What kind of credit cards can be used abroad?

yes. Bank of China has many credit card products of different grades of card organizations, and the card issuing mode is not completely consistent with the channels of use. Generally, double-label cards can be consumed through UnionPay and POS machines of card organizations. Credit cards with UnionPay logo can only be used on overseas machines with UnionPay logo.

the above contents are for your reference. please refer to the actual business regulations.

what kind of China bank credit card is better for overseas students?

International students are advised to bring 1-2 Zhang Zhongxing credit cards (not exceeding the equivalent of 1, US dollars) when leaving the country for the first time.

It is recommended that you apply for the Great Wall Zhuojuan series credit card of Bank of China for studying abroad, which provides products in four currencies, including USD, GBP, AUD and EUR. It is recommended that you choose according to your study destination. At the same time, Bank of China Great Wall Zhuojuan study abroad series credit card is EMV standard chip card, and overseas payment is more secure.

There are differences in merchant coverage of different card organizations in different regions. Therefore, it is recommended to bring cards of two different card organizations abroad, and it is recommended to bring a UnionPay brand card and a card of a foreign card organization (such as Visa and MasterCard).

due to the different standards of overseas POS acceptance terminals, there will be differences in overseas card operation, which are mainly divided into not supporting passwords, supporting six-digit passwords and supporting four-digit passwords. If the card is locked after 6 consecutive incorrect password entries, you need to call the Bank of China Credit Card Customer Service Hotline 46695566 to unlock it. In order to avoid being temporarily unavailable outside the country, it is recommended to have an extra card.

the above contents are for your reference. please refer to the actual business regulations.

What is the best bank card to bring abroad

It is generally recommended that you bring VISA and Master credit cards abroad. Although UnionPay cards can also be paid overseas, the payment scenarios are more limited. Many merchants can't use UnionPay cards, but only support VISA and Master credit cards, so it is best to bring VISA and Master credit cards abroad.

Visa card

visa card is the most convenient and can be used all over the world, but the application procedure is complicated and it takes a long time. If you have your own visa card, you can take it with you to avoid the trouble of finding a special ATM.

MasterCard

MasterCard is also an internationally accepted credit card, which is similar to visa. Almost all places in Japan where you can spend and withdraw money by credit card have visa and MasterCard logo, but visa is more widely distributed and used by more people. MasterCard is also a good choice for international students, but similarly, its procedures are complicated and the time interval is long.

JCB

JCB is also an international credit card, which is jointly issued by the three major banks in Japan, so it will be very convenient for you to choose to bring a JCB credit card if you study in Japan. At present, most of the domestic JCB dual-currency cards are RMB-USD dual-currency cards, and only the Bank of China is RMB-JPY dual-currency cards, but because they are also credit cards, materials and time are definitely needed.

unionpay card

This card is the most common one in China. It is quick to handle and the materials are simple. However, its use in Japan is limited, and it can only be used in certain shops and banks. visa card is the best. MasterCard can also withdraw money and pay directly in many places. UnionPay card has some restrictions and cannot be used everywhere. For example, Japan's post office and Mitsubishi Bank can withdraw money, and the handling fee is very cheap.

from January 1, 216, the cumulative cash withdrawal from overseas for each UnionPay RMB card in China shall not exceed the equivalent of RMB 1, per card. During the period from October 1 to December 31, 215, the cumulative amount of each card shall not exceed the equivalent of RMB 5,.

due to credit limit and other reasons, the issuing bank may set a separate limit. please consult the issuing bank for details. Overseas countries and regions have different restrictions on the amount of ATM single withdrawal, which is subject to the local machine tips.

ICBC and CCB charge a handling fee of 1% of the cash withdrawal amount for overseas ATM withdrawals of UnionPay cards, and ICBC stipulates a minimum 14 yuan and a maximum of 112 yuan. China Merchants Bank Card will charge a handling fee of .5% of each sum for withdrawing money overseas through the ATM of UnionPay system, with the minimum 1 yuan for each sum.

is it better to use VISA or MASTER to use a credit card when going abroad?

