Is digital currency related to credit card
2. China UnionPay was established in March 2002 with the approval of the State Council and the approval of the people's Bank of China
response time: October 21, 2020. Please refer to the official website of Ping An Bank for the latest business changes
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1. Coverage
all foreign currency transactions of full currency credit card are automatically recorded in RMB, only repaying in RMB
multi currency credit cards can be paid in multiple national currencies, including RMB, US dollar, euro, Hong Kong dollar, British pound, Japanese yen, Singapore dollar, Canadian dollar, Australian dollar, Swiss franc and New Zealand dollar (currently supporting 10 foreign currency currencies)
2. Handling fee
there is an annual fee for all currency credit card, and there is no annual fee for five times of swiping gold card; The annual fee of platinum card is 2000, and the consumption of 20W in the annual cycle is free. There is no currency exchange fee for all currency consumption or cash withdrawal
when a multi currency credit card is used in the corresponding countries or regions of 10 foreign currencies, it will be automatically consumed according to the local currency without conversion fees
3, reimbursement method
all currency credit card domestic available Alipay repayment, automatic purchase of foreign exchange can be automatically repurchased from debit card on repayment day, RMB can be purchased for foreign exchange repayments, or foreign currency can be repaid directly. p>
multi currency credit cards can use RMB to purchase foreign exchange for repayment, or use foreign currency for direct repayment
4. Additional benefits
travel insurance with full currency credit card. If you buy my ticket in full or pay 80% or more of my tour fee, you can get free travel inconvenience insurance and aviation accident insurance up to 2 million yuan
expansion data
how to apply for credit card
in most cases, a citizen with a full civil capacity (a Chinese mainland citizen who is over 18 years of age) and a certain source of direct economic origin may apply to the issuing bank for credit cards. Sometimes, a legal person can also act as an applicant
the objects of applying for credit cards can be divided into units and indivials. The applicants should be institutions, enterprises, foreign-funded enterprises and indivial businesses with independent legal personality in China. Each unit applying for a credit card can get one main card and several (5-10) subsidiary cards according to its needs
when applying for a credit card, an indivial must have a fixed occupation and a stable source of income, and provide guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee
the application method is generally through filling in the credit card application form, which generally includes the name of the applicant, basic information, economic status or source of income, guarantor and basic information, etc. And submit a certain certificate and certificate to the card issuing bank. After filling in the application form truthfully, the customer should submit the completed application form and relevant credit certificate at the same time
the application form is attached with the contract of using the credit card, the applicant authorizes the issuing bank or relevant departments to investigate its relevant information, and submits a statement on the authenticity of the information, the issuing bank's privacy protection policy, etc., and the applicant's autograph is required
reference source network - ICBC multi currency credit card
reference source network - China Merchants Bank full currency international credit card
visa itself does not issue cards directly. In the Asia Pacific region, visa has more than 700 member financial institutions that issue a variety of visa payment instruments, including credit cards, debit cards, corporate cards, business cards and purchasing cards. These procts can make people feel safe, convenient and reliable when they consume< But now many savings cards also have such a logo. So I think it is the name of a route and trading system, which is different from MasterCard and JCB. For example, some of the savings cards have both UnionPay and visa, so that when you go abroad, if the overseas visa function is opened, you can take the overseas visa route. It is settled in US dollars, that is, you can use it when you go to the countries of pound sterling and euro, but it is converted by visa exchange rate
Second, there are also such cases on credit cards, some of which have visa and UnionPay, but some of which have MasterCard and UnionPay. It's a different route. In China, we all take the UnionPay route, because this is a Chinese organization. If we take the overseas route, we will make a mistake and it will not be cost-effective.
has nothing to do with credit card
credit card is also called credit card. It is a kind of non cash transaction payment method, which is a simple credit service
a credit card is a credit certificate issued by a commercial bank or a credit card company to qualified consumers. Consumers with credit cards can shop or consume in special commercial service departments, and then settle accounts with merchants and cardholders. Cardholders can overdraft within the specified amount.