ICBC Easy Loan Credit Card is realized by swiping the card. Dollars (US dollars) or Hong Kong dollars (Hong Kong dollars) and euros in ICBC's dual-currency credit card can only be swiped at overseas pos machines, and some people bring overseas pos machines to China for use, and they must be equipped with visA or mastercard or AMERICAN EXPRESS system, and UnionPay system cannot swipe cards. Domestic pure foreign currency cards (international cards without UnionPay logo) and all foreign cards, including Hong Kong credit cards, should also be swiped on pos machines equipped with this system, but as long as they are issued in China, overseas machines are not needed. That is to say, a special card should be swiped on a special pos machine. Just like ICBC Easy Loan Credit Card, ICBC Easy Loan Debit Card and ICBC Easy Loan Savings Card; Bank of communications enjoys a loan. These credit cards can only be swiped by special merchants of banks. Ordinary machines can't brush. I have all these machines. In addition, many banks also offer credit cards in special currencies or multiple currencies. For example, RMB euro credit card, or multi-currency credit card. The foreign currency of this credit card is directly settled into RMB, which saves the exchange rate fee caused by intermediate conversion. Dual-currency card refers to a credit card with both RMB account and foreign currency account. Generally, the "UnionPay" logo is affixed to the upper right corner of the front of the card, and the logo of VISA, JCB or MasterCard is affixed to the lower right corner. Now, VISA or MasterCard dual-currency credit cards can be used in more than 200 countries. Dual-currency credit cards are settled in RMB in China. If you swipe your card abroad, you will automatically enter the foreign currency settlement system. Depending on the type of card, it will be converted into US dollars or euros first, and then converted into local currency when it is not spent in US dollars or euros. When they are repaid, they will be converted again and again. Because of currency conversion, it will cost 65,438. When you come back to repay, you need to change money first, and there will be a currency conversion fee. The main function of all currencies is to exempt currency conversion fees and handle the transaction needs of all currencies. No matter where you spend money, you can repay it directly in RMB after returning home, and you can also avoid the formalities of purchasing foreign exchange. In addition, banks' all-currency international cards generally give away high travel accident insurance.
The common foreign currencies of international credit cards are US dollars, including MasterCard and jcb, visa and American Express. Most foreign currencies of credit cards are converted into US dollars, but usually you can also set other currencies such as Hong Kong dollars, euros, pounds, Japanese yen, Australian dollars, Singapore dollars, Canadian dollars, Swiss francs and New Zealand dollars. However, at the time of settlement, banks will convert euros or pounds into dollars, which may cause a little cost because of the exchange rate difference. In addition, many banks also offer credit cards in special currencies or multiple currencies. For example, RMB euro credit card, or multi-currency credit card. The foreign currency of this credit card is directly settled into RMB, which saves the exchange rate fee caused by intermediate conversion. Dual-currency card refers to a credit card with both RMB account and foreign currency account. Generally, the "UnionPay" logo is affixed to the upper right corner of the front of the card, and the logo of VISA, JCB or MasterCard is affixed to the lower right corner. Now, VISA or MasterCard dual-currency credit cards can be used in more than 200 countries. Dual-currency credit cards are settled in RMB in China. If you swipe your card abroad, you will automatically enter the foreign currency settlement system. Depending on the type of card, it will be converted into US dollars or euros first, and then converted into local currency when it is not spent in US dollars or euros. When they are repaid, they will be converted again and again. Because of currency conversion, it will cost 65,438. When you come back to repay, you need to change money first, and there will be a currency conversion fee. The main function of all currencies is to exempt currency conversion fees and handle the transaction needs of all currencies. No matter where you spend money, you can repay it directly in RMB after returning home, and you can also avoid the formalities of purchasing foreign exchange. In addition, banks' all-currency international cards generally give away high travel accident insurance. ICBC swipes cards in US dollars, swipes cards in US dollars, swipes cards in US dollars, swipes cards in US dollars, swipes cards in US dollars, swipes cards in US dollars, swipes cards in Shenzhen in US dollars, swipes cards in Shenzhen in US dollars, and purchases computer appliances in euros, and then sells them to me for cash conversion to realize capital turnover.
