Of course. There are many credit card products organized by different grades of cards in China Bank, and the card issuing modes and usage channels are not completely consistent. Generally, double-label cards can be consumed by UnionPay and POS machines organized by cards. Credit cards with UnionPay logo can only be used on overseas machines with UnionPay logo.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.

What are the international credit cards?

What are the international credit cards?

What are the international credit cards? International credit card is a card issued by the bank in conjunction with the international credit card organization to people with good credit, and it is very beneficial to friends who travel abroad for overdraft consumption on a global scale. Let me tell you something about international credit cards.

What are the international credit cards 1?

1. What is an international credit card?

International credit card is a kind of card issued by banks and international credit card organizations to people with good credit standing, which can be overdrawn worldwide. At the same time, this card is also used to confirm the identity of users on the international network.

Two. Overview of international credit cards

Cards issued by members (banks) of international card-issuing organizations can be signed by the special agent of the organization. This kind of card is called an international card. As we all know, the three major international organizations VISA, MASTER and JCB. VISA has the highest market share, followed by MASTER and JCB, but JCB is very easy to use in Japan, but not necessarily in other places. Although JCB is also an international card, some online shopping does not accept JCB.

Usually, international credit cards use US dollars as the settlement currency, and international credit cards can be overdrawn (spend first and then repay). Visa and MasterCard are the common credit card brands in the world, and major domestic commercial banks also provide international credit card business. You can easily apply for a credit card at the bank counter. It should be noted that international credit card deposits have no interest.

Third, the characteristics of international credit cards

1, ICBC Peony International Credit Card

When both RMB account and USD (or HK$) account are opened in the card, you can not only swipe your card at home, deposit and withdraw cash at ICBC's national outlets or UnionPay ATM, but also use or withdraw local currency at designated merchants of VISA, MasterCard or AmericanExpress card and ATM with its logo, enjoy the preferential exchange rate of international credit card organizations, and reduce the loss and trouble of foreign currency exchange.

RMB account and foreign currency account (USD or HKD) have their own credit limits, which do not affect each other. In addition, the US dollar account can be used for shopping on foreign websites, and the unique online transaction switching function of Peony International Card fully guarantees your card safety.

2. China Agricultural Bank Jinsui Credit Card Dual Currency Card

The dual-currency credit cards issued by ABC are Visa and MasterCard. In addition, featured cards include Jinsui Platinum Card, Jinsui International Travel Card and MasterCard HNA Co-branded Card. The dual-currency card has two accounts, RMB and USD, and the two accounts share a credit line. Overseas non-UnionPay POS consumption and overseas ATM withdrawal use US dollar accounts, and there is no handling fee for consumption. For cash withdrawal, the handling fee is charged at 3% of the transaction amount (minimum $3). If the local currency is not USD, you need to pay the international settlement fee. Visa is 1% of the transaction amount, and MasterCard is 1. 1%。

3. BOC Great Wall International Card

Chip (EMV) credit cards that meet international standards include US dollars, Hong Kong dollars, euros and pounds. It can be spent by more than 29 million VISA or MasterCard merchants in 256 countries and regions around the world, and can also be withdrawn from member banks, and can also be used at ATMs marked with "PLUS" or "CIRRUS" around the world. In addition, you can also pay related fees online.

4. BOC Great Wall International Zhuojuan Card

Credit cards, products, services and discounts specially designed for international students take care of the needs of international students. Zhuojuan Card has two options: Euro Card and Sterling Card. Parents can pay their children's living expenses for studying in China through various repayment methods.

5. China Merchants Bank Dual Currency International Credit Card

China Merchants Bank has a variety of dual-currency international credit cards, among which airline credit cards have cooperation with many airlines. For example, China Merchants Bank and All Nippon Airways jointly launched ——ANACard, the first foreign airline joint credit card in China. Credit card consumption can accumulate mileage; With this card, you can get up to 2 million yuan of aviation accident insurance if you pay the full plane ticket or 80% of the tour fare.

6. CITIC dual-currency credit card

Citic dual-currency credit cards (RMB and USD, RMB and HKD) can be used by more than 27 million merchants with VISA logo around the world, and can also be used to withdraw money from more than 700,000 ATMs around the world 24 hours a day. CITIC Credit Card also provides aviation accident insurance with a maximum of150,000 yuan, and the "400" Mandarin global customer service hotline provides 24-hour free service.

