What are the international credit cards?
What types of international credit cards are there?
Visa, Mastercard, American Express, and Japan JCB are all international credit card organizations.
Currently, dual-currency credit cards issued by banks in my country usually have the logo of one of the above organizations.
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That is to say, it can be used internationally.
It can also be called an international credit card.
If you want to apply for a pure card, such as a US dollar card or an English card.
You can go to Bank of China,
They can apply for pure credit cards.
Hope this helps.
Which international credit card from which domestic bank is the best? Refers to the VISA kind.
It seems that no credit card can meet your conditions. I know that the highest currencies are only 3, and they are all for platinum customers, that is, those with a credit limit of 200,000 or more. Most banks have dual-currency credit cards, USD/rmb, China, CITIC, Minsheng, China Merchants, etc. have euros. There are relatively few in other currencies, and a few have Japanese yen. However, credit cards from foreign banks should have this type of design. You can go to Citigroup and Standard Chartered to ask. However, the transfer fee is waived~impossible! In fact, what you are talking about is just activating an automatic foreign exchange purchase and repayment, that is, depositing RMB and repaying it. There must be a handling fee, but it is not exempt. As for the visa that cannot be used for domestic purchases, it depends on whether you have UnionPay. Without UnionPay, you will definitely not be able to spend at the domestic UnionPay universal POS. However, in China, visa and UnionPay universal cards are generally used.
As for the application conditions, it is simple: provide an income certificate issued by the company and stamped with the company's financial seal or official seal. In addition, if you own a house and a car, provide proof of the RV.
Which banks can apply for VISA international credit cards
Hello! China Merchants Bank can apply for VISA international credit card.
Credit card application conditions: Applicants should be between 18 and 60 years old (25 to 60 years old for foreigners), have certain financial capabilities and have a good credit record. The result of credit card application shall be subject to actual review by our bank. Materials: Application for credit card from our bank, copy of the front and back of ID card and work certification document issued by the unit.
In addition, providing the following information will help increase your credit limit, such as: copies of China Merchants Bank’s savings account statements for the past three months; original asset balance certificates for financial accounts opened by China Merchants Bank; copies of real estate certificates (Including my name) A copy of any utility invoice for the property in the past 3 months; a copy of my car driving license.
It is recommended that you go directly to the branch to apply. You can check the addresses, savings telephone numbers and business hours of various business outlets through our website. Method: Please log in to the credit card website cc.cmbchina/, click "Service Outlets" in the upper right corner, and select the city you want to query in the drop-down box.
How to apply for an international credit card?
Welcome to apply for the Bank of China Great Wall International Card. The following application guide will give you a comprehensive introduction to the application method for the Bank of China Great Wall International Card. We hope to help solve all the problems you encounter during the application process. And help you get the BOC Great Wall International Card faster.
What types of BOC Great Wall International Cards are there?
There are many types of BOC Great Wall International Cards issued by Bank of China. You can choose the appropriate type of credit card according to your personal needs.
BOC Great Wall International Cards are divided into VISA and MasterCard by brand.
BOC Great Wall International Cards are divided into platinum cards, gold cards and ordinary cards according to their credit levels.
BOC Great Wall International Cards are divided into personal cards and business cards according to the card issuance objects.
BOC Great Wall International Card is divided into US dollar card, Hong Kong dollar card, Euro card and pound card according to settlement currency. The US dollar card is suitable for traveling to North America, the Euro card is suitable for traveling to euro areas, and the British pound card is suitable for traveling to the United Kingdom and Hong Kong dollars. The card is suitable for traveling to Hong Kong. You can choose one of them as the payment currency, and later repay in the corresponding currency or purchase foreign exchange in RMB. Bank of China Great Wall International Card cardholders can enjoy various preferential and exclusive services continuously launched by Bank of China.
Who can apply for the Great Wall International Card?
All Chinese citizens who are over 18 years old and have full capacity for civil conduct, as well as foreigners and compatriots from Hong Kong, Macao and Taiwan who have the right of residence in China, can apply for the Great Wall International Card, as well as their spouses and parents. Or children who are over 18 years old and have no financial independence can apply for supplementary cards. The maximum number of supplementary cards cannot exceed 4.
How to fill in the application form?
You can pick it up at the bank or download and print an application form to fill out.
