If you hold a double-label card of China Bank, you can use UnionPay or international organizations in consumption abroad; If you have a single label card, you can go through an international organization in consumption abroad.
The above contents are for your reference. Please refer to the actual business regulations.
Haitao Xiaobai must see: the choice of Haitao credit card
Overseas transactions need to go through the multinational bank settlement system. Savings cards and debit cards have no corresponding management platform and cannot be settled through transactions. Overseas merchants will encounter the failure of fee deduction, even though your card is really rich. In order to avoid unnecessary troubles, credit cards are necessary.
There is no essential difference between Visa and Master card, and they are both cross-border payment and settlement platforms. Visa is currently the world's largest card issuer and payment and settlement platform. Every credit card with Visa logo can be spent through Visa's settlement platform. As long as the merchant supports Visa or Master, and your credit card has the corresponding card issuer logo, you can spend it at the merchant. The handling fee for settlement shall be borne by the merchant. This is the job of Visa. The full name of AE card is AmericanExpress. American Express is not a settlement platform, but a real bank. Therefore, AE card uses a separate settlement platform to build a special merchant network with the help of high-quality customers and the reputation of American Express. AE card has the nickname of "rich card", and the cardholder's reputation and assets are above average. AE co-branded credit cards issued in China include CITIC, Industrial and Commercial Bank of China and China Merchants Bank. JCB is a characteristic credit card in Japan, which is very powerful in Asia. Credit cards with different logos and different payment platforms. It doesn't matter if Haitao people choose Visa, Master or AE card. AE card only has some benefits in individual scenarios.
Paypal, you can understand it as international Alipay. Paypal is a completely independent third-party payment platform, which can bind the applicant's local bank credit card or directly accept the remittance from the account holder. If you don't have a credit card, you can apply for a Paypal account and save money to solve the settlement problem of online shopping.
Unfortunately, the influence of Paypal in the world is far from that of Alipay in domestic businesses. Many local businesses in the United States cannot use Paypal. In addition, Paypal has to distinguish between regions and regions, and the handling fee is very high.
The so-called restrictions on domestic cards are only a matter of credit card verification, not for domestic credit cards. American settlement system includes avs and addressverificationsystem. Since avs can only verify the local address information in the United States through keywords, credit cards outside the United States cannot pass through this system. American e-commerce companies adopting avs naturally cannot use China credit cards. Americanexpress has its own independent payment platform and different verification channels, which is the secret that AE card users can pass the verification. Disclaimer: The article comes from the Internet and is only for users to learn and communicate. If there is any infringement, please contact to delete it.
What credit card should Haitao apply for?
Haitao is what we often call overseas shopping. Overseas shopping generally adopts the method of paying first and then shipping. When using Haitao, the indispensable tool is the credit card, because Haitao pays by credit card. So, what credit card should Haitao do?
1. If you want to do overseas shopping, you need a credit card that can be paid in advance. This card should be marked with Visa, Master or AmericanExpress, or choose all-currency credit cards of major banks.
2. If you want Haitao, you need to prepare a credit card or an Alipay account (Visa/Master) that can be paid overseas in advance.
3. All-currency credit cards of banks are also suitable for cardholders who like Haitao. If Haitao is conducted outside the United States and the United States and Asia, it is best to have a credit card in the corresponding currency, a credit card in all currencies, or a credit card that pays the exchange fee.
Generally speaking, if the buyer holds a double-label card, he can go through UnionPay or an international organization in consumption abroad, and if he holds a single-label card, he can go through an international organization in consumption abroad.
Haitao credit card
If you can only buy online now, it is not a tide, and playing Haitao is the real master. Needless to say, the advantages of Haitao, on the one hand, can buy foreign goods with guaranteed quality, on the other hand, the prices of goods through Haitao are far lower than those in China. If you want to play Haitao, you must first apply for a credit card suitable for Haitao. Let me introduce several Haitao credit cards to you.