7. CCB Business Travel Series Dual Currency Credit Card

Many credit cards such as China Eastern Airlines Dragon Card, Shenzhen Airlines Dragon Card and Mango Travel Dragon Card in CCB Business Travel Series are dual-currency credit cards. For example, China Eastern Longka is an aviation joint credit card jointly issued by CCB and China Eastern Airlines. This card is a combination of Longka dual-currency credit card and Oriental Miles membership card. In addition to accumulating Oriental Miles points, you can also receive high aviation accident insurance. If the domestic flight of China Eastern Airlines is delayed for more than 4 hours, it can also receive flight delay insurance and baggage delay insurance.

8. Bank of Communications dual-currency credit card

In the form of main card and supplementary card, it is universal and there is no handling fee for consumption. The longest interest-free period is 56 days, and you can also withdraw cash urgently abroad. I will send you the child's consumption bill on time every month, and I can also open a banking service. The consumption details of each child will be sent to your mobile phone in the form of SMS at the first time. If you lose your credit card, you should immediately call 86-4008009888 to report the loss overseas to avoid loss.

Fourth, matters needing attention

1. Adjust the credit card limit.

Under normal circumstances, the credit card limit given by the bank is relatively large. For example, my credit card limit is close to 20 thousand yuan, which is generally not needed. In case the credit card is lost, it will cause a lot of unnecessary losses. Therefore, individuals can manually adjust the credit card limit, for example, setting a limit in the credit card limit adjustment of China Merchants Bank Online Banking Professional Edition, so that the credit card consumption limit is within this limit, and the risk is much less. When you need more credit cards, you can modify them manually.

2. Turn off the ATM withdrawal function of the credit card.

It is basically useless to withdraw money from ATM by credit card, and the interest rate is surprisingly high. Once the credit card is stolen, it will bring greater risks. It is suggested to turn off the cash withdrawal function of the credit card.

6. Which is safer, signature or password?

Using signature as proof of credit card consumption is the mainstream of international banking. From the security point of view, this kind of credit card can be consumed only by signing, especially through online banking. Generally, as long as you know the cardholder's name,++,credit card validity period and inquiry password, you may be stolen. Therefore, many cardholders in China think that passwords are more secure than signatures. However, the use of passwords also has some disadvantages, that is, the responsibility of keeping passwords is passed on to cardholders, which means "at your own risk". Once a credit card is fraudulently used, the rights and interests of the cardholder who uses the signature can often be better protected and compensated.

What are the international credit cards?

1 visa

Visa card has also been translated into Visa, Visa, Cai Huika and Visa. It's a credit card brand. 1959, bank of America began to issue American bank cards in California, and 1976 began to issue Visa cards. 1977, "Visa" was officially regarded as the symbol of the organization and was called the Visa international organization. VISA card is a credit card issued by Visa International with the ending of 1982. It can be accepted at more than 29 million merchant trading points around the world, and cash can be withdrawn from1800,000 ATMs, which is infinitely convenient.

2. MasterCard

Mastercard international established an internationally accepted credit card system in the late 1950s and early 1960s, and it immediately became popular all over the world. 1966, the interbank association was established. 1969 The Bank Card Association purchased the patent right of MasterCharge, and unified the credit card name and style design of each issuing bank. In the following ten years, MasterCharge's original name was changed to MasterCard.

3. American Express

Since 1958 issued the first American Express card, up to now, American Express has issued American Express cards in 49 currencies in 68 countries and regions, building the world's largest self-contained special merchant network with more than 60 million high-quality cardholders. American Express Company was established in 1850, and its initial business was to provide express service. With the continuous development of business, American Express took the lead in launching traveler's checks at 189 1, mainly for high-end customers who travel frequently. It can be said that American Express has served high-end customers for a hundred years, and accumulated rich service experience and a huge group of high-quality customers. There are Peony American Express Card, China Merchants Bank American Express Card, CITIC American Express Card, Great Wall American Express Card and Minsheng American Express Card.

4. Dinner Club

Diner's Card was founded by entrepreneur FrankMCMamaca on/1950. This is the first plastic payment card, and eventually developed into an international credit card. 198 1, Citigroup, the holding company of Citibank, the largest retail bank in the United States, accepts DinersClubIntenational card. The main advantage of Diner's Card Company is that it has increased its sales in underdeveloped areas and consolidated its strong position in the credit card market. The company strengthened its position in the international market by forming a reciprocal agreement between Dalai's cash exchange network and ATM network.

