unionpay is a domestic unionpay company, which mainly provides inter-bank settlement of bank cards among domestic banks.

VISA is a famous American credit card company with a global settlement network.

These two signs are on the credit card, which means that the issuing bank has joined these two companies and can use their settlement systems to settle domestic and foreign currencies.

unionpay is a card organization in China, while VISA and MasterCard are both card organizations in the United States.

At present, domestic bank cards belong to different bank card organizations according to the different prefix numbers. The bank cards with the prefix "4" belong to the VISA card organization, those with the prefix "5" belong to MasterCard, those with the prefix "62", "6" and "9" belong to China UnionPay, and the UnionPay cards with the prefix "62" and "6" are UnionPay standard cards that meet international standards.

unionpay is the best choice if you only spend money at home, but if you often need to spend money abroad, a VISA card is essential.

in recent years, in order to meet the needs of users, major banks have launched dual-currency cards, namely UnionPay +visa, so that users can take the UnionPay channel when spending at home and the visa channel when abroad.

Extended information:

Credit Card, also called credit card. It is a non-cash transaction payment method and a simple credit service.

a credit card is a credit certificate issued by a commercial bank or a credit card company to a qualified consumer. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

China's relevant laws ("the NPC Standing Committee on <; Criminal Law of the People's Republic of China > The credit card stipulated in the Interpretation of Credit Card Regulations refers to an electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. On December 1, 217, the Standard for English Translation and Writing in Public Services was officially implemented, stipulating that the English name of the Credit Card standard is Credit Card? .

Credit cards are generally special plastic cards with a length of 85.6mm, a width of 53.98mm and a thickness of 1mm. The name of the card issuer, expiration date, number, cardholder's name and other contents are printed on the front, and there are chips, magnetic strips and signature strips on the back. Cardholders can use their credit cards to shop, spend money and deposit and withdraw cash from banks.

there is no need to pay cash when spending with a credit card, and repayment will be made on the Billing Date.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder can spend first and then repay.

quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

Reference: Baidu Encyclopedia-Credit Card