What credit card should I use for domestic travel and for foreign travel?

1. What credit card is better for traveling abroad?

As it happens, I just gave similar answers to other questions for your reference:

Generally speaking, there are three aspects to consider when using a credit card when traveling abroad: convenience, rate and security.

1. Convenience: Visa, Master, American Express. You just need to check whether there is a corresponding sign on your credit card. At present, UnionPay is easy to use in Southeast Asia, but less in other countries.

2. Interest rate: The following are the interest rates of major banks, which may change. Please consult the issuing bank for specific rates. Other city commercial banks have free rates, and you can also consider charging around 8 yuan per transaction.

Bank of China:1.5% (Visa/Master/American Express), 1%(JCB), partial 0%.

Industrial and Commercial Bank of China: 1.0%(Visa), 1. 1%(Master), partial 0%.

Agricultural Bank: 1.0% (visa), 1. 1% (master)

China Construction Bank: 1.5%

China Merchants Bank: 1.5%

Industrial Bank: 1.5%

China CITIC Bank: 65438

Minsheng Bank: 1.5%

China Everbright Bank: 1.7%

Bank of Communications: 1.75%

3. Security: As the use of credit cards abroad generally does not require a password, but only a signature, resulting in serious theft of credit cards, it is very difficult to protect rights. It is suggested to limit the daily consumption of credit cards, so that even if the credit cards are stolen, the losses are limited. Some types of cards can turn on or off the overseas payment function. Remember to turn it off when you go home.

Please like and pay attention to the above answers if they are useful. Thank you.

edit

Is it better to use a credit card or a savings card when traveling abroad?

China bank cards can be used abroad under the following circumstances:

1.VISA, UnionPay and MasterCard are all used.

2. Ordinary debit cards with UnionPay logo and international credit cards with Visa and MasterCard logo issued by ICBC can be applied for and used abroad.

You can apply for an international card in Zhang Zhongxing. You can use three currencies: euro, pound and dollar. You can only pay the deposit for this one. The amount of your overdraft depends on how much deposit you have paid, and the deposit will be frozen regularly by the bank.

4. Foreign branches of China Bank and ATMs and shops with UnionPay logo abroad.

3. What credit card is better for traveling abroad?

As long as it is a full-currency card and has joined an international credit card organization, you can swipe your card abroad.

Whether you can swipe your card depends on whether the card type corresponds to the label of the POS machine. Generally, foreign card organizations can brush each other. For example, if your card is a VISA card, you can swipe the American Express label on the POS machine. However, UnionPay cards can only be swiped on POS machines marked with UnionPay logo.

There are several big credit card organizations, such as American Express, Visa and MasterCard. Abroad, but only China UnionPay.

Famous international credit card organizations and famous credit card companies.

1. Pass card

2. MasterCard

3. Diners Club (Diners Club)

4. American Express (American Express Card)

5. Digger

VisaMasterCard and VisaMasterCard are international credit card organizations, which do not issue cards themselves, but are issued by banks that are members of the agreement. Major domestic banks have basically joined these two organizations.

Credit cards issued by domestic card-issuing banks include RMB and USD dual-currency credit cards. You are free to choose credit cards issued by MasterCard or Visa, members of two international organizations.

4. What is the best credit card for domestic travel?

China CITIC Bank Standard Credit Card Gold Card

Free flight delay insurance

Cardholders can get flight delay insurance for free by ordering air tickets through designated channels, and the premium can reach up to 5,000 yuan.

Free aviation accident insurance

As long as you pay 80% or more of the air ticket or tour fare with CITIC Platinum Credit Card, you can get high accident insurance for free. The insured amount is as high as150,000 yuan, and the spouse's children are guaranteed.

Annual fee: 200 yuan (free in the first year, free to swipe your card 5 times in the second year).

Interest-free period: up to 50 days.

Industrial Bank Friendship Business Travel Platinum Credit Card

Airport VIP room courtesy:

You can enjoy VIP services at domestic and foreign airports for six times a year for free.

Aviation accident insurance:

Within one year from the date of surrender, I will pay more than 80% of the total tour fare or air ticket price by credit card, and I can get the highest aviation accident insurance of 654.38+million free of charge without any additional formalities.

Advanced integral:

10 integral = 1 mileage. Intergroup correlation

5. What is the best credit card for going abroad?

It is almost an essential choice to have a full-currency credit card when traveling abroad. The biggest advantage of the all-currency card is that it can avoid the currency conversion fee, which is usually 1% of the consumption amount. About 5%, you will be charged when you swipe your card through the network of international card organizations such as Visa/Master in the non-US dollar area.

