank of China Multi-Currency Card (MasterCard Gold Card): It is also a full-currency card that can be used in the currencies of more than 10 countries, eliminating currency conversion fees (currency conversion fees are charged by merchants) The currency conversion rate for converting currency directly into RMB is generally 1.5-2).

(3) China Construction Bank Dragon Card Global Payment Card (MasterCard Gold Card): This card was recommended by a commenter. I didn’t apply for it myself. I found it was a platinum card, but I made 10 transactions. There is no annual fee, which is also a good choice. The exchange rate is also relatively low. Students who need a platinum card are recommended to apply.

(3) CITIC Bank AE Card or VISA Card: The reason for recommendation is that in addition to accumulating points for overseas shopping, CITIC Credit has many domestic activities, such as redeeming movie tickets for 9 yuan, free Starbucks coffee, etc. Etc. VISA card is mainly used for various Visa-specific activities, and AE card is mainly used for website transactions. You can choose according to your needs.

This is the end of the introduction about which credit card of CCB Overseas Taobao and which credit card of CCB Overseas Taobao is easy to use. Have you found the information you need?