(1) Which foreign merchants and ATM cards can pay in RMB?
Merchants and ATMs with the "UnionPay" logo posted overseas can use RMB accounts in credit cards for payment. At present, this service has been opened in Hong Kong and Macao and South Korea, Thailand and Singapore.
(2) What's the difference between overseas merchants with UnionPay logo, VISA and MasterCard logo and ATM transactions?
A. the payment currency is different. In the merchants and ATM cards marked "UnionPay", the payment currency is RMB; In VISA or MasterCard network merchants and ATM cards, the payment currency is foreign currency.
B. the repayment currency is different. In the "UnionPay" transaction in Hong Kong, customers repay directly in RMB; In merchants and ATMs connected by VISA or MasterCard, customers repay in US dollars or apply for RMB to purchase foreign exchange for repayment.
(3) At what exchange rate does the bank convert the foreign currency into RMB?
In this case, banks will generally convert foreign currency into RMB according to the foreign exchange selling price announced by the state on the day of transaction or repayment, and banks have different regulations on this. You can refer to the specific terms of each bank when repaying.
(4) It is best to use your credit card in advance before going out for a long trip.
If the credit card is not used for a long time, there may be abnormal conditions, such as unintentional damage, or degaussing the magnetic stripe information, which makes it impossible to use it. So it is best to use it once in advance before going out to ensure that the card is barrier-free!
(5) Pay attention to the restrictions on the amount and times of ATM withdrawals.
According to the regulations of the People's Bank of China, the daily cumulative cash withdrawal of credit cards shall not exceed 2,000 yuan, and the daily cumulative cash withdrawal of other cards shall not exceed 5,000 yuan.
Therefore, the issuing bank determines the maximum cash withdrawal amount and daily cash withdrawal times of their respective cards under this regulation. At the same time, due to the upper limit of the amount of paper money in ATM machines, the acquiring bank has also set the maximum amount of one-time withdrawal of machines.
Therefore, the maximum amount you can withdraw from the ATM is affected by the regulations of the issuing bank and the acquiring bank, and the minimum amount shall prevail.
For example, the issuer stipulates that the maximum daily withdrawal amount is 2500 yuan, and the acquirer stipulates that the maximum withdrawal amount is 1500 yuan, so the actual maximum withdrawal amount of the cardholder is 1500 yuan, and the maximum daily withdrawal times of each card is 2 yuan.
International cards will also have restrictions on the amount and number of withdrawals abroad. If you need a lot of cash urgently, please make preparations in advance to avoid "money can't be spit out".
(6) Be cautious when spending abroad.
There are three columns on the credit card shopping list: basic amount, tip and total amount. You can fill in the "tip" column with the tip amount and the actual consumption amount, add them up and fill in the "total amount" column, and then sign for confirmation. The total amount must be calculated correctly. Write one more zero, and the tip will be more.
I need to remind you that when you swipe your card abroad, you should pay attention to the currency of the purchase order. For example, there is a difference of "108,000 miles" between 65,438+0,000 yen and 65,438+0,000 dollars.
(7) Book a hotel
It is different from ordinary consumer credit cards. If you want to book a hotel room, the hotel will generally ask you to provide your credit card number as the basis for the reservation guarantee, and confirm your reservation number when you check in. If you want to cancel your reservation, remember to ask the hotel for the check-out cancellation number as a proof of cancellation. Otherwise, the hotel has the right to charge a one-day fee for the reserved room according to international practice.
When you go through the check-in procedures related to your stay, the hotel will ask you to brush a blank bill first. If the hotel requires signature, you can sign on the back of the order.
When you check out, the hotel will fill in all the expenses of staying in the hotel on the purchase signing form, and you can only sign the purchase signing form after checking the expenses correctly. If you want to use cash when you settle your account, or change a new purchase order for some reason, please be sure to ask for the original purchase order and destroy it. If the hotel requests pre-authorization from the issuing bank, it should also request the hotel to cancel it from the issuing bank to safeguard its own rights and interests.