It's quite useful. I used it very smoothly abroad a while ago, and I also experienced the situation that the magnetic stripe card was rejected. Chip+multi-coin is still good. Moreover, someone has tested the credit line, and this card is temporarily the most favorable card in RMB among all currency cards.
This card is the main card recently promoted by the industry and commerce, similar to the multi-currency card of the industry and commerce, but the card surface is 100 times better. This card only has 10 currency, which can avoid the currency exchange fee, but it is basically enough. It should be noted that after the card is opened, the personal credit report will show that the industry and commerce have a 10 currency account, so please be cautious.
China Industrial and Commercial Bank Multi-currency Credit Card
Relying on strong scientific and technological strength and global settlement advantages, ICBC's multi-currency credit card has brought tangible value-added services to customers' growing demand for studying abroad and doing business.
With the improvement of people's living standards, various overseas tours have developed rapidly, and China people can be seen everywhere in foreign countries, especially in Japan, South Korea and Europe. There are not a few netizens who buy things. At this time, you need a multi-currency credit card that can easily overdraw and facilitate repayment. What Bian Xiao recommended for you today is the ICBC Global Travel Card of China, which is most suitable for business travelers who are about to go abroad.
Advantages: USD, EUR, HKD, GBP, AUD, JPY, SGD, CAD, CHF, NZD 10 direct payment without currency conversion.
If automatic foreign exchange purchase is turned on, foreign exchange will be automatically purchased from the debit card for repayment on the repayment date; if automatic foreign exchange purchase is turned off, it is necessary to manually purchase foreign exchange for repayment.
UnionPay and MasterCard are dual channels, both in China, and they can be repaid by Alipay.
Platinum card has PriorityPass card, which allows you to enter the international VIP room of the airport unlimited times.
Even if the automatic purchase of foreign exchange for repayment is enabled, it is only on the repayment date that the foreign exchange is automatically purchased from the debit card for repayment. The bill shows the consumption amount and will not be recorded directly in RMB. Before the repayment date, in the case of good exchange rate, it is also a good choice to purchase foreign exchange manually for repayment.
Disadvantages: this card has no ordinary card, and there is no chance of demotion after application. It is suggested that Taobao friends who are not confident about their own strength apply for ICBC multi-currency cards, except that the card face is ugly, and the basic functions are the same. Moreover, as the largest bank in the universe, ICBC's audit is still relatively strict, which is called a high threshold, and it will be more difficult to apply.
Gold card swipes 5 times free of annual fee, platinum card swipes 2000, and the annual cycle consumption is 20W.
Bank of China and Industrial and Commercial Bank of China JCB credit cards.
China Bank has created a variety of innovative credit card products, and is committed to providing consumers with colorful courtesy services, fully meeting the consumption needs of different customer groups, including: personal Jinpu credit card, platinum credit card, high-end card and many other credit card products. You can learn about it through credit card WeChat official account, colorful life APP, official portal, customer service hotline and other channels.
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's the difference between UnionPay, VISA and JCB credit cards? What are the advantages and disadvantages in use?
Difference:
1. UnionPay is a bank card organization in China. In other words, it is a credit card issued by a domestic bank. A joint-stock financial service institution jointly sponsored by more than 80 domestic financial institutions.
2.VISA is one of the two largest credit card organizations in the world, and its role is equivalent to UnionPay. Visa International has more than 700 member financial institutions, and issues various Visa payment instruments, including credit cards, debit cards, corporate cards, business cards and purchasing cards.
3.JCB is a bank card organization in Japan, that is to say, it is a credit card issued by the Bank of Japan. It is the earliest high-end card brand issued in the history of Japanese credit card industry.
Consumption:
1. UnionPay can rely on UnionPay to make cross-bank withdrawals in China and spend at any merchant. Some foreign countries support the withdrawal and consumption of UnionPay, such as Singapore and New Zealand.
2.visa covers the whole world. There are VISA merchants and ATMs all over the world. When going abroad, you can generally use Visa where there is no UnionPay.
3.JCB It is generally convenient to use JCB cards in Japan.
Extended data:
China UnionPay was established in March 2002. With the approval of the State Council and the approval of the People's Bank of China, China Bank Card Association is headquartered in Shanghai.
