However, it will take some time for the UnionPay network to be fully rolled out. At present, in some countries or regions, it is not possible for every merchant to brush UnionPay cards. Therefore, it is very necessary to have a Visa, MasterCard or JCB credit card when it is impossible to take the UnionPay channel. At the same time, in order to avoid the foreign exchange handling fee when using the card, consumers need to select the card accurately in advance.
When you plan to take a deep vacation in Europe, you'd better get a credit card with a euro account. In this way, the consumption in the euro countries can be included in the euro account, without additional costs. Bank of China, Industrial and Commercial Bank of China, and China CITIC Bank all launched cards with euro as the settlement currency.
Consumers who plan to go to Japan may wish to apply for a dual-currency card with a Japanese yen account, such as a lucky cat credit card, which is exempt from the annual fee in the first year and can be exempted from the annual fee in the following year if they spend five times in a year.
In addition, the Bank of China has also introduced the GBP International Card and HKD Card, both of which are single currency cards, and a certain annual fee is required. If cardholders swipe their cards in Britain, China and Hongkong in the future, they may wish to apply for these two cards.
2. Before traveling abroad, make a phone call or surf the Internet to learn about the special functions of the bank's credit card in consumption abroad and the overseas credit card promotion activities launched by the credit card you carry, so as to obtain more preferential and practical money-saving information. Overseas credit card spending is large, which is a good opportunity to accumulate credit card points. The points earned by cardholders who spend their credit cards abroad can be exchanged for flight mileage rewards.
Third, if you plan to spend a lot abroad and worry that your credit card limit is not enough, the cardholder can apply to the bank in advance to adjust the temporary limit. It is recommended to take two or three credit cards from different card issuers to travel, as a backup while solving the quota problem.
Tips: Because domestic cardholders generally use foreign exchange to repay, when foreign currency accounts are in arrears, the repayment amount is also related to foreign exchange fluctuations. If the cardholder thinks that the RMB will strengthen in the future, there is no need to rush to repay the arrears. If it is predicted that foreign currency will strengthen, it is more cost-effective to repay as soon as possible before the final repayment date. In addition, it is worth noting that even if your credit card has a transaction password, you don't need a password to use this card abroad, so you must protect your credit card and call the bank to report the loss if the card is accidentally lost.