What is visa credit card
1. Visa credit card is one of the international credit cards. It is a credit card jointly issued by banks and visa international organizations.
2. As long as the credit card you hold is printed with the Visa logo, you can use the card to make purchases at merchants that cooperate with Visa worldwide. In fact, just like all domestic bank cards have the UnionPay logo, UnionPay only covers domestic markets.
3. Credit cards with the visa logo can implement dual currencies on one card. The dual currencies include RMB and US dollars. Various products and services will also be provided to members. The VISA global electronic payment network system is committed to providing members with Cardholders provide safer, faster and more convenient payment methods.
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What services does Bank of China’s visa credit card have?
The Bank of China dual-label card can be passed For purchases at UnionPay and card organization POS machines, in addition to financial functions such as consumption and cash withdrawal, you can enjoy the rights provided by the VISA organization. You can call the customer service hotline for further consultation.
The above content is for your reference, please refer to actual business regulations.
If you have any questions, please feel free to consult Bank of China’s online customer service.
You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.
What does credit card visa mean?
Visa credit card is a credit card jointly issued by banks and visa international organizations. As long as the credit card you hold has the Visa logo printed on it, you can make purchases with the card at merchants that cooperate with Visa worldwide.
In fact, just like all domestic bank cards have the UnionPay logo, UnionPay only covers domestic markets.
Credit cards with the visa logo can implement dual currencies on one card, including RMB and US dollars.
Visa global electronic payment network will also provide members with various products and services. The system is committed to providing cardholders with safer, faster and more convenient payment methods.
A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.
Main features
1. Credit card is one of the fastest growing financial services today. It is an electronic currency that can replace traditional cash circulation within a certain range;< /p>
2. Credit cards have both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;
3. Credit cards are high-tech products that integrate financial services and computer technology.
4. Credit cards can reduce the use of cash;
5. Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;
6. Credit cards It can simplify the collection procedures and save social labor;
7. Credit cards can promote product sales and ++social needs.
Financial Management Strategy
1. Control the number of credit cards and only have enough.
Once there are too many credit cards, it is easy to make mistakes or forget the repayment date of the card. Issues such as the credit limit of that card are difficult to manage and can easily lead to late repayments and leave a bad record. Moreover, if you swipe multiple cards to earn points, the points will be too scattered, which is not conducive to redeeming gifts. Therefore, it is recommended that only 1 to 2 credit cards are enough.
2. Keep the credit card receipts
Most credit card holders do not care about the receipts and will not keep them. Most of them throw them away. This is a very bad habit. In fact, retaining credit card vouchers not only facilitates the monthly summary of consumption records to analyze and optimize consumption habits, but also helps improve the rationality and transparency of credit card consumption, so that the card can be swiped clearly. Moreover, many people do not set passwords on their credit cards, and carelessly discarding the credit card credentials may lead to credit card theft.
For security reasons, it is best to keep the credit card receipt after swiping the card to make yourself aware of it and develop good credit card financial management habits.
3. Reduce cash withdrawals
Credit cards have two functions: overdraft and cash withdrawal, but cash withdrawals require a certain percentage of handling fees, and even if you deposit your own money into it, you will be charged. Therefore, it is not cost-effective to use +++++ or use it as a passbook.
4. Choose the right credit card
The choice of credit card is very important. Nowadays, many commercial institutions have bundled cooperation with banks. For example, you can apply for a joint credit card between a department store and the corresponding bank. With a credit card, you can spend points here as a member and get discounts; or some cards can provide discounts at designated merchants, including dining, movies, towing services, etc. There are various categories, and you can choose freely according to your own needs. Credit cards should be used wisely and chosen wisely.
What is a visa card? Debit card or overdraft card?
VISA is an international organization for credit cards. In layman's terms, it is equivalent to a brand. It is the same as MASTERCARD, JCB, etc. The logo on the credit card is the difference between the logos. It may vary depending on the region where you are. There are some differences in usage. For example, some people think that VISA may be easier to use in Europe, while MASTERCARD may be easier to use in Europe. This is a difference in the organization's local network. In China, there is no obvious difference, because in China, we all use the UnionPay network.
VISA is like China’s UnionPay, and VISA International is currently the largest international credit card organization in the world. It is a non-profit international organization participated by banks around the world. Its members are composed of banks and other financial institutions, establishing a global payment and financial services network.
If you want to apply, you first need to be over 18 years old. The ID card can be an ID card, a military officer's ID card, a police officer ID card, a Mainland Travel Permit for Hong Kong and Macao Residents, a Mainland Travel Permit for Taiwan residents, or a passport. You can apply for an international credit card.
Main Types
_Credit Cards - Visa provides its financial institution customers with a rich credit card product platform that can meet various payment needs from new credit card customers to high-end consumers, as well as large institutions. Visa's credit card platform also provides value-added services such as a personalized points return system, emergency replacement cards, travel assistance and car rental insurance, which can help card issuers increase customer loyalty and usage.
