What kind of credit card do you apply for to travel abroad?

What bank's credit card should I use to travel to America?

1, the best choice is the set of cards or single-label cards of VISA and MasterCard of banks and UnionPay. (Because VISA and MasterCard have the highest penetration rate in the United States. ), it is best to choose VISA and MasterCard cards without currency conversion fee, otherwise the currency conversion fee of the cards will be 1.5%. \, it is best to choose overseas (including the United States) credit cards and certain cashback VISA and MasterCard cards, which can save money. The Dalai Lama of ICBC is not bad, but there are not many POS machines that support the Dalai line. If you want to apply for ICBC's credit card, you can choose ICBC's "Global Travel Credit Card". VISA and MasterCard can choose, and there is not much difference.

What credit cards do you often get abroad?

Question 1: What credit card should I use to travel abroad? How to choose a credit card can make spending abroad more cost-effective, which is really particular. Credit card experts say that there is not much difference in choosing which bank's credit card to use. The most important thing is to distinguish between dual-currency cards and cards.

Dual-currency cards and UnionPay cards use PK to save money.

When a cardholder uses a dual-currency credit card in consumption abroad, he has to pay a one-time currency conversion fee of 65438+ 0%-2% of the total transaction amount, and bear the exchange rate risk. At present, domestic dual-currency credit cards are mostly settled in RMB and US dollars. If the cardholder's travel destination cannot be settled in US dollars or RMB, but a dual-currency credit card is used overseas, the local currency needs to be converted into US dollars for settlement. When repayment is made in RMB after returning to China, US dollars should be converted into RMB for calculation. In this way, there may be two exchange rate conversions, and there is a certain risk of exchange rate fluctuation, which may bring certain exchange rate losses to cardholders.

Experts suggest that in overseas areas where RMB credit card business has been opened, it is best to choose UnionPay card. Because, through the UnionPay channel, the consumption amount will be directly converted into RMB at the exchange rate, so there will be no exchange fee. This process only involves an exchange rate exchange process, and the RMB paid is the least.

UnionPay cards only have one exchange rate exchange, which can relatively reduce the exchange rate loss of cardholders. However, overseas, VISA and MASTER have more outlets and are more convenient to use, while UnionPay cards have few outlets.

Choose the right card to reduce exchange rate loss.

UnionPay network has not been fully rolled out. In some countries and regions, not every merchant can swipe UnionPay cards. Visa, MasterCard or JCB credit cards are needed at this time. In order to avoid the currency conversion fee when swiping cards abroad, you need to choose a suitable credit card before traveling abroad. Credit card experts suggest that cardholders should try to choose cards with the same local currency when swiping their credit cards abroad. If you want to travel to Europe, you'd better choose Euro Card, Japanese Yen Card and Hong Kong Dollar Card.

By currency, the most common cards in China are USD card, HKD card, Euro card and Yen card. Choosing the right card can reduce the exchange rate loss. In countries and regions where the common currency of US dollar cards is not US dollars, such as Europe, the bookkeeping currency is the local currency, that is, the euro, which needs to be converted into US dollars at the time of settlement, and then converted into RMB at the time of repayment with RMB. This will increase the process of foreign exchange and bring certain exchange rate losses to cardholders. However, if you swipe the euro card, the bookkeeping currency and settlement currency are both euros, which will be directly converted into RMB, reducing some exchange rate losses.

Question 2: What kind of credit card is better for going abroad? First of all, of course, choose the most economical trading route. At present, UnionPay cards have been accepted in more than 1 10 countries and regions. When the cardholder swipes the card abroad and takes the UnionPay channel, the transaction currency will be converted into RMB according to the exchange rate announced by UnionPay, and credited to the RMB account of the cardholder's credit card, and no additional exchange fee will be incurred. Repayment can be made directly in RMB after returning to China.

However, it will take some time for the UnionPay network to be fully rolled out. At present, in some countries or regions, it is not possible for every merchant to brush UnionPay cards. Therefore, it is very necessary to have a Visa, MasterCard or JCB credit card when it is impossible to take the UnionPay channel. At the same time, in order to avoid the foreign exchange handling fee when using the card, consumers need to select the card accurately in advance.

