Hello, JCB, VISA, MasterCard, and American Express are all international credit card organizations. JCB-Japan Credit Card Co., Ltd., and its special merchants are mainly concentrated in Japan.

Currently, our bank’s credit cards have two basic credit card lines, UnionPay lines and international lines (VISA, MASTERCARD, JCB or American Express, etc.). When the card is swiped on UnionPay lines, the payment will be settled directly in RMB; when the card is swiped on international lines, the payment will be settled in US dollars. Since overseas consumption by credit card will be settled in U.S. dollars, if the consumption amount is non-U.S. dollars, there will be an exchange fee between the two currencies, which is 1.5% of the transaction amount. The exchange fee is collected by our bank on behalf of international organizations. If the consumption amount is in US dollars, there will be no foreign exchange settlement fee.

The basic functions of credit cards are the same, including card consumption, online payment, etc. However, our bank will launch different discounts and promotions for different credit cards from time to time. Due to different personal preferences, we recommend that you Choose according to your own preferences. If you need to know the details of the credit cards currently launched by our bank, please log in to the credit card website/, click "Apply for Credit Card", and select the card you are interested in.