Visa credit card

1.visa credit card is a kind of international credit card, which is jointly issued by banks and visa international organizations.

2. Anyone who has the visa logo printed on his credit card can spend money by swiping it at merchants who have cooperated with visa all over the world. In fact, just as all bank cards in China have the UnionPay logo, UnionPay only covers China.

3. Credit cards with visa logo can realize two currencies for one card, including RMB and USD, and will also provide various products and services for members. VISA global electronic payment network system is committed to providing cardholders with safer, faster and more convenient payment methods.

For more information about what a visa credit card is, please visit: See More.

What are the services of visa Credit Card of China Bank?

The dual-label cards of China Bank can be consumed by UnionPay and POS machines. Besides financial functions such as consumption and cash withdrawal, they can also enjoy the preferential treatment provided by VISA. You can call the customer service hotline for further consultation.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.

What does credit card visa mean?

Visa credit card is a kind of credit card jointly issued by banks and visa international organizations. Anyone who has the visa logo printed on his credit card can spend money by swiping it at merchants who cooperate with visa all over the world.

In fact, just as all bank cards in China have the UnionPay logo, UnionPay only covers China.

Credit cards with visa logo can realize dual currency for one card, including RMB and USD.

It will also provide various products and services for its members. Visa global electronic payment network system is committed to providing cardholders with safer, faster and more convenient payment methods.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

main feature

1. Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.

2. Credit card has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;

Credit card is a high-tech product integrating financial business and computer technology.

4. Credit cards can reduce the use of cash and currency;

5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

6. Credit cards can simplify the collection procedures and save social labor;

7. Credit cards can promote commodity sales and++social demand.

Financial management strategy

1, control the number of credit cards, enough is enough.

Once there are too many credit cards, it is easy to get the repayment date of this card wrong and forget the credit limit of that card, which is difficult to manage, and it is easy to cause overdue repayment and leave a bad record. Moreover, multi-card credit card points, too scattered points are not conducive to redemption of gifts. Therefore, it is suggested that only 1~2 credit card is enough.

2. Keep credit card vouchers

Most credit card holders don't care about these documents, and they won't keep them. Most of them are thrown away, which is a very bad habit. In fact, keeping good credit card vouchers is not only convenient for summarizing consumption records every month, and then analyzing and optimizing consumption habits, but also helpful for improving the rationality and transparency of credit card consumption, so as to clearly understand credit cards. Moreover, many people's credit cards do not have passwords, and discarding credit card vouchers at will may lead to the theft of credit cards.

For safety reasons, it is best to keep credit card vouchers after consumption, so that you can know fairly well and develop good credit card financial habits.

3. Reduce cash withdrawals

Credit cards have two functions: overdraft and cash withdrawal, but cash withdrawal requires a certain percentage of handling fees, and even if you deposit your own money, you have to charge. So it's not cost-effective to use+++and use it as a passbook.

Step 4 choose the right credit card

The choice of credit card is very important. Nowadays, many commercial organizations have bundled cooperative business with banks. For example, they can set up a joint credit card of a department store and the corresponding bank, and they can spend points here as members and get discounts. Or some cards can be discounted at designated merchants, including eating, watching movies, towing services, etc. , there are many names, and you can choose freely according to your own needs. Use your credit card well and choose it well.

What is a visa card? Savings card or overdraft card?

VISA is an international organization of credit cards, which is equal to a brand in popular parlance, just like MASTERCARD and JCB. The logo on a credit card is the difference between logos. Depending on your region, the usage may be different. For example, some people think that VISA may be better used in Europe, and MASTERCARD is better used in Europe. This is the difference between institutions in the local network. In China, there is no obvious difference, because in China, we all take the network of UnionPay.

VISA is like UnionPay in China, and VISA International is the largest international credit card organization in the world. It is a non-profit international organization with the participation of banks from all over the world. Its members are banks and other financial institutions, and a global payment and financial service network has been established.

You must be at least 18 years old if you want to apply. Certificates can be ID cards, military officers' cards, police officers' cards, passes for Hong Kong and Macao residents to and from the mainland, passes for Taiwan Province Province to and from the mainland, and passports. You can apply for an international credit card.

Main types

_ Credit Card -Visa provides its financial institution customers with a rich credit card product platform, which can meet all kinds of payment needs from new credit card customers to high-end consumers and large institutions. Visa's credit card platform also provides value-added services such as personalized points reward system, emergency card replacement, travel assistance and car rental insurance, which can help card issuers improve customer loyalty and utilization.

_ Debit card-VISA provides a wealth of debit card products for consumers in different regions and with different consumption levels. Visa debit card allows consumers to control the funds in their accounts through electronic payment, which is more convenient, safer and more flexible than cash and cheque payment. Visa debit cards are divided into four brands-Visa, VisaElectron, Interlink and PLUS.