When you plan to take a deep vacation in Europe, you'd better get a credit card with a euro account. In this way, the consumption in the euro countries can be included in the euro account, without additional costs. Bank of China, Industrial and Commercial Bank of China, and China CITIC Bank all launched cards with euro as the settlement currency.

Consumers who plan to go to Japan may wish to apply for a dual-currency card with a Japanese yen account, such as a lucky cat credit card, which is exempt from the annual fee in the first year and can be exempted from the annual fee in the following year if they spend five times in a year.

In addition, the Bank of China has also introduced the GBP International Card and HKD Card, both of which are single currency cards, and a certain annual fee is required. If cardholders swipe their cards in Britain, China and Hongkong in the future, they may wish to apply for these two cards.

2. Before traveling abroad, make a phone call or surf the Internet to learn about the special functions of the bank's credit card in consumption abroad and the overseas credit card promotion activities launched by the credit card you carry, so as to obtain more preferential and practical money-saving information. Overseas credit card spending is large, which is a good opportunity to accumulate credit card points. The points earned by cardholders who spend their credit cards abroad can be exchanged for flight mileage rewards.

Third, if you plan to spend a lot abroad and are worried that your credit card limit is not enough, the cardholder can apply to the bank in advance to adjust the temporary limit. It is recommended to take two or three credit cards from different card issuers to travel, which can be used as backup for each other while solving the quota problem.

Question 3: What bank card is more convenient for going abroad? In foreign countries, ATMs with visa or master logo (logo on your credit card) or UnionPay logo can be accepted in principle. Credit card or UnionPay card (pos machine with UnionPay logo is required) can be used for consumption abroad. If you want to withdraw money as you said, there is absolutely no need to use a credit card or UnionPay card, because it takes a certain handling fee to withdraw cash with these two cards, and the credit card can only be US dollars. If you use UnionPay cards, you have to deposit them in China in advance, and then you have to use RMB to purchase foreign exchange for repayment. In short, it is not cost-effective, and there are still troubles.

Suggestion:

If you don't need much cash to go abroad for a short time, change it to carry-on at home or change it to RMB locally.

If you are going abroad for a long time, it is recommended to open an account locally and then remit money from China to an account abroad. If you are a western country such as the United States and Canada that can use traveler's checks or global money orders, you can go to the bank to handle traveler's checks or global money orders and bring them to the local area (these two kinds are equivalent to cash, which are common and convenient to use in these countries).

Question 4: What credit card does China Merchants Bank recommend you to apply for a full-currency credit card? China Merchants Bank issues all kinds of full currency credit cards such as VISA, MasterCard and BOOKING. No matter when, where and how you use them, when you use them for consumption or withdrawal, you will be exempted from the currency exchange fee of 1.5%, making your consumption more convenient.

Question 5: Which bank's credit card is more suitable for going abroad? Yes, you can.

Generally, you can apply for places, whether it is multiple people or others.

You can call the customer service phone of the bank to ask related questions.

Question 6: Which credit card is better for going abroad frequently? Pufa ae White and China Merchants Jin Dian Platinum Card are both good. If you can't handle it, you can handle the Pufa Dream Card or CITIC visa High-end Card. Look at my avatar website, there is a credit card recommendation column.

Question 7: What credit card should I use for traveling abroad? It depends on which country you go to. For example, in the case of Chuben, it is best for jcb to settle in Japanese yen. For example, visa or master can be used in other Europe and America. Of course, the UnionPay debit card is also good and the most economical, but its popularity is not very wide.

Question 8: I plan to travel abroad. What kind of credit card will be better? To be honest, there are several situations in which you can swipe your card abroad:

First, you can use UnionPay, so you must use UnionPay and convert it according to the central parity of the local currency and RMB exchange rate of the People's Bank of China on that day. There is no loss, and the credit card handling fee is also paid by the merchant. In this case, to be honest, the purpose of overdraft deduction is not necessarily to swipe a credit card, but a savings card with the UnionPay logo can be used;