What's your destination? If it is America, Japan, South Korea and Australia, it is more convenient to use V card. It is convenient to go to Europe or Southeast Asia with M card.

reason:

1. VISA and MASTERCARD are two major credit card organizations in the world, and there is no such thing as who is good or who is bad, depending on your personal preference. Generally speaking, visa is used more in the United States, and master is used more in Europe.

2. Because VISA accepts more merchants and terminals than those that support MC. Generally, the fee standard of VISA card will be lower.

: Visa global electronic payment network-－VisaNet－-is the most extensive, powerful and advanced consumer payment processing system in the world, constantly fulfilling the promise of making your VISA cartoon line global. At present, more than 2 million merchants worldwide accept Visa cards, and there are more than 84, ATMs all over the world. Therefore, Visa's global network allows you to use your Visa card conveniently no matter where you are.

mastercard international is a non-profit association that includes financial institutions all over the world. Its members include commercial banks, savings and loan associations and credit cooperatives. Its basic goal remains unchanged: to communicate the information exchange of bank cards between domestic and foreign members, and to facilitate issuers, regardless of their size, to enter the bank card and traveler's checks market and seek development.

At present, there is not much difference in domestic use. There will be more VISA in North America, Japan, South Korea and Australia, and MC is mainly popular in Europe and Southeast Asia. The main reason is that VISA accepts more merchants and terminals than MC. Generally, the fee standard of VISA card will be lower.

what credit card is better for traveling abroad?

what credit card is better for traveling abroad?

How to choose a credit card for traveling abroad can make consumption abroad more cost-effective. It's really a bit particular. Credit card experts said that there is not much difference in choosing which bank's credit card to use. The most important thing is to distinguish between dual-currency cards and cards.

dual-currency cards and unionpay cards save money. PK cardholders have to pay a one-time currency conversion fee of 1%-2% of the total transaction amount when using dual-currency credit cards abroad, and at the same time bear the exchange rate risk.

feel it with your card. General credit cards are divided into simple UnionPay cards, UnionPay VISA/MASTER/JCB (including full currency cards. ) I have three cards, a simple UnionPay card, a UnionPay JCB card and a full currency card. I feel that they can complement each other, and of course it depends on which country you go to play more.

in general, the credit card swiping process is to ask the merchants whether they support UnionPay cards, and UnionPay is the first choice. When checking out, tell the cashier that there is a UnionPay channel to take. If you swipe your card on the UnionPay line, it will be settled directly in RMB; If you swipe your card on an international line, in this case, the master line, it will be settled in US dollars. Since the overseas consumption of credit cards 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, and the exchange fee will be charged by the bank on behalf of international organizations. If the consumption amount is USD, there will be no settlement fee. If you use a full-currency credit card, you can spend it anywhere in the world, and the currency exchange fee is zero. The function of purchasing foreign exchange will be automatically activated, and you can purchase foreign exchange in RMB for repayment.

this involves where to go and what card to use. For example, when I went to South Korea, many merchants supported UnionPay, so it is no problem for me to take a separate UnionPay card directly. Another important reason is that UnionPay channel has many local discounts in Korea (many Asian countries do)! There are some exclusive discounts for UnionPay cards in China! As for this JCB card, it was done for the sake of beauty at that time. It is completely equivalent to VISA and master, that is, it is a dual-currency card. It is absolutely no problem to spend money in the United States or the US dollar, that is, it is equivalent to the master in your hand. Non-US dollars and not supporting UnionPay areas will have to consider the handling fee. As for all-currency cards, it is true that banks such as Bank of China, Industrial and Commercial Bank of China, China Merchants Bank and China Construction Bank all have them now. In fact, the operation mode of such cards in various banks should be similar, as described above. So let's see which one is more convenient. I have the full currency card of CCB in my hand. It's quite convenient to use and I haven't received any notice of currency conversion fee. I have tried it in Korea, Vietnam, Thailand and Taiwan Province, and there is no pressure in the whole process. If you go out to play frequently, you can actually consider getting a full-currency card.

I hope the above information is helpful to you ~