What are the international credit cards?
What are the international credit cards? International credit card is a card issued by the bank in conjunction with the international credit card organization to people with good credit, and it is very beneficial to friends who travel abroad for overdraft consumption on a global scale. Let me tell you something about international credit cards.
What are the international credit cards 1?
1. What is an international credit card?
International credit card is a kind of card issued by banks and international credit card organizations to people with good credit standing, which can be overdrawn worldwide. At the same time, this card is also used to confirm the identity of users on the international network.
Two. Overview of international credit cards
Cards issued by members (banks) of international card-issuing organizations can be signed by the special agent of the organization. This kind of card is called an international card. As we all know, the three major international organizations VISA, MASTER and JCB. VISA has the highest market share, followed by MASTER and JCB, but JCB is very easy to use in Japan, but not necessarily in other places. Although JCB is also an international card, some online shopping does not accept JCB.
Usually, international credit cards use US dollars as the settlement currency, and international credit cards can be overdrawn (spend first and then repay). Visa and MasterCard are the common credit card brands in the world, and major domestic commercial banks also provide international credit card business. You can easily apply for a credit card at the bank counter. It should be noted that international credit card deposits have no interest.
Third, the characteristics of international credit cards
1, ICBC Peony International Credit Card
When both RMB account and USD (or HK$) account are opened in the card, you can not only swipe your card at home, deposit and withdraw cash at ICBC's national outlets or UnionPay ATM, but also use or withdraw local currency at designated merchants of VISA, MasterCard or AmericanExpress card and ATM with its logo, enjoy the preferential exchange rate of international credit card organizations, and reduce the loss and trouble of foreign currency exchange.
RMB account and foreign currency account (USD or HKD) have their own credit limits, which do not affect each other. In addition, the US dollar account can be used for shopping on foreign websites, and the unique online transaction switching function of Peony International Card fully guarantees your card safety.
2. China Agricultural Bank Jinsui Credit Card Dual Currency Card
The dual-currency credit cards issued by ABC are Visa and MasterCard. In addition, featured cards include Jinsui Platinum Card, Jinsui International Travel Card and MasterCard HNA Co-branded Card. The dual-currency card has two accounts, RMB and USD, and both accounts enjoy a credit line. Overseas non-UnionPay POS consumption and overseas ATM withdrawal use US dollar accounts, and there is no handling fee for consumption. For cash withdrawal, the handling fee is charged at 3% of the transaction amount (minimum $3). If the local currency is not USD, you need to pay the international settlement fee. Visa is 1% of the transaction amount, and MasterCard is 1. 1%。
3. BOC Great Wall International Card
There are four kinds of chip (EMV) credit cards that meet international standards: USD, HKD, EUR and GBP. It can be spent by more than 29 million VISA or MasterCard merchants in 256 countries and regions around the world, and can also be withdrawn from member banks, and can also be used at ATMs marked with "PLUS" or "CIRRUS" around the world. In addition, you can also pay related fees online.
4. BOC Great Wall International Zhuojuan Card
Credit cards, products, services and discounts specially designed for international students take care of the needs of international students. Zhuojuan Card has two options: Euro Card and Sterling Card. Parents can pay their children's living expenses for studying in China through various repayment methods.
5. China Merchants Bank Dual Currency International Credit Card
China Merchants Bank has a variety of dual-currency international credit cards, among which airline credit cards have cooperation with many airlines. For example, China Merchants Bank and All Nippon Airways jointly launched ——ANACard, the first foreign airline joint credit card in China. Credit card consumption can accumulate mileage; With this card, you can get up to 2 million yuan of aviation accident insurance if you pay the full plane ticket or 80% of the tour fare.
6. CITIC dual-currency credit card
Citic dual-currency credit cards (RMB and USD, RMB and HKD) can be used by more than 27 million merchants with VISA logo around the world, and can also be used to withdraw money from more than 700,000 ATMs around the world 24 hours a day. CITIC Credit Card also provides aviation accident insurance with a maximum of150,000 yuan, and the "400" Mandarin global customer service hotline provides 24-hour free service.
7. CCB Business Travel Series Dual Currency Credit Card
Many credit cards such as China Eastern Airlines Dragon Card, Shenzhen Airlines Dragon Card and Mango Travel Dragon Card in CCB Business Travel Series are dual-currency credit cards. For example, China Eastern Longka is an aviation joint credit card jointly issued by CCB and China Eastern Airlines. This card is a combination of Longka dual-currency credit card and Oriental Miles membership card. In addition to accumulating Oriental Miles points, you can also receive high aviation accident insurance. If the domestic flight of China Eastern Airlines is delayed for more than 4 hours, it can also receive flight delay insurance and baggage delay insurance.