Second, you can't brush UnionPay. Assuming that the local currency is US dollars, you can swipe your US dollar card. Just pay back the dollars when you come back, and there will be no other losses after deducting your loss of changing dollars. However, if the local currency is not US dollars, but you swipe the US dollar card, you must first exchange the US dollars into your credit card bill in local currency, and the bank will charge a currency conversion fee of 1.5%. This 1.5% is quite high, in other words, it is not cost-effective, so when you ask what kind of card to apply for, you'd better apply for more, all of which are dual-currency credit cards. The purpose of applying for multiple cards is to have a dollar card, a euro card and a yen card at the same time, so that at least when you go to countries with dollars, euros and yen, you can swipe these three cards accordingly. If you go outside these places,

Question 9: What kind of card is suitable for overseas tourists? Introduction of overseas travel credit card! After a long investigation, I came out today! I hope I can help my friends who want to travel abroad. Credit cards should also be "professional counterparts" to reduce exchange rate losses. "Use American Express Card in America and European Travel Card in Europe!" This is an introduction to the experience of various travel experts. Many bank financial planners also suggest that these special credit cards can be used when traveling abroad, which can not only enjoy many shopping discounts, but also get many value-added services. According to the introduction of travel experts, I refined two kinds of credit cards for you to choose from. If you travel to the United States or the US dollar area, the cardholder can exchange American Express traveler's checks at any American Express travel office with the American Express card of China Merchants Bank, which can be used directly as cash. At the same time, China Merchants Bank American Express cardholders will also enjoy emergency support services including information inquiry of embassies and consulates, medical service inquiry, doctor dispatch, lawyer and translation information inquiry. At the same time, it also enjoys multiple travel guarantees such as aviation accident insurance of up to 5 million yuan. If you want to travel to Europe, you can apply for the European Travel Card of CITIC Bank, but you need to submit the application online. This is the first Euro/RMB dual-currency credit card tailored for European business travelers, tourists and international students. Cardholders can settle accounts directly in euros, and there are special discounts for booking air tickets and hotels on the exclusive platform. Similarly, if you want to go to Japan, you have to get a yen card, and if you want to go to Hong Kong, you have to choose a Hong Kong dollar card. This is mainly because our UnionPay network has not been fully rolled out. In some countries and regions, not every merchant can swipe UnionPay cards. Choosing the right card is to minimize exchange rate losses. For example, if you spend money by credit card in Europe, the bookkeeping currency is euro, and you have to convert the euro into US dollars when you check out, and then you have to convert the US dollars into RMB when you repay in RMB. Think for yourself, how complicated is this process? Invisibly increased the process of foreign exchange, which is the loss of money! There is also a "dual currency credit card" for overseas travel. Of course, there is also a credit card that can support two currencies at the same time. I checked, holding this card requires a one-time payment of 65438+ 0%-2% of the total transaction amount, and at the same time bears the exchange rate risk. Therefore, it is not recommended, which, like the above example, will increase exchange rate losses. In overseas areas where RMB credit card business has been opened, it is best to choose UnionPay card. Because, through the UnionPay channel, the consumption amount will be directly converted into RMB at the exchange rate, so there will be no exchange fee. This process only involves an exchange rate exchange process, and the RMB paid is the least. However, I have to explain to you that overseas, VISA and MASTER have more outlets and are more convenient to use, while UnionPay cards have few outlets. Generally speaking, it is the most cost-effective to get a credit card. Special note: there is no password for overseas credit cards! You don't need a password to use a credit card in consumption abroad. Even if you swipe a credit card with a credit card password, you don't need a password overseas (except UnionPay line). Therefore, I want to remind you that you must take good care of your credit card and cash. Once the card is accidentally lost, you should immediately call the bank to report the loss. I hope I can help friends who want to travel abroad!

Question 10: What kind of credit card is better for studying abroad? Personally, I think it is better for you to apply for a credit card abroad.

If you must apply for a card, you can apply for a mother card, which means two cards for one household.

If your family takes a card, it can be used if your family can remit money to the card, but if you want to withdraw money from the mother card abroad, you have to pay a 5% handling fee, which means that you have to pay the bank $50 for 1000.

But if you use MasterCard, you don't have to pay the handling fee, and you can also overdraw.

As for how to handle the mother card, please consult your local bank. I only know that I have to pay a certain amount of money as a deposit before I can overdraw that card.

What card is convenient to use if you want to travel abroad?

I wonder if the subject refers to the bank card? Or a calling card that can be used locally?

1, one debit card (any bank is ok, 5 are recommended).

