First of all, the credit card itself is not regional. However, the credit card audit is written by banks that collect application forms from various places and audit them from various places. For example, ICBC has peony card centers all over the country. China Merchants Bank has similar institutions all over the country, and the card centers of all banks can only be different, so I won't talk about it here.
Secondly, you said in your question that you can't repay with a debit card in Shanghai, not because the credit card is regional, but because you have to use the debit card where your credit card is opened. But if you are in Shanghai, you can repay directly with cash at the branch without using a debit card, and see which bank dares to do so.
Third, the reason why you said that you applied for the same card twice in Nanjing and Shanghai respectively is that the information communication of card centers in different places was not timely. However, even if you apply for 1 identical cards in 1 cities at the same time, the cards will be sent to you in case of bank operation error, but the total amount of your account in UnionPay is fixed. 1 cards are also * * with one account. If you take two cards of the same kind from your peers, they will generally advise you to cancel one.
So, the credit card itself is not regional, and the institution of the bank is regional. Also, finally, to explain, your repayment is not regional, but the debit card is regional ~ ~
Finally, I wish you a happy use of the card. I am from Huaxia Bank Card Center, and welcome to apply for our card ~ ~ haha
Question 2. Can a local person apply for a foreign credit card? Hello, you need to apply for CITIC Credit Card in a city with CITIC Bank. After the credit card is processed, there is no geographical restriction on spending and using it.
after spending by credit card, you only need to pay back on time.
Credit card repayment can be made through online bank transfer, payment through third-party merchants such as Taobao, and credit card repayment through Lacarra.
question 3: are there any regional credit cards? Hello, China Merchants Bank's credit cards are issued by Shanghai Credit Card Center. You can fill in the name of any branch of our bank as the bank of deposit. If there is a China Merchants Bank in the local area, you can fill in the name of the local branch. For example, if you transfer money from Beijing to a credit card, you can write "Business Department of China Merchants Bank Beijing Branch" as the account opening bank of the credit card. If you send money to a credit card from a place where there is no China Merchants Bank, you can write "Business Department of China Merchants Bank Shanghai Branch" or any other branch name.
if you have any questions about other credit cards, you can add QQ Corporate Customer Service (4825555) or WeChat (China Merchants Bank Credit Card Center) for consultation. Thank you for your concern and support for China Merchants Bank!
Question 4: Is the credit card of China Merchants Bank divided into regions? Hello
Where the credit card is not divided into regions, it is universal
There is no cross-regional charge.
Please accept
Thank you
Question 5: Is the credit card divided into regions not only universal, but also universal if you have a dual-currency card. So credit cards are part of the area.
question 6: are there any regional differences in credit cards? 1. cardholders are not charged a handling fee for spending credit cards, but individual businesses will require credit card users to bear a handling fee of 1%~2%, because banks will charge merchants' handling fees. Such businesses are generally small in scale, and I personally don't tend to spend money with them (not only the cost, but also the risk of subsequent protection);
2. In case of cash withdrawal, the cardholder's handling fee will be charged, and the part of cash withdrawal will be charged with interest (five ten thousandths of daily interest). As for the handling fee for cash withdrawal, you need to consult all the banks that hold your card, because different banks have different regulations in this regard;
3. Generally speaking, there is no geographical difference in credit cards, because they are reviewed and issued by the head office of all banks
But some banks will issue regional cards, such as the Great Wall Credit Card of China Bank, which is issued by the provincial branches of Bank of China.
the great wall card will distinguish between local and remote places, and the local cash withdrawal will be free of charge (interest will still be charged); 1 yuan/transaction (current tariff standard) is withdrawn from ATM in different places, and the interest is calculated separately (five ten thousandths of daily interest).
4. Generally speaking, it is not recommended for the landlord to use a credit card to withdraw cash, because even if you don't charge your withdrawal fee, interest will still be paid, and there is no interest-free repayment period.
unless it's remittance operation, if it doesn't generate interest on arrears, it's still possible to consider
_ I use this method to avoid remittance fee
Question 7: Are credit cards divided into different regions? Is there a handling fee for withdrawing cash? Credit card withdrawal fees of some banks:
bank fee interest
five thousandths of CCB, the lowest in 2 yuan, and the highest in 5 yuan
1% in China Bank,
the lowest fee for A T M of Bank of China is 8 yuan,
the counter withdrawal fee is 1 yuan.
the A TM withdrawal fee of other banks is set at five ten thousandths in 2 yuan
1% in China Everbright Bank, 2. 5% in China Guangfa Bank, 3% in China Merchants Bank, and 3% in yuan, 5% in other places, and 1% in 1 yuan. The maximum is 5/1 in yuan
1% in Agricultural Bank, and 5/1 in 1 yuan
If you deposit money in your credit card every day, you still have to charge a handling fee when you withdraw money from other places, but you don't charge interest.
question 8: can credit cards be used in different places for a long time? 1. Credit cards are different from savings cards. They are used the same all over the country, and there is no inconvenience such as consumption, repayment and cash withdrawal. A handling fee of 1% will be charged for withdrawing cash from savings cards in different places, and a handling fee of .5-1% will be charged for repayment. Credit cards are not restricted by geography.
2. Credit card swiping in different places is the same as savings card, and there is no handling fee as long as it is swiped.
credit card repayment, no matter which bank of China Merchants Bank you repay (take the card to save money), there is no handling fee.
There is a charge for withdrawing cash by credit card, accounting for 1%. At present, the minimum handling fee for withdrawing cash by China Merchants Bank is 1 yuan.
you can change the billing address.
there are still things you don't understand, so you can add them.
yes, even a dollar or even a few cents can be counted once. Now all bank cards are like this, as long as you swipe Sichuan several times, you can avoid the annual fee.
question 9: should credit card use be divided into regions? Hello, there are no geographical restrictions on the use of credit cards.
If you hold our credit card with the logo of VISA, MASTERCARD, JCB or American Express, you can use it overseas (including Hong Kong, Macao and Taiwan) (including online payment). Credit card overseas consumption through international routes will be settled in US dollars. If the consumption amount is not US dollars, there will be an exchange fee between the two currencies, which is 1.5% of the transaction amount. If the consumption amount is USD, there will be no settlement fee.
If you have any questions about other CMB credit cards, please search for "4825555" in QQ corporate friends and add "China Merchants Bank Credit Card Center" as your friend. Or search for the number "cmb4825555" on WeChat and pay attention to China Merchants Bank Credit Card Center for consultation. Thank you for your attention and support to China Merchants Bank!
question 1: how to divide ICBC's credit cards by region and city?
you can call 95588 or swipe your card at the counter.