Currently, all bank cards issued in China with the V ISA or MasterCard logo have the UnionPay logo, but only those starting with 62 or 60 are true UnionPay standard cards, and those starting with 4 It is a V ISA card, and the one starting with 5 is MasterCard.

UnionPay payment is settled on the same day, that is, the local currency is directly converted into RMB, and the fee amount is deducted from the account. Credit cards are different. When paying overseas, the system will first record the amount owed in U.S. dollars. After the consumer returns home and receives the consumption bill, the payment will be repaid by purchasing foreign exchange. The exchange rate is determined based on the day of repayment. .

UnionPay stated that whether it is a credit card or an ordinary debit card, as long as it has the UnionPay logo, you can use the UnionPay route for overseas purchases. However, when making purchases with a credit card, if you want to choose the UnionPay route, you must contact the merchant. It is suggested that in order to avoid this trouble, it is best to choose a standard UnionPay card.

So, check your card clearly. You must ask the bank's regulations for your credit card in advance. You must read it clearly when signing the card.