You need to fill in the application form in block letters with a blue or black pen and sign the receipt contract. If you choose to repay by automatic transfer, you must provide the bank with your current bank account issued by Bank of China. Savings account.
Why do you need to write the application form in detail?
When filling out the application form, the bank requires you to fill in details such as: identity document, characteristic information, contact number, etc. This is to prevent risks in time if your card is stolen or used fraudulently. Protect your interests.
What else needs to be done after filling out the application form?
You must submit the application form, a copy of your and the supplementary card applicant’s ID card (or passport copy, foreigners must provide a copy of the foreigner’s residence permit in the country, and Hong Kong, Macao and Taiwan compatriots must provide a copy of the residence permit for returning home) Certificate and a copy of the local ID card) and submit it to the local Bank of China, and deposit a deposit as required by the bank. The contact person should be a person with a local household registration, ID card and work unit.
What is a credit limit?
The credit limit of BOC Great Wall International Card is the loan limit approved by the bank based on your credit standing. The credit limit can also be determined based on the amount of deposit paid by your account opening bank. The minimum credit limit for ordinary cards is USD500 and HKD4,000.
What is an international credit card?
So here is a definition of international credit card: Generally speaking, international credit card means that it supports VISA, Credit cards from the MASTERCARD network, UnionPay, American Express and other networks also have certain regional coverage and have some characteristics of international credit cards.
If you really need an international credit card with wider coverage, please choose a credit card from the VISA network. Currently, every bank in China that can issue credit cards will support credit cards from the VISA network. When applying, you You can make special instructions to bank customers and tell them that you want to apply for a VISA card.
What types of international credit cards are there?
Look below. . .
What kind of credit cards can be used abroad
Famous international credit card organizations and famous credit card companies
1. Visa (Visa)
2.MasterCard
3.DinersClub
4.AmericanExpress
5. JCB
Visa and MasterCard are international credit card organizations. They do not issue cards themselves, but are issued by banks, which are members of the agreement. All major domestic banks have basically joined these two organizations.
The credit cards of all domestic card issuers include RMB and USD dual-currency credit cards. You can freely choose credit cards issued by members of MasterCard or VISA, two major international organizations.
From a practical perspective, there is almost no difference between the two. Almost everywhere you can swipe a Visa card abroad, you can swipe a Mastercard card.
In addition, when using UnionPay network cards in Singapore, there is no need to pay currency conversion fees, and there is no need to purchase foreign exchange when returning to China to repay in RMB.
What is the difference between credit card UnionPay and visa?
UnionPay is China’s bank card organization. We can rely on UnionPay to withdraw money across domestic banks and spend money at any merchant. Some foreign countries support UnionPay withdrawals and consumption, such as Singapore, New Zealand, etc.
VISA is one of the two largest credit card organizations in the world. Its role is equivalent to UnionPay, but its scope of use covers the world. There are Visa merchants and cash machines everywhere. When we go abroad, we can usually use VISA in places where UnionPay is not available.
The difference lies in the different bank card issuing organizations. The pros and cons of using it are: there are many POS and ATMs in China that support UnionPay, and many in Europe that support VISA.
How can I use an international credit card abroad?
It is recommended that I help you recharge, credit card payment is very convenient
Which credit card is better for studying abroad
You cannot directly say which bank, such an answer will be rejected by Baidu.
Common international credit cards generally have two settlement accounts, one in RMB and one in RMB, so they are also called dual-currency credit cards. Most dual-currency card accounts are U.S. dollar accounts, and overseas transactions are mainly settled in U.S. dollars through international organizations. There is also a type of international card that is a single-currency card, which has only one account, that is, all transactions use the corresponding settlement.
Currently, Bank of China has Great Wall International Euro Card, Great Wall International Pound Card and Bank of China JCB Japanese Yen Dual Currency Card, etc. It is one of the banks with relatively more account choices. In addition to RMB-USD dual-currency cards, ICBC and China CITIC Bank also have RMB-Hong Kong dollar credit cards, among which ICBC also has Euro international cards. It's up to you.
How to use foreign credit cards in China
Credit cards processed overseas need to be used at specific shops or POS machines in China, such as VISA, MasterCard, JCB and other card issuing organizations. If you want to use your credit card to make purchases in China, you must find a POS machine that uses the channel with this logo.