When traveling abroad, in addition to bringing enough cash (some countries have restrictions on the entry of cash, and too little cash will be repatriated), it is also recommended to bring a debit card to withdraw cash in unexpected circumstances (such as running out of cash). At present, the five major state-owned banks basically have branches overseas, and they can directly exchange foreign exchange with debit cards and get local currency.

Other smaller banks are not impossible, but sometimes they will incur extra expenses, which is not as convenient as the five major banks.

2. Credit card

First of all, UnionPay can also be used. The English name is unipay. When a clerk sees a domestic guest issuing a dual-currency card, he will ask whether to use UnionPay or visa/master. UnionPay is better, and the exchange rate can be saved.

VISA or MSATERCARD will do. Cards with these two comparisons are basically universal at present. At present, domestic banks can apply, just select "dual-currency credit card" in the application form. The acquisition method is very convenient. Credit cards can be prepaid abroad, which solves the problem of not wanting to carry too much cash.

There is also a card marked "AMERICANEXPRESS", which is the famous American Express, famous for its black card-Centurion Card. However, in China, co-branded cards are all in cooperation with big banks, so it is a bit difficult to apply. Ordinary friends don't need this card.

3. Alipay/WeChat

In fact, many countries can use Alipay and WeChat now. When paying, just ask the service staff whether they can use Alipay or WeChat. Many foreign stores will post Alipay and WeChat LOGO outside the store, so that when paying, they will understand directly by taking out the mobile phone clerk. Very convenient! After all, China bought out the whole world. Ha ha.

Hello, my friend, I am the sea. I'm glad to answer your question, "What card is convenient if I want to travel abroad?" "

I often travel abroad. I think I have to prepare some cash first, and then the bank card. Because there are fewer places to swipe your card in some remote and backward countries, it takes time for you to find a place to swipe your card everywhere. So prepare some cash for a rainy day.

If you go to an economically developed country, shopping malls and shops can generally swipe their cards. Just bring UnionPay card, visa card and MasterCard. And now many countries can withdraw cash as long as they have UnionPay ATMs, which is very convenient, but there is a handling fee. Nowadays, with the continuous development and progress of science and technology network, some countries can still use Alipay.

It's better to know the payment method of the country you want to go to online before you travel, which is better, safer and more reassuring. Generally, you can travel around the world with two cards, MasterCard and visa, because these two cards have a wide coverage in the world.

I hope the above experience is useful to you, thank you.

In Asian countries, you can use a credit card or debit card with the UnionPay logo. Outside Asia, especially in Europe and America, you must have a credit card or debit card with the VISA logo (but not many debit cards have this logo).

In many countries, credit card spending must be my own credit card (for example, a wife can't use her husband's credit card to spend money without his presence).

In addition, in European and American countries, you can swipe your card directly without a password (even if your password visa is complicated), just need the cardholder's signature to confirm.

ICBC's multi-currency credit card supports 10, which is very powerful.

China Bank's global credit card is also good, free of currency conversion fees.

I think other dual-currency cards are much weaker than these two, and I have used them.

For debit cards, choose the global free atm withdrawal method. Ping An Debit Card is no longer free. Huaxia debit card depends on where you do it, and Huaxia in many cities is not free.

By the way, you can't imagine the power of Alipay and WeChat, and you can basically use them at will in most countries! [Yi tooth] [Yi tooth] [Yi tooth] [Yi tooth]

First of all, I think cash is necessary, because credit cards can't be swiped in some places. Here, regardless of developed or underdeveloped places, for example, small shops in some countries and regions can't swipe their cards, and even many restaurants in Hong Kong can't swipe their cards, so cash must be prepared. Secondly, there is the bank card. If it is a bank card, visa card and master card are commonly used abroad, so these two cards can basically travel all over the world.

In addition, there are actually many kinds of payment methods. If you go out for a trip, it should be safest to prepare all kinds of methods. For example, mobile payment functions such as WeChat and Alipay can be used in many countries and regions. In addition, UnionPay cards have signed agreements in many countries and regions. As long as ATMs have UnionPay cards, they can withdraw cash. However, there is a problem of handling fees or machine use fees. The exchange rates between banks may be different, as long as you know clearly in advance. Including in many shopping malls, in addition to visa and master credit cards, you can also use UnionPay to swipe your savings card. Therefore, it is safest to know the payment method of the destination in advance before going out, which can save a lot of unnecessary troubles and make yourself happy to play and buy.

