Hello, VISA, MasterCard, JCB and American Express are all international credit card organizations. Among them, VISA has the widest coverage, and its authorized merchants are mainly concentrated in North America, Asia-Pacific and other regions; MasterCard’s authorized merchants are mainly concentrated in In Europe, Southeast Asia and other regions; JCB-Japan Credit Card Co., Ltd., its special merchants are mainly concentrated in Japan; American Express has issued Express cards in 49 currencies in 68 countries and regions, with more than 60 million high-quality cardholders worldwide user. After the application is successful, the basic functions of the cards are the same, but they use different card payment routes abroad, have different special merchants, and have different promotions.

If you fail to repay the minimum payment on your bill in time before the payment due date, late payment fees and interest will be charged, and your personal credit will be affected. The late payment fee is 5% of the unpaid portion of the minimum repayment amount, with a minimum charge of RMB10 yuan or USD1 yuan. Interest will be charged on all consumption in the current period starting from the recording date (usually the next day after consumption), with a daily interest rate of 0.5% until you pay it off in full. In order to avoid affecting your personal credit, it is recommended that you repay your bill on time. If it is not convenient to pay off the bill in full, please pay at least the minimum repayment amount on time.