Cards issued by members (banks) of international card issuing organizations can be used for payment at the organization's authorized merchants. Such cards are called international cards. The six major international credit card organizations are VISA, MasterCard, American Express, UnionPay, JCB and Diners Club. Except for UnionPay and JCB, the other four major credit cards all originated in the United States. JCB is very useful in Japan. Although JCB is also an international card, some online purchases do not accept JCB.
Usually international credit cards use US dollars as the settlement currency. When you use UnionPay cards overseas to deduct money in RMB and settle in RMB, there is no need to purchase foreign exchange for repayment. Almost all bank cards with the "UnionPay" logo that are used daily in China can be used overseas.
International credit cards can be used for overdraft consumption (consumption first and repayment later). The more common international credit card brands are Visa, MasterCard, etc. All major domestic commercial banks also offer international credit card services. You can easily apply for a credit card at the bank counter. There is no interest on deposits on international credit cards.
A RMB account and a US dollar (or Hong Kong dollar) account are opened in the card at the same time. In addition to swiping the card domestically, depositing, withdrawing cash and making inquiries at ICBC nationwide business outlets or "UnionPay" ATM machines, you can also Use or withdraw local currency at designated merchants of VISA, MasterCard or American Express cards around the world and ATMs with their logos, and enjoy the preferential exchange rates of international credit card organizations, reducing the loss and trouble of exchange.
The RMB account and the account (USD or HKD) each have their own credit lines and do not affect each other. In addition, U.S. dollar accounts can be used for shopping on foreign websites. The unique online transaction switch function of Peony International Card fully guarantees the security of your card use.
What are the international credit cards?
What are the international credit cards?
What are the international credit cards? International cards are cards issued by banks and international credit card organizations to people with good credit for overdraft consumption around the world. They are very convenient for friends traveling abroad. Now let me tell you what international credit cards are.
What are international credit cards? 1
1. What is an international credit card?
An international credit card is a type of credit card issued by banks and international credit card organizations to those with good credit. A card that can be used for overdraft consumption worldwide, and is also used to confirm the user's identity on international networks.
2. Overview of International Credit Cards
Cards issued by members (banks) of international card-issuing organizations can be used for payment at the organization's authorized merchants. Such cards are called international cards. As we all know, the three major international organizations are VISA, MASTER and JCB. Among them, VISA has the highest market share, followed by MASTER and JCB. However, JCB is very easy to use in Japan, but not necessarily in other places. Although JCB is also an international card, some online purchases do not accept JCB.
Usually international credit cards use US dollars as the settlement currency. International credit cards can be used for overdraft consumption (consumption first and repay later). The more common international credit card brands are mainly Visa, MasterCard, etc., and major domestic commercial banks They also offer international credit card services, and you can easily apply for a credit card at the bank counter. Please note that there is no interest on deposits made to international credit cards.
3. Special International Credit Card
1. ICBC Peony International Credit Card
The card can open both a RMB account and a US dollar (or Hong Kong dollar) account. In addition to the In addition to domestic card consumption, cash deposits, withdrawals and inquiries at ICBC nationwide business outlets or UnionPay ATM machines, you can also use VISA, MasterCard or American Express card designated merchants and their logos around the world. Use or withdraw local currency at ATMs, enjoy preferential exchange rates from international credit card organizations, and reduce exchange losses and troubles.
The RMB account and the account (USD or HKD) each have their own credit lines and do not affect each other. In addition, U.S. dollar accounts can be used for shopping on foreign websites. The unique online transaction switch function of Peony International Card fully guarantees the security of your card use.
2. Agricultural Bank of China Golden Harvest Credit Card Dual Currency Card
The dual-currency credit cards issued by Agricultural Bank of China are Visa and MasterCard, and the other special cards are Golden Harvest Platinum Card, Golden Harvest International Travel Card, MasterCard HNA Co-branded Card, etc. The dual-currency card has two accounts in RMB and US dollars, and both accounts share one credit limit. For overseas non-UnionPay POS purchases and overseas ATM cash withdrawals, US dollar accounts are used. There is no handling fee for consumption, and a handling fee of 3% of the transaction amount (minimum USD 3) is charged for cash withdrawals. If the local currency is non-USD, an international settlement fee will be charged, which is 1% of the transaction amount for Visa and 1.1% of the transaction amount for MasterCard.