As a joint bank card organization in China, China UnionPay is in the core and pivotal position in the bank card industry in China and plays a fundamental role in the development of the bank card industry in China. Through the inter-bank transaction clearing system of UnionPay, banks have realized the interconnection between systems, thus realizing the inter-bank, inter-regional and cross-border use of bank cards. On the basis of building and operating the inter-bank transaction clearing system of UnionPay and realizing the universality of bank card networking, China UnionPay actively cooperates with commercial banks and other industrial parties to promote the unification of UnionPay card standards and norms and build its own brand of bank cards; Promote the development and application of bank cards; Maintain the market order of bank card acceptance and guard against bank card risks. Through the inter-bank transaction clearing system of UnionPay, the interconnection and resource sharing between commercial banking systems can be realized, and the inter-bank, inter-regional and cross-border use of bank cards can be ensured.
Banks are financial institutions established in accordance with the law to operate monetary credit business, and they are the products of the development of commodity monetary economy to a certain stage.
Banks are one of the financial institutions. Banks are divided into central banks, policy banks, commercial banks, investment banks and the World Bank, with different responsibilities.
Central Bank: China People's Bank is the central bank of China.
State-owned policy banks: including The Export-Import Bank of China, China Agricultural Development Bank and China Development Bank.
State-owned commercial banks: including China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Construction Bank, China Postal Savings Bank and Bank of Communications.
Investment banks: including Goldman Sachs, Morgan Stanley, Citigroup, Wells Fargo, UBS Group AG, Societe Generale, etc.
World Bank: It is used to help countries overcome poverty. Various institutions play a unique role in alleviating poverty and improving living standards.
Reference link: Bank _ Baidu Encyclopedia China UnionPay _ Baidu Encyclopedia
Which bank is good for JCB card? These three JCB cards are all good
JCB Credit Card is a Japanese card issuer. We have cooperated with dozens of domestic banks to issue a variety of credit card products, such as China Bank, China Merchants Bank and Shanghai Pudong Development Bank. Most of them take the classic cartoon image as the theme, providing cardholders with various service rights, such as enjoying the airport+high-speed rail travel rights VIP provided by JCB card organization. So, which bank is better for JCB card?
I have compiled good JCB credit cards from three banks for your reference.
1, full currency white JCB version of China Merchants Bank.
This credit card is a single dollar card and a platinum card, and there is no annual fee. During the validity period of the card, the annual fee is directly exempted, and you don't have to worry about the annual fee pressure whether you open the card or not. This kind of credit card is most suitable for spending abroad, and the conversion fee can be directly exempted. You can spend money at ease, and the most important thing is that you can repay it directly in RMB.
In terms of rights and interests, like all JCB platinum cards, you can enjoy free and unlimited VIP services at international airports and high-speed rail all year round, and enjoy some limited VIP services at overseas airports.
2. ICBC JCB Travel White
This credit card is a single-currency Japanese yen card, but the card processing mode is 1+ 1, that is, a JCB single-label card is processed, and a UnionPay standard card is issued to you to meet the consumption needs of cardholders at home and abroad. Platinum card, the annual fee is 2000 yuan, but one advantage is that it can be applied separately as an accessory card.
If you still have the Platinum Card of ICBC, you can apply through 3 136 to use it as a supplementary card. Therefore, as long as the main card can be exempted from the annual fee, the auxiliary card can be free of charge, and you can enjoy the JCB domestic airport+high-speed rail VIP service.
3. CCB Japan Tourism JCB Edition
This is a single dollar card, and the card processing mode is also 1+ 1. If you apply for JCB single standard card, you will get UnionPay standard card. Although it is a platinum card, it can be exempted from annual fee. The JCB single-label card is directly exempt from the annual fee, and the UnionPay version can be exempted from the annual fee if it is consumed or divided into 10.
Cardholders can enjoy most of the common rights and interests enjoyed by JCB Platinum Cards, such as VIP lounges of foreign JCB self-operated airports, bus and shopping discounts at Japanese airports, and preferential activities of catering/entertainment facilities cooperated by JCB in Japan.
Summary: In fact, the JCB credit cards issued by various banks do not have the problem of who is good or who is bad. After all, for cardholders, the credit card that suits them is the best, and the card should be handled according to their actual needs.
This concludes the introduction of how to handle ICBC jcb credit card and how to handle ICBC jcb credit card. I wonder if you found the information you need from it?