Visa Financial Card[edit]

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Visa Debit is a debit card, also known as a debit card. It is called a check card in the United States. It is a plastic card that replaces cash. currency.

The Visa debit card is not a credit card. It is a combination of an ATM card and a Visa card. It can be used to withdraw money at an automated teller machine (ATM) or to make purchases directly in stores. When the card is swiped, the money will be deducted directly from the deposit account. Only the amount of money in the account can be swiped. There will be no over-swiping, overdraft or recurring interest.

Table of contents

[Hide]

1 Card design

2 How to apply for and use the card

3 Card issuance Organization 3.1 Taiwan

3.2 Hong Kong, Macau

4 See also

5 Reference materials

Card design [edit]

< p> The card design of the Visa debit card is the same as that of the Visa credit card, including the Visa logo and 16-digit card number. Unlike a credit card, this is a deposit account product, so the card will also have a bank account number. At the same time, many card issuers will add the words "Visa Debit Card", "Visa Debit" or "Debit Card" on the front or back of the card as a distinction.

How to apply for and use the card[edit]

You can apply for a Visa debit card by opening an account or renewing it at the bank that issues the Visa debit card. The use of Visa debit card is exactly the same as Visa credit card. The cardholder needs to sign for confirmation when swiping the card. Unlike a credit card, when you use a Visa debit card, payments at stores and ATM withdrawals will all be deducted directly from the deposit account, so you can use as much money as you have in your account, and you won't be overdrawn or maxed out.

Visa debit cards can be used all over the world and can be used in all stores that accept Visa credit cards (including general physical stores, online stores, telephone orders, fax mail orders or TV shopping services).

Cardholders can also withdraw local currency at ATMs with the Visa logo around the world, and the money will be deducted from the deposit account.

Card issuer[edit]

Taiwan[edit]

As of February 2016, there were 20 financial institutions in Taiwan that issued Visa debit cards:

China Trust Commercial Bank

Chunghwa Post Corporation

Taichung Commercial Bank

Taipei Fubon Commercial Bank

Taishin International Commercial Bank

Taiwan Small and Medium Enterprise Bank

Taiwan Shin Kong Commercial Bank

Cooperation Bank Commercial Bank

Mega International Commercial Bank< /p>

HSBC (Taiwan) Commercial Bank

First Commercial Bank

Cathay Pacific Commercial Bank

South China Commercial Bank

< p> Standard Chartered International Commercial Bank

Bank of Taiwan

Federal Commercial Bank

Shanghai Commercial and Savings Bank

Changhua Bank

< p> Public Bank

Yushan Bank

Hong Kong and Macau[edit]

In Hong Kong and Macau, the debit card issued by Visa is called "Visa Account Debit" account card". Currently, only a few banks in Hong Kong issue Visa account debit cards. Among them, Hang Seng Bank issues the "enJoy Spending Card". Unlike other enJoy credit cards, this card does not have the Visa payWave function; while Citibank's card has the word PLATINUM printed on it. , existing Citibank customers will be gradually replaced by the card in June 2013 until March 31, 2014[1]

; Fubon Bank’s VISA account debit card will be It will be completely stopped on July 31, 2013. The bank also intends to stop issuing general ATM cards on December 31, 2013 and completely stop using general ATM cards on April 1, 2014[2]

< p>. In Macau, only Macau Wing Hang Bank issues "Visa Account Debit Card" [3]

.