First of all, I'm happy to answer your question. I am a wealthy traveler.

I don't know if you want to consult a bank card or a mobile phone card, so I'll just talk about two points that I find convenient.

Mobile phone SIM card

At present, the three major mobile phone operators in China can handle global roaming services, but I feel that the price is slightly higher and it is not suitable for long-term use of the network abroad. Generally speaking, I will buy a foreign local calling card in a treasure in China before I leave. I remember buying a Malaysian calling card before, and I can use it for more than 30 yuan 10 day with unlimited traffic 100 minutes. There are many overseas calling cards on the Internet for overseas travel, but it must be remembered that you must go abroad to get a card, and you cannot use it at home.

Which bank's credit card is better for traveling abroad?

Which bank's credit card you choose to travel abroad actually depends on which country you are going to.

At present, there are five major card issuers in the world:

VISA (Visa International Organization) is the largest credit card organization in the world, headquartered in San Francisco, California, USA.

MASTER (mastercard international), mastercard international has now developed into the second largest international credit card organization in the world after Visa.

AE (American Express), American Express is one of the largest credit card companies in the United States. Founded in 194 1, 1958, American Express cards were issued. It is currently the third largest credit card organization in the world.

JCB (Japan Credit Bureau), founded in 196 1, is the first specialized credit card company in Japan, representing Japan.

UnionPay (China UnionPay) is a joint-stock financial institution established by more than 80 domestic financial institutions with the approval of the People's Bank of China, with a registered capital of 65.438+65 billion yuan.

At present, the single-currency credit cards issued by domestic banks are all owned by these five credit card organizations. So we can choose the corresponding card type according to the tourist area. For example, Bank of China issues UnionPay single-currency credit cards and MasterCard single-currency credit cards, as shown below:

VISA and MasterCard are widely used in the world, almost all over the world. Generally speaking, the coverage of VISA and AE is the largest in North America, especially in the United States. There are basically no unusable AE cards, so you can go to the United States with a VISA or AE card issued by any domestic bank. For example, Bank of China also issues AE cards separately.

You can choose MasterCard when you go to Europe, because MasterCard organizations are more widely distributed in European countries, which is more convenient to use, and then you can bring a VISA card for backup. It is also a VISA credit card issued by the Bank of China.

JCB card is the first choice to go to Japan, and all merchants who can swipe credit cards in Japan can support JCB cards. This is the JCB Lucky Cat Card issued by Bank of China.

VISA and MasterCard can be used in Southeast Asia, and generally both card organizations will support them.

Of course, UnionPay cards are supported by many shopping spots in the areas frequented by China tourists, and there are also many discount activities for UnionPay cards. For example, in large shopping centers in Japan, there will be a 15% discount when paying with UnionPay cards, so you must bring UnionPay credit cards and swipe UnionPay cards, just in case.

In addition to the above rules for selecting cartoons, each bank has different preferential strength for consumption abroad. For example, Bank of Communications Platinum Credit Card, commonly known as Bai Qilin, can earn 10 times points when spending in designated countries abroad. China Bank's all-currency international chip card, Great Wall International Zhuojuan card's overseas online consumption cash back 5%, Great Wall Global Free Credit Card's overseas offline consumption cash back 5% and so on.

Personally, I like to use the full-currency international chip card of China Bank best, because most foreign transactions are usually recorded in US dollars converted from local currencies, so I often need to purchase foreign exchange and return the US dollar bill when I repay the next month. The all-currency international chip card can choose to automatically convert local currency into RMB, so it only needs to be returned to RMB.

In terms of exchange rate, the exchange rate of MasterCard among the five major institutions is slightly better than that of other card issuers in most cases. Shopping in Hong Kong on the same day:

Visa route, spending 105.6 Hong Kong dollars, accounting for 89.44 RMB, exchange rate of 0.8469.

UnionPay route, spending 299.2 Hong Kong dollars, accounting for 253.3 RMB, exchange rate of 0.8466.

AE route, spending HK$ 62.9, accounting for RMB 53.2, exchange rate of 0.8457.