Haitao Credit Card:
1. China Bank Full Currency Card (EMV)
It is divided into gold card and platinum card, and it is best to apply for platinum card. Because platinum cards have double points for overseas transactions. There are EMVMasterCard and EMVVisa cards, MasterCard is the best choice. But not every region can apply for MasterCard.
I won't elaborate on the detailed functions and service features, because I can't say it all. It depends on his integral value. If the points are doubled, the RMB consumption in 9 yuan can be converted into Air China mileage of 1, which is still very valuable.
Second, Bank of Communications Wal-Mart co-branded credit card-MasterCard
This card is a dual-currency card, which is suitable for purchase in the United States, but not in Europe. I used it for a while before. At that time, it was all domestic consumption and I didn't feel its advantages. Now that I finally know, I have a little regret:
1. Cash rebate for consumption, equivalent to 1%.
2. Every time you spend 1 yuan in China, you accumulate 1 minute, and every time you spend 1 dollar abroad, you accumulate 7 points (you know, the products on Wal-Mart's American website are also extremely rich). Shopping at Wal-Mart doubles your points. All points can be used to deduct Wal-Mart's consumption. Bank of Communications has "Red Star Friday", which is equivalent to a 15% discount on shopping at Wal-Mart on Friday.
3. Don't miss the benefits for friends who have cars. This card can be used for refueling and rebate. Did you run out of fuel last year 1 month? In 2000, then refuel every Friday, with the highest rebate to 25 yuan and the highest rebate per month 100. The rebate part can only be used for refueling consumption.
Third, China Merchants Bank multi-currency credit card
Choosing it is to choose the service of China Merchants Bank Credit Card. Everyone is familiar with it, so I won't expand it much. Just say one thing, China Merchants Bank's birthday credit card is a shortcut to praise points.
Four, Industrial Bank "you" series platinum credit card
Specifically, what does this card have? There is no annual fee waiver in 900 yuan. In addition, the card not only basically meets the demand of overseas direct purchase, but also is especially suitable for users who frequently travel internationally. The VIP pick-up service at overseas airports is characterized by100000 accident insurance.
How to choose Haitao credit card?
Choose according to your own needs.
1. Dual-currency card: Although Amazon has launched the UnionPay channel payment function, it still doesn't support the "China channel" for most websites, so if you apply, you will still use the US dollar dual-currency card.
2. Payment channel: US dollar dual currency card, you will see three logos of Visa, Master and AmericanExpress. Generally speaking, there is no difference between the first two. For some websites where VM card swiping often fails, the pass rate of swiping with AE card is higher. Users who apply for a new card are advised to apply for AE card directly.
3. Other currencies: Although the United States is the main position of Haitao, with the decline of the yen exchange rate and the ultra-fast transshipment speed of Japan, Ritao has gradually become the second battlefield, and the British Amazon, which occasionally has a price, settles in pounds. For these non-USD direct settlement websites, although they can be paid by USD card, they need to pay a currency conversion fee of 1.5%. Buying more things is a big expense. At this time, you need to apply for a special yen dual-currency card, euro dual-currency card, or simply apply for a multi-currency card.
4. Virtual Card: For students who don't have dual-currency cards and are too lazy to apply, you can consider using Tenpay's "Virtual American Express Card" service.
Introduction of four major credit cards
1 Introduction. VISA: VISA is like UnionPay in China. VISA International is the largest international credit card organization in the world. If you often travel in Asia and Australia or spend money by credit card, then I suggest you choose VISA, because VISA accepts more merchants in Asia and Australia and is more convenient to use. Introduction: As MasterCard and paypal need to be set separately, it is recommended to bind VISA card when using paypal.
2. Introduction to MasterCard: MasterCard is the same as Visa. There is little difference between these two international organizations in China, just like Coca-Cola and Pepsi. You can choose what you like. The advantages of MasterCard lie in Europe and North America. Friends who often go to Europe and America can choose MasterCard. Introduction: MasterCard often cooperates with Amazon, a global integrated e-commerce platform, to launch various credit card promotions.
What credit card does Haitao use? The introduction of the most suitable credit card for Haitao ends here. I wonder if you have found the information you need?