The password of 2.2. VISA international card is 6 digits, which is consistent with other bank cards.
3. The collection of overseas cash withdrawal fees depends on the situation.
First of all, you also know that your cards are UnionPay and VISA (RMB and USD dual accounts), so when you are abroad, both consumption and cash withdrawal are two different settlement methods. As far as withdrawal is concerned, if the ATM you use is UnionPay, you will end up with a RMB account. No matter whether the local currency is USD or AUD, the RMB is reflected in your account book, and the handling fee is charged according to the withdrawal amount 1%+ 12, ranging from 13 yuan to1/2 yuan. If the ATM you use is VISA, the final settlement will be made in US dollars (of course, the currency withdrawn by UnionPay or VISA is local currency, but the settlement will be made in the currency of the card), and the handling fee will be charged at 2.9%, with a minimum of US dollars (not US$ 2.9) and no maximum. At the same time, the VISA credit card organization will charge you a currency exchange fee of 65,438+0% (not if the local currency is US dollars).
Secondly, withdrawal should be divided into overdraft withdrawal and withdrawal of one's own deposit. In case of overdraft cash withdrawal, UnionPay (RMB) shall not exceed 2000 yuan or equivalent foreign currency per day, and VISA shall not exceed 250 dollars or equivalent foreign currency per day, and interest shall be charged at the rate of 0.5 ‰ from the date of overdraft. If the secondary card withdraws money on the same day, as long as there is no other interest-free period before, no interest will be charged. The daily deposit does not exceed $65,438+0,000, and the handling fee is $29 if you withdraw money at VISA ATM. Although there is no maximum handling fee, it can be said that the handling fee is up to $29 because of the limit of overseas cash withdrawal.
If your withdrawal currency is Australian dollar, you can withdraw the equivalent Australian dollar according to the exchange rate between US dollar and Australian dollar at that time, and the handling fee will be charged in US dollars.
The same is true for the deduction of handling fees. UnionPay is used to deduct RMB, and VISA is used to deduct USD. The main card and the auxiliary card share the same account, so no matter which card is used, the money in the account will be deducted, and the handling fee will also be deducted. There is no such thing as the highest handling fee. At the time of repayment, UnionPay directly repays RMB, and US dollars are purchased back into US dollars.
4. If you want to cancel your card, you don't need to take it back to China. After you settle the account arrears, you can directly call 95588 to cancel the account, and both the primary and secondary cards will be cancelled.