China Industrial and Commercial Bank launched the first Dalai brand RMB/USD dual-currency card in Chinese mainland.

5. JCB (Japan Credit Bureau)

JCB card is a universal international credit card. It is a credit card jointly issued by Mitsui Bank of Japan, Nobuyuki Bank of Japan, Mitsui Bank, Concord Bank and Daiwa Bank at 196 1. The credit card (20 13) has been issued and circulated in 190 countries and regions around the world. They are the top five international credit card brands and the only international credit card brand originating from Asia.

JCB pays special attention to China, South Korea and other countries and regions. In China, nine banks have issued JCB credit cards, including China Bank, Shanghai Bank, China Everbright Bank, China Minsheng Bank, China Merchants Bank, Shanghai Pudong Development Bank, Ping An Bank, China Construction Bank and China Industrial and Commercial Bank. The number of cardholders has exceeded 5 million.

What kind of credit card can be swiped abroad

1, Visa

2. MasterCard

3. Diners' Club (Diners' Credit Card)

4.american express card

5. Some UnionPay credit cards (International UnionPay)

Extended data:

Which is better, UnionPay or visa?

One factor to consider when choosing to swipe VISA or UnionPay is that VISA is settled at the exchange rate on the day of the bill, while UnionPay is settled at the exchange rate on the day of swiping the card.

The trend of the US dollar and RMB will also affect the final consumption. For example, if you spend 100 USD by swiping the card, if the exchange rate on the day of swiping the card is 1 USD = 6.95 RMB, but the exchange rate on the day of billing is 1 USD = 6.83 RMB, without considering other influencing factors, if you use USD for billing (take the VISA channel and settle at the exchange rate on the day of billing), then the cardholder needs to repay/kloc-

However, if the account is kept in RMB (through the UnionPay channel, it is settled at the daily exchange rate), the amount shown on the bill is 100×6.95=6950 RMB, and the cardholder will eventually repay directly in RMB according to this amount.

With the expected appreciation of RMB, it is more cost-effective to keep accounts in US dollars. On the contrary, it is more cost-effective to keep accounts in RMB. The same is true of other currencies, especially some currencies with large short-term fluctuations in exchange rates. Grasping their trends, we can really "copy the bottom". But this is not something that ordinary consumers can grasp flexibly and accurately, and there are also many risks.

References:

Baidu encyclopedia international credit card

What are the common types of credit cards abroad?

1, Visa: Visa card, also translated as Visa, visa, Cai Hui card and visa card, is a credit card brand. Visa card was issued by Visa International at the end of 1982, which can be accepted by more than 29 million merchant trading points around the world and can be used to withdraw cash from1800,000 ATMs.

2.MASTER:VISA and MASTER have established a global alliance for credit card consumption. After domestic banks cooperate with them, credit cards issued by domestic banks can be swiped within the alliance. To apply for a credit card, you can choose to apply for a VISA credit card or a Mastercar credit card.

3. China UnionPay: China UnionPay is a joint-stock financial service institution jointly established by more than 80 domestic financial institutions with the approval of the People's Bank of China, with a registered capital of 65.438+65 billion yuan. The company was established on March 26th, 2002, and its headquarters is located in Shanghai.

Extended data:

Precautions:

1, Visa and MasterCard are all foreign card issuers. The specific choice depends on the user's range of activities. If you often travel in Asia and Australia or spend money by credit card, it is recommended to choose Visa card, because Visa accepts more merchants in Asia and Australia and is more convenient to use. The advantages of MasterCard lie in Europe and North America.

2. If you swipe your card mainly at home and occasionally abroad, you must apply for a dual-currency credit card instead of a single-currency Visa credit card (there are few single-currency Visa credit cards at present). Because a simple Visa card may not be able to trade on the domestic UnionPay POS machine.

3.Visa card should be well protected, pay attention to the three-digit check code behind the credit card, and it is best to stick it with a small note, and try to keep the card well when swiping, especially when swiping abroad. Because in foreign countries, Visa card holders often do not have password transactions, they only need to provide information such as++and three-digit check codes to merchants and sign them to complete the transactions. Therefore, once the++and check code are leaked, it is very likely that the credit card will be stolen.

Baidu encyclopedia -VISA card

Baidu encyclopedia-MasterCard

Baidu Encyclopedia-China UnionPay

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 foreign currency transactions will be automatically purchased and booked 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.

For more information about what credit cards to apply for abroad, please visit: See More.

The introduction of credit cards used abroad ends here.