Foreign currency consumption is accounted for in RMB, which is the second advantage of the all-currency card, because it can avoid a lot of troubles caused by foreign exchange purchase. At present, most all-currency cards have the above two advantages. All-currency credit cards are usually single identification cards (that is, cards are only marked with one card organization such as Visa or Master, and vice versa), and they often need to be applied at the same time as UnionPay single identification cards.

As for the double-label card, it depends on the specific situation. Some dual-label cards can't avoid currency conversion fees, and some are the same as full-currency cards. I hope my answer can help you! Hello, both VISA and MasterCard are ok. They are two major international credit card settlement systems.

China has joined these two international organizations. All credit cards in China are basically marked with VISA or MasterCard. Besides, it depends on which country you go to, such as Japan, jcb is the best and Japanese yen is the best. For example, visa or master can be used in other European and American countries.

Of course, the UnionPay debit card is also good and the most economical, but its popularity is not very wide.

6. What credit card is better for traveling abroad?

Credit card or credit card?

Overseas cash withdrawal: debit card cash withdrawal only needs to pay the handling fee, while overseas credit card cash withdrawal needs to pay the interest on the pre-borrowed cash in addition to the handling fee. Therefore, it is recommended to use a debit card for overseas withdrawals.

Consumption abroad: Overseas credit card spending can be overdrawn and enjoy a certain interest-free period. In addition, many banks' discount and cashback activities are mostly aimed at credit cards. In addition, some merchants in some markets can only use credit cards, not debit cards. Therefore, it is recommended that overseas credit cards be preferred.

Chip or magnetic stripe card

The biggest advantage of chip card is security, which can effectively avoid criminal acts such as side recording, fake cards and credit cards. At present, there has never been a fake card fraud incident caused by chip card copying in the world.

However, the pace of chip transformation in overseas markets is not exactly the same. In France, United Arab Emirates and other places, the acceptance rate of chip cards is close to 100%, but in the United States and other places, most merchants still cannot use chip cards.

Therefore, if you leave the country now, the composite card with chip magnetic stripe is the best choice. Businesses that can use chip cards can consume them, which can ensure safety. However, in the case of POS without chip modification, the merchant will automatically downgrade the transaction, that is, use the magnetic stripe card to complete the payment.

Advantages of unionpay card

At present, UnionPay cards can be used in 160 countries and regions around the world, covering most popular tourist destinations. These covers are not limited to scenic spots and department stores. More and more supermarkets, restaurants, public transportation and other daily businesses can also use UnionPay cards for consumption. It's no problem to travel in depth.

For China people, there is no currency conversion fee for using UnionPay cards overseas or spending or withdrawing money through UnionPay network. The local currency transaction amount will be directly converted into RMB according to the market exchange rate. The exchange rate used by UnionPay is a relatively favorable exchange rate based on the principles of multi-channel and marketization.

In addition, unionpay international and the United States have increasingly enriched their global preferential systems. Most preferential businesses are loved by tourists in China, and value-added services such as tax refund and emergency cash support are also very practical.

Due to historical reasons, some UnionPay cards in your hand may have two brand logos on the surface, which we call double-label cards.

When traveling abroad, it is recommended that you bring a UnionPay single label card with a card number beginning with 62, which can ensure that you can enjoy all kinds of preferential activities and value-added rights provided by UnionPay. In addition, in a few countries, such as the United States and Canada, you can not choose a trade union.

Third, in foreign countries, how to use the card is the correct posture.

Can I use UnionPay cards?

Download unionpay international APP to check the acceptance of destinations. Generally speaking, the acceptance of popular tourist destinations is generally good.

When spending abroad, you can see if there is a UnionPay logo on the ATM or POS terminal. If there is a logo, of course it is acceptable. Due to the practice in some countries, the UnionPay logo may only be displayed on ATM screens (such as Europe).

Of course, there are many stores that can accept UnionPay cards. No, I didn't post a UnionPay card. You can ask the clerk on your own initiative.

Do I need to enter a password to swipe my card?

This situation is more complicated.

A. The first situation: domestic and overseas

Many friends are curious. In China, you have to enter a password to swipe your credit card. Why do some foreign merchants swipe their cards but keep them secret? Is it safe?

Confidential transaction is a payment habit in some countries, such as the United States, South Korea and Japan. If you spend money in these countries, even if it is a credit card with a password, you don't need to enter the password, but sign to confirm the consumption.

Most UnionPay cards issued by domestic national and regional banks support password secrecy (including the largest 15 bank). That is to say, if you hold UnionPay cards issued by these 15 banks, you don't need to do anything before going to countries where confidential transactions are avoided.

If other bank card holders need to use confidential payment in these countries and regions, they can contact the issuing bank to cancel the transaction password before departure, so that overseas confidential merchants can use it.

B. the second situation: domestic and overseas.

On the contrary, when using UnionPay credit card without password in some overseas areas, due to local industry regulatory requirements or system function limitations, cardholders will be required to enter any four or six digits, and sometimes cashiers will directly tell cardholders to enter six zeros.