Of course, the exchange rate is almost negligible for small consumption, but it should be calculated for large consumption. Therefore, I use the MasterCard full-currency credit card of China Bank every day when I leave the country, and then I have a UnionPay single-currency card that is also the Bank of China. I can double my points by swiping MasterCard, and I can enjoy the special discount of UnionPay by swiping UnionPay, which is a perfect match for me personally.

Which bank should I apply for a visa credit card to play abroad?

Outbound tourists spend money in foreign countries, Hong Kong, Macao and other regions, and use RMB UnionPay cards to pay less currency conversion fees when repaying money than using international cards. A person from China UnionPay said that international card organizations have to charge some currency conversion fees in foreign exchange business, that is, service fees. At present, when the cardholders of "UnionPay Standard Card" are in consumption abroad, UnionPay will make a one-time conversion (without intermediate currency transfer), and only carry out currency conversion at the prescribed exchange rate, without charging any currency conversion fee, which is a big advantage that UnionPay card is different from other international cards such as VISA. \ \ The specific conversion rate is unknown. It seems to be 1-2%. Just use UnionPay in Hong Kong. There are UnionPay POS machines everywhere. If there is no card, you can use RMB. They also welcome the RMB. Now many countries in Europe have opened UnionPay cards. When I was in Germany, I used UnionPay cards to shop and stay in hotels, which was very convenient. But now they are all dual-currency cards. You can get a dual-currency card. When swiping the card, if the merchant has the UnionPay logo, let him take the UnionPay line. If there is no UnionPay logo, take the VISA or MASTERCARD line. This can save a little. \

What credit card is better for traveling abroad?

What credit card is better for traveling abroad?

How to choose a credit card for overseas travel can make overseas consumption more cost-effective, which is really a bit particular. Credit card experts say that there is not much difference in choosing which bank's credit card to use. The most important thing is to distinguish between dual-currency cards and cards.

Dual-currency cards and UnionPay cards save money. When PK cardholders use dual-currency credit cards abroad, they need to pay a one-time currency conversion fee of 65438+ 0%-2% of the total transaction amount, and bear the exchange rate risk.

Feel it with a card. General credit cards are divided into simple UnionPay cards, UnionPay VISA/MASTER/JCB (including all-currency cards. ) I have three cards, simple UnionPay card, UnionPay JCB card and full currency card. I feel that the two can complement each other, and of course it depends on which country you visit more.

Generally, the process of swiping cards is to ask merchants whether they support UnionPay cards, and UnionPay cards are preferred. When checking out, tell the cashier that there is a UnionPay channel to go. Swipe your card on UnionPay online and settle directly in RMB; If you swipe your card on an international line, in this case, the main line, then it will be settled in US dollars. Since the credit card consumption abroad will be settled in US dollars, if the consumption amount is not US dollars, there will be an exchange fee between the two currencies, that is, 65438+ 0.5% of the transaction amount, and the exchange fee will be charged by the bank on behalf of international organizations. If the consumption amount is USD, no settlement fee will be charged. If you use a full-currency credit card, you can spend it anywhere in the world, and the currency exchange fee is zero. The function of purchasing foreign exchange will be activated automatically, and you can purchase foreign exchange in RMB for repayment.

This involves where to go and what card to use. For example, when I go to Korea, many merchants support UnionPay, so it is no problem for me to go directly to a separate UnionPay card. Another important reason is that the UnionPay channel has many discounts in South Korea (many Asian countries have them)! There are some exclusive offers for UnionPay cards in China! As for this JCB card, it was done for the sake of beauty. It is completely equivalent to VISA and master, which is a dual-currency card. It is absolutely no problem to spend money in the United States or dollars, that is, it is equivalent to the master in your hand. Non-US dollars and regions that do not support UnionPay should consider handling fees. As for all-currency cards, China Bank, Industrial and Commercial Bank, China Merchants Bank, China Construction Bank and other banks do have them now. In fact, the operation of this card in various banks should be similar, as mentioned above. So let's see which is more convenient. I have a full-currency card of CCB in my hand. It is very convenient to use, and I have not received any notice of currency conversion fee. I have tried it in Korea, Vietnam, Thailand and Taiwan Province Province, and there was no pressure during the whole process. If you often go out to play, you can actually consider getting a full-currency card.

I hope the above information is helpful to you ~