_Debit card - Visa provides a wide range of consumer debit card products for consumer segments in different regions and consumption levels. Visa debit cards allow consumers to use electronic payments to control funds in their own accounts, which is more convenient, safer and more flexible than cash and check payments. Visa's debit cards are divided into four major brands - Visa, VisaElectron, Interlink and PLUS.
_Prepaid cards - Visa also offers a wide range of prepaid card products, allowing financial institutions to provide consumers with rechargeable prepaid card products. Targeting consumers who have not yet opened a bank account, Visa prepaid card solutions are a safer and more convenient option than cash and checks.
Governments and enterprises use Visa prepaid card products to issue medical insurance funds, medical subsidies, unemployment benefits, employee wages and other welfare benefits. Visa also offers prepaid gift cards that can be used at any merchant that accepts Visa debit products. Prepaid products better meet the needs of global travelers and provide them with the unique convenience and security of electronic payments without the hassle of cash and checks.
Reference: Baidu Encyclopedia entry VISA
What types of Visa cards are there? What's the use?
1. Credit Card
Visa provides its financial institution customers with a rich credit card product platform that can meet the various payment needs of new credit card customers, high-end consumers, and large institutions. Visa's credit card platform also provides value-added services such as a personalized points return system, emergency replacement cards, travel assistance and car rental insurance, which can help card issuers increase customer loyalty and usage.
2. Debit Card
sa provides a wide range of consumer debit card products for consumer segmentation groups in different regions and consumption levels. Visa debit cards allow consumers to use electronic payments to control funds in their own accounts, which is more convenient, safer and more flexible than cash and check payments.
Visa's debit cards are divided into four major brands - Visa, VisaElectron, Interlink and PLUS.
3. Prepaid cards
Visa also provides a wide variety of prepaid card products, allowing financial institutions to provide consumers with rechargeable prepaid card products. Targeting consumers who have not yet opened a bank account, Visa prepaid card solutions are a safer and more convenient option than cash and checks. Governments and companies use Visa prepaid card products to distribute medical insurance funds, medical subsidies, unemployment benefits, employee wages and other welfare benefits. Visa also offers prepaid gift cards that can be used at any merchant that accepts Visa debit products. Prepaid products better meet the needs of global travelers and provide them with the unique convenience and security of electronic payments without the hassle of cash and checks.
For small businesses - Visa Business Credit Card, Visa Business Debit Card and Visa Series Business Credit Cards;
For large and medium-sized enterprises and government agencies - Visa Corporate Card, Visa Procurement cards, Visa Business Cards, Visa Conference Cards, Visa Fleet Cards, Visa Distribution Cards, and B2B and supply chain management products and services.
In addition to these platforms, Visa can also provide specially customized solutions in different markets to meet the special requirements of enterprises and government agencies of all sizes.
1. Visa card
The most popular Visa card in the world, enjoys convenient, safe and reliable payment services.
Whether it is daily shopping, hotel booking, or online bookstore shopping, Visa cards are the most recognized and accepted by merchants, and are equally popular online and in the real world.
2. Visa Gold Card
Whether you are a new customer with a good credit record or an old customer who has always supported Visa cards, please upgrade to Visa Gold Card immediately to enjoy superior services. The gold standard.
As long as you hold a Visa gold card, you can enjoy a credit limit generally exceeding US$5,000, a revolving credit limit, emergency replacement of new card services and travel cash payment services. In addition, Visa Gold Card holders can enjoy travel accident insurance, medical and legal service introduction and assistance, and 24-hour toll-free telephone support from the Visa Global Emergency Service Center.
3. Visa Platinum Card
The Visa Platinum Card provides an extremely high credit limit, tailor-made travel reception services and entertainment projects, US$500,000 travel accident insurance, and a series of Attractive and exclusive offers.
4. Visa Infinite Card
The Visa Infinite Card transcends the boundaries of ordinary payments and provides credit limits that are hard to find elsewhere, unimaginable convenience, tailor-made offers, and unparalleled Services, only a few invited people can enjoy the unique status of Visa Infinite Card.
5. Visa Debit Card
Visa Debit Card can pay directly from the bank account, and the payment record will be detailed in the bank statement, making financial management easier and more convenient .
Whether it is daily shopping, restaurant dining, car refueling, or travel shopping, you can use Visa debit card to pay, making everything easier. You can also use your Visa debit card to withdraw cash from ATMs around the world. Visa debit cards make shopping faster, more convenient and more secure, and are accepted by tens of millions of merchants around the world.
6. VisaWave card
As long as you bring the VisaWave card close to the card reader, you can complete the payment. The process is faster, simpler and safer.
7. VisaMobile
VisaMobile integrates all the benefits provided by Visa cards into your mobile phone. You can purchase or download coupons, games, music, theater tickets, etc. over the phone.
8. Visa Prepaid Card
A payment option other than cash or check, convenient and safe. Visa Prepaid Card provides an easy, convenient and safe way to pay anytime, anywhere, with peace of mind. VisaTravelMoney is a travel prepaid card that can travel to more than 1.8 million ATMs in more than 200 countries or regions around the world 24 hours a day, and you can withdraw local currency for travel expenses at will.
That’s it for the introduction to the use of visa credit cards.