China Unionpay
China UnionPay is a joint-stock financial service institution established by more than 80 domestic financial institutions with the approval of the People's Bank of China, with a registered capital of 654.38+65 million yuan. The company was established on March 26th, 2002, and its headquarters is located in Shanghai.
Repay arrears
In Hong Kong, credit card holders usually receive monthly statements every month. If the credit card holder uses the credit card to spend money in the current month, he/she needs to pay the minimum repayment amount on the monthly statement before the final repayment period on the monthly statement. Otherwise, the card issuing company has the right to collect interest and administrative fees, or hire a debt collection company/credit information center to collect money.
In Chinese mainland, there are corresponding consulting companies for credit card repayment, which can provide certain repayment strategies for cardholders, so that cardholders can get more intimate financial services by using credit cards.
Visa (visa)
Visa is one of the most famous payment brands in the world. Visa cooperates with Visa merchants, ATMs and member financial institutions around the world to make this dream come true.
Visa global electronic payment network-VisaNet-is the most extensive, powerful and advanced consumer payment processing system in the world, and keeps fulfilling its promise to globalize your Visa cartoon series. More than 20 million merchants around the world accept Visa cards, and there are more than 840,000 ATMs around the world. Therefore, Visa's global network allows you to use your Visa card conveniently no matter where you are.
Visa International itself does not issue cards directly. In the Asia-Pacific region, Visa International has more than 700 member financial institutions and issues various Visa payment instruments, including credit cards, debit cards, corporate cards, business cards and purchasing cards. These products can make you feel safe, convenient and reliable when you consume.
Visa has set up representative offices in Beijing and Shanghai 1993 and 1996 respectively. Visa has 17 Chinese-funded member financial institutions and 5 foreign-funded member banks in China, including UnionPay. By the end of March 2005, Visa had issued about 5.4 million Visa cards in Chinese mainland, which were used by 65,438+07,000 ATMs, and the transaction volume of Visa in Chinese mainland reached 3.2 billion US dollars.
MasterCard
Mastercard international established an internationally accepted credit card system in the late 1950s and early 1960s, and it immediately became popular all over the world. 1966 established the organization of interbank associations. 1969 the bank card association purchased the patent right of MasterCharge, and unified the name and style of the credit card of the issuing bank. In the following ten years, MasterCharge's original name was changed to MasterCard. MasterCard International is a non-profit association, including financial institutions all over the world. Its members include commercial banks, savings and loan associations and credit cooperatives. Its basic goal remains unchanged: to communicate the information exchange of bank cards of domestic and foreign members, and to facilitate card issuers, regardless of their size, to enter the bank card and traveler's checks market and seek development.
VISA and MASTERCARD are two major credit card organizations in the world. There is no distinction between good and bad. It depends on your personal preference. Generally speaking, the United States uses more visa and Europe uses more master.
American express card
Since 1958 issued the first American Express card, up to now, American Express has issued American Express cards in 49 currencies in 68 countries and regions, building the world's largest self-contained special merchant network with more than 60 million high-quality cardholders. American Express Company was established in 1850, and its initial business was to provide express service. With the continuous development of business, American Express took the lead in launching traveler's checks at 189 1, mainly for high-end customers who travel frequently. It can be said that American Express has served high-end customers for a hundred years, and accumulated rich service experience and a huge group of high-quality customers.
Dalai credit card
/kloc-in the spring of 0/950, McNamara invested in partnership with partner Schneider, and registered the first credit card company-"Diners Club International" in new york, which was later reorganized into Diners Credit Card Company. Diners Club implements the membership system and provides members with a card that can prove their identity and ability to pay. Initially, they signed an acceptance agreement with new york 14 restaurants to distribute "Dinka" to specific people. Members can charge their accounts in the restaurant with their cards, and then Dalai Company acts as a payment intermediary to delay the settlement of accounts between consumers. The prototype of credit card was born.
jcb credit card
JCB card and Dinka are the earliest two card brands in the development history of Japanese credit card industry. At that time, American Diner Credit Card Company established Japanese Diner Credit Card Company in Japan, 1960, which mainly distributed diner cards to local high-end customers, with a small number of cards issued. After JCB was established, it decided to choose a different road from the high-end user card issued by Dalai, and positioned the card as a Volkswagen JCB card.