So far, due to the huge number of tourists in China, many countries and regions can now use UnionPay cards, and all stores have special discounts on UnionPay cards, mainly to attract tourists from China to spend.

Of course, UnionPay cards can also be used in Hong Kong and Macao, and there are still many discounts. However, users must tell them to use UnionPay cards before swiping their cards, otherwise there may be unnecessary misunderstandings.

In addition, it is best to use UnionPay cards for shopping in Hong Kong and Macao, including savings cards and credit cards. It is convenient and practical for banks to exchange money directly. If you use ViSA card, the manual reading fee is very expensive, and many shops can pay with Alipay and WeChat. It's best to ask if your UnionPay card issuer charges a handling fee.

VISA, also translated as Visa, is a credit card brand managed by Visa International in San Francisco, California, USA.

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Overseas Credit Card Raiders and Precautions

1. Bring different credit cards and skillfully use their discount services.

The familiar UnionPay, VISA, MasterCard and JCB are all different credit card organizations. They issue credit cards through different commercial banks around the world. In order to win and encourage people to use their own cards, these card organizations have organized various preferential discount services in conjunction with merchants and banks all over the country.

2. Book airline tickets by credit card and pay online.

We can't book a plane ticket without a credit card, but many people often just book a plane ticket without paying attention to the extra benefits that a credit card can bring to themselves.

In addition to mileage, many banks will attach aviation insurance when cardholders use airline co-branded cards to buy air tickets or pay for tour groups. This insurance also includes flight delay and baggage loss insurance. Not only the Bank of China, but also other banks are using additional aviation insurance and other services. We might as well consult the bank before buying a plane ticket to see if our card enjoys this preferential service.

3. Use chip cards as much as possible.

We advocate using chip cards as much as possible for daily home travel consumption, not because it is more fashionable than using magnetic stripe cards, but for safety and reducing the risk that our magnetic stripe credit cards will be cloned by criminals.

Because the core card has a unique private key that belongs to you, it can only be read and cannot be rewritten. When your chip card is inserted into the POS machine for transaction, the private key in your card is combined with another private key in the banking system, and then encrypted by a specific algorithm, stored in the bank's database system, and then the transaction is completed, so it is almost impossible to forge the chip card.

Baidu encyclopedia-unionpay card

Baidu encyclopedia -VISA credit card