Well, the card organizations they belong to are different. The card brand starting with 62 is the card brand of China UnionPay, and the card brand starting with 45 is VISA. Due to historical reasons, bank cards used in mainland China require The brand must be authorized by China UnionPay (except for special foreign card acquirers). Therefore, if bank cards from other card organizations want to be used in mainland China, they must add the China UnionPay logo on the card. This is the so-called dual logo. Card, your card starting with 4 must also have a UnionPay logo. No matter which card organization issues the card, there is no difference when using it in mainland China. If it is used abroad, there will be more merchants accepting VISA cards at this stage. Cards starting with 62 may not be accepted by some merchants, but if you go abroad When using cards from foreign non-US dollar countries, using a card starting with 62 will save 1-2 currency conversion fees than using a card starting with 4.