Bring foreign currency change, debit card and dual-currency card.
For outbound travel, you need to leave enough change because you have to pay a certain tip and self-funded items. If you don't want to carry too much cash, you can withdraw foreign currency through overseas ATMs. Some foreign banks, such as Bank of China, Industrial and Commercial Bank of China and China Merchants Bank, all have overseas ATMs, which can help in case of insufficient cash.
However, since most banks have to charge a certain fee for overseas ATMs, it is better and more cost-effective to spend money abroad by swiping the card.
In order to use the card safely, you need to carry more than two cards with you, and it is best to carry a debit card with a certain amount of RMB in it, because it can also be used on overseas UnionPay card readers.
Dual-currency cards generally need to bring a dual-currency identification credit card of VISA and MasterCard, so don't worry about traveling abroad.
Where you can brush UnionPay cards, try to brush UnionPay identification cards.
When traveling abroad, many areas can use currencies other than the US dollar for settlement, including pounds, euros, Hong Kong dollars and Japanese yen. Although some of them can be settled in US dollars, there will be currency conversion problems and currency conversion fees will be paid.
Moreover, if you want to swipe your card through non-UnionPay channels, you need to convert other currencies into US dollars and then into RMB. Because of the two conversions, the exchange fee is relatively high.
Therefore, UnionPay cards should be used as far as possible for consumption in areas where non-US dollar currencies are used overseas. Before spending, it is best to explain to the merchants the use of China UnionPay credit card machine.
At present, UnionPay's POS machines have a certain coverage in Asia-Pacific and some European and American regions, which is more suitable for non-American currency settlement and is very suitable for us in consumption abroad.
You can try to consider giving a bank credit card to buy aviation insurance.
At present, most bank credit cards have certain aviation accident insurance, so cardholders can choose their own credit cards when traveling abroad.
Travel in Europe and America: Choose card type according to currency.
The currencies in circulation in Europe and America are different. At present, major banks in China have launched dual-currency credit cards to meet the needs of different groups of people, such as Euro cards issued by Bank of China, China CITIC Bank and Minsheng Bank, GBP cards issued by Bank of China, JCB yen cards issued by Bank of China and Australian dollar cards issued by Minsheng Bank.
There are many ways to win the credit card war of foreign consumption.
It should be noted that at present, most dual-currency credit cards are RMB/USD dual-currency credit cards, so the functional currency of countries whose common currency is not USD is local currency. At the time of settlement, the local currency should be converted into US dollars at the exchange rate on the day of consumption, and US dollars should be converted into RMB at the exchange rate on the day of repayment by customers.
Therefore, it is advisable to choose Euro Card for consumption in Europe, and you can directly purchase foreign exchange in euros or RMB for repayment, which can successfully save the link of exchange rate conversion of the US dollar.
China, Hong Kong and Macao Tour: UnionPay card is the first choice.
Hong Kong and Macao can be described as a city full of sex and desire. Under the temptation of delicious food, flagship stores and sea view rooms, it is not easy to tighten your wallet.
How to save the currency conversion fee generated by credit card consumption? Compared with MASTER and VISA international cards, you have to pay the card issuer a handling fee of about 1%. UnionPay card saves you a lot of money.
In addition, because the payment currency of UnionPay card is RMB, it can be repaid directly in RMB, which also brings a lot of convenience to cardholders.
Travel tips
In many overseas areas, you don't need to enter a password, you can pay directly by signing a contract! So please be sure to keep your bank card! It is necessary to carry several credit cards when traveling abroad, which can not only make consumption safer, but also overdraw for emergencies.
Finally, it should be reminded that the cardholder should repay the loan on time, so as not to affect the credit limit and credit record.
Well, if you still don't know what kind of credit card is suitable for us to carry abroad, consider Bian Xiao's suggestion!