_ Prepaid Card -Visa also provides a wide range of prepaid card products, allowing financial institutions to provide consumers with prepaid card products that can be recharged. For consumers who have not yet opened an account in a bank, Visa prepaid card solution is a safer and more convenient choice than cash and checks.

The government and enterprises use Visa prepaid card products to distribute medical insurance funds, medical subsidies, unemployment benefits, employee salaries and other welfare benefits. Visa also provides prepaid gift cards, which can be used by any merchant who accepts Visa debit card products. Prepaid products better meet the needs of global travelers, provide them with the unique convenience and security of electronic payment, and avoid the trouble caused by cash and checks.

References:

Baidu encyclopedia entry visa

What kinds of Visa cards are there? What's the use?

I. Credit card

Visa provides a rich credit card product platform for its financial institution customers, which can meet all kinds of payment needs from new credit card customers to high-end consumers and large institutions. Visa's credit card platform also provides value-added services such as personalized points reward system, emergency card replacement, travel assistance and car rental insurance, which can help card issuers improve customer loyalty and utilization.

Second, debit cards.

Sa provides a wealth of consumer debit card products for consumers in different regions and with different consumption levels. Visa debit card allows consumers to control the funds in their accounts through electronic payment, which is more convenient, safer and more flexible than cash and cheque payment. Visa debit cards are divided into four brands-Visa, VisaElectron, Interlink and PLUS.

Third, prepaid cards.

Visa also provides a wide range of prepaid card products, allowing financial institutions to provide consumers with prepaid card products that can be recharged. For consumers who have not yet opened an account in a bank, Visa prepaid card solution is a safer and more convenient choice than cash and checks. The government and enterprises use Visa prepaid card products to distribute medical insurance funds, medical subsidies, unemployment benefits, employee salaries and other welfare benefits. Visa also provides prepaid gift cards, which can be used by any merchant who accepts Visa debit card products. Prepaid products better meet the needs of global travelers, provide them with the unique convenience and security of electronic payment, and avoid the trouble caused by cash and checks.

For small businesses -Visa business credit cards, Visa business debit cards and Visa series business credit cards;

For large and medium-sized enterprises and government agencies -Visa corporate card, Visa purchasing card, Visa business card, Visa conference card, Visa fleet card, Visa distribution card, B2B and supply chain management products and services.

In addition to these platforms, Visa can also provide customized solutions in different markets to meet the special requirements of enterprises and government agencies of all sizes.

1. Visapuka

The most popular Visa card in the world enjoys convenient, safe and reliable payment service.

Whether it is daily shopping, hotel reservation or online bookstore shopping, Visa card is the most recognized and accepted by merchants, and it is equally popular online and in the real world.

2.Visa gold card

Whether you are a new customer with a good credit record or an old customer who has always supported the Visa card, please upgrade to the Visa gold card immediately and enjoy the gold standard of excellent service.

As long as you hold a Visa gold card, you can enjoy a credit line of more than $5,000, revolving credit line, emergency card replacement service and travel cash expenditure service. In addition, Visa gold card holders can also enjoy travel accident insurance, medical and legal service introduction and assistance, and 24-hour free telephone support from Visa Global Emergency Service Center.

3.Visa Platinum Card

Visa Platinum Card provides ultra-high credit limit, tailor-made tourist reception services and entertainment projects, 500,000 US dollars of travel accident insurance, and a series of attractive exclusive offers.

4.Visa unlimited card

Visa Unlimited Card goes beyond the ordinary payment boundary, providing a credit line that is hard to find elsewhere, unimaginable convenience, tailor-made preferential treatment and unparalleled service. Only a few invited people can enjoy the unique status of Visa Unlimited Card.

5.Visa debit card

Visa debit card can be paid directly from the bank account, and the payment record will be recorded in detail in the bank statement, making financial management easier and more convenient.

No matter daily shopping, dining in a restaurant, car refueling or travel shopping, you can use a Visa debit card to pay, and everything is naturally simpler. You can also use a Visa debit card to withdraw cash from ATMs all over the world. Visa debit card makes the shopping process faster, more convenient and safer, and can be accepted by tens of millions of merchants around the world.

6. Visaka

VisaWave card can complete payment as long as it is close to the card reader, and the process is faster, simpler and safer.

7.VisaMobile

VisaMobile integrates all the benefits provided by the Visa card into the mobile phone, and can purchase or download coupons, games, music, theater tickets and so on by phone.

8.Visa prepaid card

Payment methods other than cash or check are convenient and safe. Visa prepaid card provides an easy, convenient and safe payment method anytime and anywhere, which makes you feel at ease at all times. VisaTravelMoney is a travel prepaid card, which can go to 6,543.8+0.8 million ATMs in more than 200 countries or regions around the world within 24 hours, and randomly withdraw local currency for travel expenses.

It is enough to introduce the use of visa credit card.