Virtual currency for credit card payment
walk to Xuelin Street Wenze intersection station, take No.525, get off at Caihe new village station, take No.6 (or No.1) of B branch, and get off at Citizen Center (BRT transfer station south) station
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
cardholders can set limits for domestic online payment. All credit cards in your name share an online payment limit, which will not be restored e to repayment. If the limit is insufficient, please reset it in online banking. Professional payment, express payment and online payment of overseas websites are not limited by "online payment limit"
payment limit setting: log in to credit card online banking and click "online payment" → "online payment limit setting"
it can also be set by mobile phone: Download and log in to mobile banking, and enter "online payment" → "online payment quota setting".
if it takes a long time, it will not work
If DBS has a branch in Hong Kong, it can withdraw money from the DBS ATM of the Hong Kong Branch
according to the information provided by the financial planning and operation Department of the International Monetary Fund (IMF), SDR is a reserve asset and accounting unit created by the International Monetary Fund in 1969, also known as "paper yellow gold". It was originally created to support the Bretton Woods system, and later called "special drawing rights". Each SDR unit was initially defined as the price of 0.888671 grams of pure gold, which was also the value of $1 at that time
with the collapse of the Bretton Woods system, the special drawing right (SDR) has now become the unit of valuation of a "basket" of currencies. At first, the SDR was composed of 15 currencies. After years of adjustment, it is now integrated into a "basket" unit in four currencies: US dollar, euro, Japanese yen and British pound
as a right to use funds allocated by the IMF to Member States, China has a special drawing rights quota of 6.369.2 billion, which is the eighth member with the largest share, while the United States has a special drawing rights quota of 37.149.3 billion
in the event of a balance of payments deficit, the SDR owned by a member state can be used to exchange foreign exchange with other Member States designated by IMF to repay the balance of payments deficit or IMF loans. SDRs can also be used as international reserves like gold and freely convertible currencies. When the SDR is used as the unified unit of valuation, the conversion ratio between the currencies of IMF member countries and the SDR also reflects the exchange rate of each member country's currency. At the same time, it can better reflect the comprehensive exchange rate of a country's currency
SDR involves international settlement
as the unit of account of the International Monetary Fund, SDR is not a real currency. When it is used, it must be changed into other currencies first, and can not be directly used for trade or non trade payment. However, in many fields of international settlement, we can see SDR as a unit of international settlement< In other words, if the conversion ratio of RMB to SDR changes, it will affect the settlement of various international businesses related to China
for example, many Chinese enterprises use SDR as the pricing standard in terms of international long-distance telephone settlement, international shipping, international postal rates, compensation, etc
the most common is that the international roaming fees of China Mobile and China Unicom need to be settled by SDR. Both companies stipulate that for roaming users, the operator in the visited region or country will be charged according to the charging currency unit used by the operator in the visited region, which will be converted into special drawing rights at a certain exchange rate, and then converted into RMB by the special drawing rights< According to international practice, the exchange rate is subject to the exchange rate announced by the International Monetary Fund on the 23rd of last month when the call cost occurred; If the International Monetary Fund does not publish the exchange rate of the day in the event of a US public holiday, the exchange rate of the working day before the 23rd day shall prevail
people from the news center of China Unicom also said that China Unicom adopted the same charging method. For example, if a mobile phone user of China Unicom roams to Mobitel company in Bulgaria, the per minute communication fee for dialing back to China is 1.955sdr, and the RMB fee is calculated according to the exchange rate provided by the International Monetary Fund
in terms of aviation, the Convention for the unification of certain rules of international air transport also stipulates that in case of an accident, the airline shall make a compensation limit of 100000 SDR for each passenger< In addition, the Universal Postal Convention also stipulates that the standard currency of the Universal Postal Union is the special drawing right
in international mail and parcel delivery, the charges for receiving and sending mail, calculating the charges for returning and resending mail, and the compensation for mail are uniformly stipulated through the special drawing rights, and the national currency of each member country is calculated. At the same time, SDR is also used as the bookkeeping unit of account settlement among postal administrations. When making payment, the amount of SDR accounts is converted into the amount of payment currency and payment proceres are handled
the conversion ratio of SDR will not change frequently, but will be fixed for a long time“ At present, the ratio of SDR to RMB stipulated by the State General Post Office is 10.0539. " A staff member of Shanghai international express package company said
the reason why many international conventions use SDR as the standard currency is that the value of SDR is composed of four freely convertible currencies, which account for the largest proportion in international trade. SDR has strong stability and less risk to other Member States than using the currency of any single member state as the standard currency
SDR (Software Definition Radio), "Software Defined Radio"
Software Defined Radio (SDR) is a radio broadcast communication technology, which is based on software defined wireless communication protocol rather than hard wire. In other words, the frequency band, air interface protocol and function can be upgraded by software download and update without completely replacing the hardware. SDR provides an effective and secure solution to the problem of building multi-mode, multi frequency and multi-function wireless communication equipment
SDR can be reprogrammed or reconfigured so that different waveforms and protocols can be used by dynamically loading new waveforms and protocols. These waveforms and protocols contain various parts, including molation technology, security and performance characteristics defined in software as a part of the waveform itself.