3. BOC Great Wall International Card
A chip (EMV) credit card that complies with international standards. There are US dollar cards, Hong Kong dollar cards, euro cards and pound cards to choose from. You can make purchases at more than 29 million VISA or MasterCard merchants in 256 countries and regions around the world. You can also withdraw cash at member banks. You can also withdraw money at ATMs marked "PLUS" or "CIRRUS" around the world. In addition, relevant fees can also be paid online.
4. Bank of China Great Wall International Zhuojun Card
A credit card specially designed for people studying abroad. Its products, services and discounts fully cater to the needs of overseas students. Zhuojun Card has Euro Card and Pound Card to choose from. Parents can use a variety of repayment methods to pay for their children’s living expenses while studying abroad.
5. China Merchants Bank dual-currency international credit card
China Merchants Bank has many types of dual-currency international credit cards, among which aviation credit cards have cooperation with many airlines. For example, China Merchants Bank and All Nippon Airways launched the first credit card co-branded by a foreign airline in China - ANACard. Miles can be accumulated by swiping the card for consumption; if you use the card to pay the full air ticket or 80% of the tour group fee, you can receive aviation accident insurance up to 2 million yuan.
6. CITIC Dual Currency Credit Card
CITIC Dual Currency Credit Card (RMB and USD, RMB and HKD) can be used for spending at more than 27 million VISA-marked merchants around the world. Withdraw cash 24 hours a day from more than 700,000 ATMs around the world. CITIC Credit Card also provides aviation accident insurance of up to 15 million yuan, and the "400" Mandarin global customer service hotline provides 24-hour free service.
7. Dual-currency credit cards in the China Construction Bank Business Travel Series
Many credit cards in the China Construction Bank Business Travel Series, including China Eastern Airlines Dragon Card, Shenzhen Airlines Dragon Card, and Mango Travel Dragon Card, are dual-currency credit cards. For example, China Eastern Airlines Dragon Card is an airline co-branded credit card jointly issued by China Construction Bank and China Eastern Airlines. This card combines the Dragon Card dual-currency credit card and the Eastern Miles membership card. In addition to accumulating Eastern Miles points, you can also receive high-value aviation accident insurance. If your domestic flight with China Eastern Airlines is delayed for more than 4 hours, you can also receive Complimentary flight delay insurance and baggage delay insurance.
8. Bank of Communications Dual Currency Credit Card
It adopts the form of main card and supplementary card and can be used globally. There is no handling fee for consumption and the longest interest-free period is 56 days. When abroad Emergency cash withdrawals are also available.
Your child's consumption bills will be sent to you on time every month. You can also activate the bank letter service, and the details of each of your children's consumption will be sent to your mobile phone in the form of text messages as soon as possible. If your credit card is lost, you should immediately call 86-4008009888 to report the overseas emergency loss to avoid losses.
IV. Notes
1. Adjust the credit card limit
Usually, the credit card limit given by the bank is relatively large. For example, my credit card limit is close to two Ten thousand yuan, usually such a credit limit cannot be used, and if the credit card is lost, it will cause a lot of unnecessary losses, so individuals can manually adjust the credit card limit, such as the credit card limit in the professional version of China Merchants Bank Online Banking Set a limit during the adjustment, so that the consumption limit of the credit card is limited to this limit, and the risk is much smaller. When more limits are needed, you can manually modify it back.
2. Turn off the ATM withdrawal function of your credit card
Using a credit card to withdraw money from an ATM is basically useless, and the interest rate is astonishingly high. Once the credit card is stolen, it will bring more risks. , so it is recommended to turn off the withdrawal function of your credit card.
6. Which is more secure, signature or password?
Using signatures as credit card consumption vouchers is the mainstream in the international banking industry. From a security perspective, this kind of credit card does not require a password and can be consumed with just a signature, especially through online banking. As long as you know the cardholder's name, credit card expiration date and query password, it may be stolen. Therefore, many domestic cardholders believe that passwords are more secure than signatures. However, using passwords also has some disadvantages, that is, the responsibility for keeping the password is transferred to the cardholder, which means "you are responsible for the loss". Once a credit card is used fraudulently, the rights and interests of cardholders who use signatures can often be better Good protection and compensation.