Multi-currency card not only combines the advantages of single-currency card and dual-currency card, but also avoids their disadvantages. Moreover, at present, multi-currency cards issued by various banks are free of annual fees. The only fly in the ointment is that the all-currency card does not support the UnionPay channel for the time being. At present, the banks that international credit card organizations cooperate with China are: China Bank, Industrial and Commercial Bank of China, Agricultural Bank, China Construction Bank, Bank of Communications, China Merchants Bank and China Everbright Bank. Cards issued by members (banks) of international card-issuing organizations can be signed by the special agent of the organization. This kind of card is called an international card. As we all know, the three major international organizations VISA, MASTER and JCB. VISA has the highest market share, followed by MASTER and JCB, but JCB is very easy to use in Japan, but not necessarily in other places. Although JCB is also an international card, some online shopping does not accept JCB. Usually, international credit cards use US dollars as the settlement currency, and international credit cards can make overdraft consumption (first consumption and then repayment). The common credit card brands in the world mainly include Visa and Master Card. Major domestic commercial banks also provide international credit card services, and you can easily apply for a credit card at the bank counter. It should be noted that international credit card deposits have no interest. International Credit Card Foreign Credit Card VISA Taiwan Province Credit Card MasterCard American Express Foreign Credit Card Please go to Shenzhen Huaqiang North Easy Loan Card Set. Dollars (US dollars) or Hong Kong dollars (Hong Kong dollars) and euros in ICBC dual-currency credit cards can only be swiped at overseas pos machines, and some people bring overseas pos machines to China for use, and they must be equipped with visa, mastercard or american express systems, and UnionPay systems cannot swipe cards; Domestic pure foreign currency cards (international cards without UnionPay logo) and all foreign cards, including Hong Kong credit cards, should also be swiped on pos machines equipped with this system, but as long as they are issued in China, overseas machines are not needed. That is to say, a special card should be swiped on a special pos machine. These credit cards can only be swiped by special merchants of the bank. Ordinary machines can't brush. I have all these machines, which can meet all (any) requirements of customers! The credit card of Shenzhen Industrial and Commercial Bank purchases US dollars (US dollars), Hong Kong dollars, Euro, Industrial Bank's foreign currency card, China Merchants Bank's international card, Hong Kong credit card, Shenzhen China Construction Bank's foreign currency card, Hong Kong dollar card, and goods transportation enjoys credit consumption; the credit card of Shenzhen Industrial and Commercial Bank enjoys loan consumption; the credit card of Shenzhen Industrial and Commercial Bank cashes out; and the goods purchased by Shenzhen Industrial and Commercial Bank easily turn into cash. CITIC Bank will give you cash after the overseas credit line is swiped, and ICBC credit card will use a set of * * in US dollars (US dollars), Hong Kong dollars (Hong Kong dollars), euros, pounds, Japanese yen, Australian dollars, Singapore dollars, Canadian dollars, Swiss francs and New Zealand dollars to help you swipe a set of * * for shopping malls and supermarkets to realize capital turnover.
Editors of three major international credit card organizations
visa
Visa is a global payment technology company, connecting consumers, enterprises, financial institutions and governments in more than 200 countries and regions around the world, and promoting people to use digital currency more conveniently instead of cash or checks. Visa owns and manages the Visa brand and all payment products based on Visa brand -Visa brand cards.
At the same time, as the credit card with the highest market share in the world, Visa cards can be accepted at more than 29 million merchant trading points around the world, and cash services can be withdrawn at 6,543,800 ATMs, which is very convenient. There are more than 654.38+85 million Visa cards in circulation around the world, which proves that Visa is the most popular payment brand. Visa provides a wide range of credit and debit card products to meet various payment and daily needs.
Mastercard: MasterCard international organization, whose basic goal is to communicate the information exchange of bank cards between members at home and abroad, so as to facilitate card issuers to enter the market of bank cards and traveler's checks regardless of size and seek development.
MasterCard is a household name brand all over the world. However, thirty years ago, it was just a card in the United States. Its reputation lies in that MasterCard International has been providing cardholders with the latest and most perfect payment services in line with the belief of serving cardholders, which has been recognized by cardholders all over the world. How to choose a credit card for overseas travel can make overseas consumption more cost-effective, which is really a bit particular. Credit card experts say 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 foreign currency cards. Dual-currency cards and UnionPay cards can save money by PK: cardholders who use dual-currency credit cards abroad need to pay a one-time currency conversion fee of 65438+ 0%-2% of the total transaction amount, and bear the exchange rate risk. At present, domestic dual-currency credit cards are mostly settled in RMB and US dollars. If the cardholder's travel destination cannot be settled in US dollars or RMB, but a dual-currency credit card is used overseas, the local currency needs to be converted into US dollars for settlement. When repayment is made in RMB after returning to China, US dollars should be converted into RMB for calculation. In this way, there may be two exchange rate conversions, and there is a certain risk of exchange rate fluctuation, which may bring certain exchange rate losses to cardholders. Experts suggest that in overseas areas where RMB credit card business has been opened, it is best to choose UnionPay card. Because, through the UnionPay channel, the consumption amount will be directly converted into RMB at the exchange rate, so there will be no exchange fee. This process only involves an exchange rate exchange process, and the RMB paid is the least. UnionPay cards only have one exchange rate exchange, which can relatively reduce the exchange rate loss of cardholders. Shenzhen credit card swipes East Asian credit card dollars, Shenzhen Transportation enjoys loan consumption, Shenzhen ICBC Easy Loan Credit Card consumption, Shenzhen Industrial and Commercial Bank Easy Loan Credit Card consumption, foreign currency card consumption, international card consumption, Hong Kong credit card buys electrical appliances and sells me a set of dollars, Hong Kong dollar card consumption, international foreign currency card MasterCard; ; Visa visa; American Express cards and JCB cards in all foreign currencies, such as US dollars or Hong Kong dollars, euros, Japanese yen, Australian dollars, Korean won, Swiss francs and new Taiwan dollars.