1. Different card numbers:

The card numbers of UnionPay credit cards all start with 62, while the card numbers of visa credit cards are not uniform, depending on different issuing banks.

2. Different credit card lines:

At present, only the UnionPay pos system has been laid in China. Therefore, when credit cards are swiped in China, it makes no difference that all credit cards take the UnionPay channel. When spending credit cards abroad, UnionPay credit cards take the UnionPay channel;

the visa credit card can be selected, either through the unionpay channel or through the visa channel. however, the cardholder is advised to use the unionpay channel as much as possible because it can avoid the currency conversion fee and the exchange rate loss is relatively small.

visa credit card processing conditions are: anyone with full capacity for civil conduct; Individuals whose work units are located in the card issuing institution and have stable income can apply for visa cards at any business outlets of local banks. The applicant may apply for no more than 2 supplementary cards for his spouse or relatives with full capacity for civil conduct.

materials: prepare the identity card of the supplementary card holder, and fill in the information required for the supplementary card on the application form to apply.

Extended information:

Credit card application:

1. In most cases, citizens who have full capacity for civil conduct (citizens aged 18 or above in Chinese mainland) and have a certain direct financial source can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

2. The object of applying for a credit card can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China.

each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

3. Generally, the application method is to fill in a credit card application form. The contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant.

and submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate. The application form is accompanied by a contract for using a credit card. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, the privacy protection policy of the issuing bank, etc., and must have the applicant's autograph.

Baidu encyclopedia -VISA card

Baidu encyclopedia-credit card