What are the international credit cards 2
1. Visa card (VISA)
VISA card is also translated as Visa, Weixin, Huicai Card, and Visa. Visa card is a credit card brand. In 1959, Bank of America began to issue Bank of America cards in California, USA. Visa cards began to be issued in 1976. In 1977, "VISA" was officially used as the organization's logo, called Visa International Organization. VISA card is a credit card issued by Visa International in late 1982. It can be accepted at more than 29 million merchant transaction points around the world, and can withdraw cash at 1.8 million ATMs, providing endless convenience.
2. MasterCard
MasterCard International created an internationally accepted credit card system from the late 1950s to the early 1960s, which soon became popular around the world. In 1966, an organization (Interbank Card Association) was formed. In 1969, the Interbank Card Association purchased the patent rights of MasterCharge and unified the credit card names and style designs of various card issuers. In the following ten years, the original name of MasterCharge was changed to MasterCard.
3. American Express Card (American Express)
Since the first American Express card was issued in 1958, American Express has issued American Express cards in 68 countries and regions in 49 currencies so far. , has built the world's largest self-contained special merchant network and has a high-quality cardholder group of more than 60 million. American Express was founded in 1850. Its initial business was to provide express delivery services. With the continuous development of its business, American Express took the lead in launching travellers' checks in 1891, mainly for high-end customers who travel frequently. It can be said that American Express has a history of serving high-end customers for a hundred years, and has accumulated rich service experience and a large group of high-quality customers. There are also Peony Express Cards, China Merchants Express Cards, CITIC American Express Cards, Great Wall American Express Cards, and Minsheng Express Cards.
4. Diners Club
Diners Club was founded by entrepreneur Frank MCMamaca in 1950. It was the first plastic payment card and eventually developed into an internationally accepted card. credit card. In 1981 Citigroup, the holding company of Citibank, the largest retail bank in the United States, accepted the Diners Club International card.
Diners Club's main advantage is that it increases its sales in untapped territories and builds on the strong position the company maintains in the credit card market. The company has strengthened its position in the international market through a reciprocal agreement between Diners Club's cash exchange network and its ATM network.
Industrial and Commercial Bank of China (ICBC) introduced mainland China’s first Diners Club brand RMB/USD dual-currency card.
5. JCB (JapanCreditBureau)
JCB card is an international credit card commonly used in the world. It is a credit card jointly issued by Japan's Sanwa Bank, Nippon Shinto Bank, Mitsui Bank, Kyowa Bank, and Daiwa Bank in 1961. This credit card (2013) has been issued and circulated in 190 countries and regions around the world. It is one of the top five international credit card brands and the only international credit card brand originating from Asia.
JCB pays special attention to countries and regions such as China and South Korea. In China, 9 banks have issued JCB credit cards, including Bank of China, Bank of Shanghai, China Everbright Bank, China Minsheng Bank, China Merchants Bank, Shanghai The number of cardholders of Pudong Development Bank, Ping An Bank, China Construction Bank and Industrial and Commercial Bank of China has exceeded 5 million.
What kind of credit card should I apply for abroad?
1. Apply for a credit card abroad. It is actually possible to use a domestic UnionPay credit card to spend money abroad, but the main foreign card organizations are Visa and MasterCard. , so most merchants do not have the conditions to use UnionPay cards.
2. In fact, in order to facilitate cardholders to spend abroad, all major domestic banks have launched a kind of credit card: full-currency credit card. With a full-currency credit card, you can make purchases at any merchant abroad. After the consumption is completed, it will be automatically converted into RMB. You only need to repay according to the RMB bill, which saves cardholders a lot of trouble.
3. It is recommended to use Bank of China’s all-currency international chip card - Bank of China EMV Gold Card, which is free of annual fees for life. No matter when, where and in which currency, when you use the card to make overseas purchases or withdraw cash, the currency exchange fee for cross-border transactions will be reduced or reduced, with a discount of 1.5% of the transaction amount.
4. After turning on the global transaction RMB accounting function, all transactions will automatically purchase foreign exchange and record it in RMB. You only need to repay the bill in RMB. If you turn off this function, you need to manually purchase foreign exchange and repay. .