Generally speaking, it is best to brush UnionPay credit cards overseas:

1. Call the issuing bank to ensure that your card supports confidentiality;

You don't need to pay special attention to whether to enter the password. You should trust the cashier's instructions and swipe your card boldly.

Is there anything to pay attention to when withdrawing money?

1. Pay attention to the withdrawal limit.

Use overseas UnionPay cards to withdraw money from ATM machines. The daily cumulative withdrawal of debit cards shall not exceed the equivalent foreign currency of 65,438 yuan+00,000 yuan. If there is a large cash demand, it is recommended to bring more UnionPay debit cards.

Some secrets of 2.2. ATM

According to regional customs, ATM machines in some countries and regions adopt the form of returning cards first and then spitting money. Please don't forget to bring money.

When traveling abroad, we often encounter some problems, that is, what kind of credit card should we choose? So, today, Bian Xiao will show you the bank card we used when we left the country. Friends who are still unclear, let's meet!

Take foreign currency change, debit card and dual currency card.

When traveling abroad, you have to pay a certain amount of tips and self-funded items, so you need to leave enough change. If not, if you don't want to bring too much cash, you can withdraw foreign currency from foreign ATMs. Some foreign banks, such as Bank of China, Industrial and Commercial Bank of China and China Merchants Bank, all have overseas ATMs, which can help you when you are short of cash.

However, since most banks have to charge a certain fee for overseas ATMs, it is better and more cost-effective to spend money abroad by swiping the card.

For the sake of card security, you need to carry more than two cards with you, and it is best to carry a debit card with a certain amount of RMB, because it can also be used on overseas UnionPay card readers.

Dual-currency cards generally need to bring a dual-currency identification credit card of VISA and MasterCard, so you don't have to worry about traveling abroad.

Where you can brush UnionPay cards, try to brush UnionPay identification cards.

Overseas travel can be settled in currencies other than US dollars in many areas, including British pound, euro, Hong Kong dollar and Japanese yen. Although some of them can be settled in US dollars, there will be currency conversion problems and currency conversion fees will be paid.

Moreover, if you want to swipe your card through non-UnionPay channels, you need to convert other currencies into US dollars and then into RMB. Because of these two changes, exchange

Therefore, UnionPay cards should be used as far as possible for consumption in areas where non-US dollar currencies are used overseas. Before spending, it is best to explain to the merchants the use of China UnionPay credit card machine.

At present, UnionPay American POS machines have a certain coverage in Asia-Pacific and some European and American regions, and are more suitable for non-American currency settlement, which is very suitable for us in consumption abroad.

Consider giving credit cards to as many airline insurance banks as possible.

At present, most bank credit cards have certain aviation accident insurance gifts, and cardholders can choose their own credit cards for overseas travel.

Travel in Europe and America: Choose card type according to currency.

The currencies in circulation in Europe and America are different. At present, major banks in China have launched dual-currency credit cards to meet the needs of different groups of people, such as Euro cards issued by Bank of China, China CITIC Bank and Minsheng Bank, GBP cards issued by Bank of China, JCB yen cards issued by Bank of China and Australian dollar cards issued by Minsheng Bank.

There are many ways to win the credit card war of foreign consumption.

It should be noted that at present, most dual-currency credit cards are RMB/USD dual-currency credit cards, so the functional currency of countries whose common currency is not USD is local currency. At the time of settlement, the local currency should be converted into US dollars at the exchange rate on the day of consumption, and US dollars should be converted into RMB at the exchange rate on the day of repayment by customers.

Therefore, it is advisable to choose Euro Card for consumption in Europe, and you can directly purchase foreign exchange in euros or RMB for repayment, which can successfully save the link of exchange rate conversion of the US dollar.

China, Hong Kong and Macao Tour: UnionPay card is the first choice.

Hong Kong and Macao are full of sexy and urban atmosphere. It is not easy to keep your purse under the temptation of delicious food, flagship stores and sea view rooms.

How to save the currency conversion fee generated by credit card consumption? Compared with MASTER and VISA international cards, you have to pay the card issuer a handling fee of about 1%. UnionPay card saves you a lot of money.

In addition, because the payment currency of UnionPay card is RMB, it can be repaid directly in RMB, which also brings a lot of convenience to cardholders.

Travel tips

In many overseas areas, you don't need a credit card to spend money. You don't need to enter a password, you can pay by signing directly! So please be sure to keep your bank card! It is necessary to carry several credit cards when traveling abroad, which can not only make consumption safer, but also overdraw for emergencies.

Finally, it should be reminded that the cardholder should repay the loan on time, so as not to affect the credit limit and credit record.