8. Bank of Communications dual-currency credit card
In the form of main card and supplementary card, it is universal and there is no handling fee for consumption. The longest interest-free period is 56 days, and you can also withdraw cash urgently abroad. I will send you the child's consumption bill on time every month, and I can also open a banking service. The consumption details of each child will be sent to your mobile phone in the form of SMS at the first time. If you lose your credit card, you should immediately call 86-4008009888 to report the loss overseas to avoid loss.
Fourth, matters needing attention
1. Adjust the credit card limit.
Under normal circumstances, the credit card limit given by the bank is relatively large. For example, my credit card limit is close to 20 thousand yuan, which is generally not needed. In case the credit card is lost, it will cause a lot of unnecessary losses. Therefore, individuals can manually adjust the credit card limit, for example, setting a limit in the credit card limit adjustment of China Merchants Bank Online Banking Professional Edition, so that the credit card consumption limit is within this limit, and the risk is much less. When you need more credit cards, you can modify them manually.
2. Turn off the ATM withdrawal function of the credit card.
It is basically useless to withdraw money from ATM by credit card, and the interest rate is surprisingly high. Once the credit card is stolen, it will bring greater risks. It is suggested to turn off the cash withdrawal function of the credit card.
6. Which is safer, signature or password?
Taking signature as proof of credit card consumption is the mainstream of international banking. From the security point of view, this kind of credit card can be consumed only by signing, especially through online banking. Generally, as long as the cardholder's name, credit card expiration date and inquiry password are known, it may be stolen. Therefore, many cardholders in China think that passwords are more secure than signatures. However, the use of passwords also has some disadvantages, that is, the responsibility of keeping passwords is passed on to cardholders, which means "at your own risk". Once a credit card is fraudulently used, the rights and interests of the cardholder who uses the signature can often be better protected and compensated.
What are the international credit cards?
1 visa
Visa card has also been translated into Visa, Visa, Cai Huika and Visa. It's a credit card brand. 1959, bank of America began to issue American bank cards in California, and 1976 began to issue Visa cards. 1977, "Visa" was officially regarded as the symbol of the organization and was called the Visa international organization. VISA card is a credit card issued by Visa International with the ending of 1982. It can be accepted at more than 29 million merchant trading points around the world, and cash can be withdrawn from1800,000 ATMs, which is infinitely convenient.
2. 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, the interbank association was established. 1969 The Bank Card Association purchased the patent right of MasterCharge, and unified the credit card name and style design of each issuing bank. In the following ten years, MasterCharge's original name was changed to MasterCard.
3. American Express
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. There are Peony American Express Card, China Merchants Bank American Express Card, CITIC American Express Card, Great Wall American Express Card and Minsheng American Express Card.
4. Dinner Club
Diner's Card was founded by entrepreneur FrankMCMamaca on/1950. This is the first plastic payment card, and eventually developed into an international credit card. 198 1, Citigroup, the holding company of Citibank, the largest retail bank in the United States, accepts DinersClubIntenational card. The main advantage of Diner's Card Company is that it has increased its sales in underdeveloped areas and consolidated its strong position in the credit card market. The company strengthened its position in the international market by forming a reciprocal agreement between Dalai's cash exchange network and ATM network.
China Industrial and Commercial Bank launched the first Dalai brand RMB/USD dual-currency card in Chinese mainland.
5. JCB (Japan Credit Bureau)
JCB card is a universal international credit card. It is a credit card jointly issued by Mitsui Bank of Japan, Nobuyuki Bank of Japan, Mitsui Bank, Concord Bank and Daiwa Bank at 196 1. The credit card (20 13) has been issued and circulated in 190 countries and regions around the world. They are the top five international credit card brands and the only international credit card brand originating from Asia.
JCB pays special attention to China, South Korea and other countries and regions. In China, nine banks have issued JCB credit cards, including China Bank, Shanghai Bank, China Everbright Bank, China Minsheng Bank, China Merchants Bank, Shanghai Pudong Development Bank, Ping An Bank, China Construction Bank and China Industrial and Commercial Bank. The number of cardholders has exceeded 5 million.
How to check the annual fee of credit card?
How to check the annual credit card fee:
(1) Call the bank's customer service phone for enquiry. Call credit card customer service, and then switch to manual service. After entering the information as required, you can inquire about the annual fee.
(2) Inquire through online banking. After logging in to online banking, you can query information such as credit card annual fee by entering user name, password and verification code. For example, if you want to check the annual fee of ICBC's credit card, log in to the China Industrial and Commercial Bank APP (version 7.0.1.2.1) on the iPhone 13 mobile phone iOS 15.0, click the credit card, click Settings, and then click the card information in the card interface.
(3) Query by credit card statement. The bank will list the annual fee and amount separately on the statement, and the cardholder can understand his annual fee standard through the statement.
Credit card annual fee rules refer to some corresponding provisions of credit card annual fee. Before the cardholder activates the credit card, the bank shall not charge an annual fee. But most people know little about the annual fee rules of credit cards in different banks. The annual fee of credit card is mostly around 100 yuan, and some banks stipulate that the annual fee can be waived by swiping it three times a year.
Annual fee standard: the annual fee policy of most banks has not changed. Generally, the annual fee for standard credit cards is around 100 yuan, while the annual fee for gold cards is generally in 200 yuan or 300 yuan. The annual fee of a single-currency card is lower than that of a dual-currency card. Generally, the annual fee of the supplementary card is halved corresponding to the annual fee of the main card.
However, the annual fee standard of credit cards of different banks will be different according to different cards. For example, the annual fee of the standard credit card of Shanghai Pudong Development Bank is the main card 180 yuan and the auxiliary card 90 yuan; Gold card annual fee 360 yuan, main card, auxiliary card 180 yuan; Annual fee for Pudong Development Co-branded Card 360 yuan; As for PUFA McDull series credit cards, the signboard of "Free Annual Fee for Life" has been put up. Therefore, even for credit cards issued by the same credit card center, the annual fee standard will be very different. Cardholders should first ask how high this "potential cost" is when handling cards.
Annual fee in disguise: cardholders need to pay attention when looking for free lunch. Although some bank credit cards claim to be free of annual fees for life, they need to pay a certain "occupation fee" to enjoy the annual fee exemption. For example, the WOW card of Shanghai Pudong Development Bank needs to pay the "occupation fee" of 260 yuan to enjoy the annual fee exemption.
The ANA card[ 18. 044. 64%] of China Merchants Bank stipulates that the annual fee is free for life, but the bank will charge the membership fee on behalf of ANA, with the 650 yuan for the main card and 325 yuan for the supplementary card.
In fact, consumers don't have to choose a credit card that is free of annual fees for life. If they choose a credit card that suits them and use it reasonably, they can still avoid unnecessary expenses.
The annual fee has been deducted, but it has been replenished six times. Can the annual fee be waived?
If the annual fee has been deducted, you need to negotiate with the credit card customer service center for six times, and you can apply for an annual fee refund. Some banks can, and some banks can't. You can call the bank customer service first. If they say they can do this, the annual fee will be returned to your account. If they say no, they can only remember the number of times they have swiped the card in the future.
The annual fee is deducted according to the number of credit card swipes: the purpose of issuing credit cards to cardholders is to make them profit from using them. Banks will reduce the annual fee according to the number of swipes for the benefit of their own banks and cardholders.
General credit cards will directly implement the annual fee-free policy, and most general cards, as well as gold cards, can be exempted from annual fees in the first year, and then they can be exempted from annual fees by swiping their cards. As for some high-end cards such as platinum cards, the annual fee is generally rigid, but some of them can be redeemed through points.
Is there any other way to avoid the annual fee besides swiping the card?
1. Free of annual fee after meeting the requirements. Ordinary cards and platinum cards are almost exempt from the annual fee for the first year, and then exempt from the annual fee for the next year after meeting the conditions.
2. Free annual fee for life In fact, there are two cases of free annual fee for life: the first is completely free annual fee, and no annual fee is charged from the beginning of the card application. For example, Pufa's dream card is free of annual fees for life.
The second is a symbolic annual fee exemption. For example, the ANACARD ANA Credit Card of China Merchants Bank stipulates that the annual fee will be exempted for life, but the membership fee will be charged on behalf of ANA ANA. The main card is 650 yuan/year, and the auxiliary card is 325 yuan/year.
3. Deduct the annual fee with points. Some platinum cards need to deduct the annual fee with points, such as the Golf Platinum Card of China Everbright Bank and the Platinum Dream Card of Shanghai Pudong Express. The annual fee can be deducted by points, generally 200 thousand points.
Although the annual fee is also a credit card fee, generally speaking, the credit card rights without annual fee will be relatively higher. So friends can choose the appropriate credit card type according to their own needs.
So much for the introduction of ANA credit card.