7. What kind of credit card should I apply for when going abroad?

When going abroad, as long as it is MasterCard or Visa, no matter which bank it is, you can swipe your card directly abroad. UnionPay cards have certain restrictions, but they are still very convenient in some countries. At present, some large state-owned banks and joint-stock banks have launched overseas credit card preferential activities, which can be chosen according to their actual situation.

1. China Construction Bank can enjoy up to 7% cashback bonus when using Longka credit card in consumption abroad, and earn 1% cashback after tax refund.

2. Bank of Communications swipes the VISA credit card of Bank of Communications to shop in Lotte Duty Free Shop in Korea, and enjoys a discount of 5%~ 15% for designated goods. Booking the designated Korean tour products in Ctrip will also give you a credit card payment other than RMB 1000.

3. All-currency credit card of CITIC Bank S can be cashed back 5% when it reaches 3,000 yuan in consumption abroad every month;

4. Customers with VISAVIP card of China Merchants Bank can spend freely in nine shopping villages in Europe, and they can also get an extra discount of 10% and a 20% discount on bus tickets.

5. Customers of China Everbright Bank can enjoy 5 times points in consumption abroad by using China Everbright overseas discount card. In addition, some banks have also introduced exclusive credit card discounts for air tickets and hotel consumption.

6. Ping An Bank launched Ctrip's selected international air tickets to buy one get one free.

8. What credit card is better for traveling abroad?

I. Introduction of ICBC Global Travel Credit Card Global Travel Credit Card includes UnionPay and MasterCard, including platinum and gold. It is a brand-new product with multi-currency, cross-industry, wide coverage and high added value. After the listing of ICBC's US Global Travel Credit Card, it has been welcomed by many customers, especially international travelers. It is the best partner for customers to travel abroad, and has the global preferential services of one-card in ten industries, including aviation, hotels, shopping and leisure, famous products, tourism, study abroad, airport VIP rooms, car rental, tax refund and rescue. Two. Advantages of ICBC Global Travel Credit Card 1 UnionPay and MasterCard have dual channels, and there are many credit card channels in China, which can be repaid by Alipay. 2. You can use RMB to purchase foreign exchange for repayment, or you can directly use foreign currency for repayment, which is flexible; 3. There is a cashback function for consumption, and the credit card can actually give back; 4. Global Airport provides VIP room courtesy; 5. If automatic foreign exchange purchase is enabled, foreign exchange will be automatically purchased from the debit card on the repayment date; If the automatic purchase of foreign exchange is turned off, the foreign exchange will be purchased manually, and the foreign exchange handling fee will be exempted; 6. Whenever and wherever you swipe your card, you can enjoy the unconditional discount of directly exempting the currency conversion fee; 7. EMV standard chip medium is adopted, which has stronger encryption and safer and more secure card use; 8. It has integrated the unique rights and interests in the world: top ten airlines, top ten hotel groups, top ten high-end shopping, top ten luxury brands, top ten overseas study training, top ten travel agencies, tax refund facilities in 40 countries, emergency rescue in 70 countries, 150 national exclusive car rental, and VIP service in 600 airports. At the same time, it also provides cardholders with more discounts on clothing, food, housing, transportation, travel, shopping and school. 20 15 ICBC peony transportation card, PICC car insurance, ETC electronic label. Three. Disadvantages of ICBC Global Travel Credit Card: There is an annual fee. Gold card swiping five times is free of annual fee, platinum card annual fee is 2000, and annual consumption is 20W.

9. What kind of credit card should I apply for traveling abroad?

Friendship platinum card has a high-grade credit card with a limit of more than 50 thousand yuan from other banks, and its credit card record is good. You can also apply for Unieasy Platinum Card of Bank of Communications, and the application pass rate will be higher.

10. What credit card is better for going abroad?

Now commonly used credit cards are: UnionPay card, visa card and MasterCard. Credit cards with visa and mastercard logos are international credit cards, and there is no difference between using them abroad and using them at home. However, if your credit card is a UnionPay logo credit card, it can only be used at the corresponding UnionPay card swiping machine or bank abroad. If you can use the UnionPay channel for consumption, try to choose the UnionPay channel, which can save money conversion fees.

1 1. What credit card is better for traveling abroad?

Shanghai Pudong Development Bank American Express Platinum Card, with an annual fee of 200,000 points. There are many unchangeable rights and interests, but the conditions for handling cards are relatively high. To apply for the American Express Platinum Card of Shanghai Pudong Development Bank, you need good credit, and you can apply if you meet one of the following conditions:

1. The annual after-tax salary of domestic applicants is more than 400,000 yuan, and that of overseas applicants is more than 650,000 yuan;

2. Having a credit card from another bank, holding it for more than 1 year, with a limit of more than 1 10,000 yuan, and having a good repayment record.