Can American credit card buy virtual currency
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. Different service charges:
when al currency credit cards are consumed in the United States, there is no service charge for visa, because the United States is a US dollar region. But there is a 3% service charge for UnionPay
2. Different Repayment:
if the al currency credit card goes through the US dollar channel in the United States, it will be directly recorded according to the actual amount of the card. After it comes back, the US dollar will be deposited in the US dollar. If there is no US dollar, it will be converted according to the selling exchange rate of US dollar to RMB of the issuing bank on the repayment date, and deposited into the corresponding RMB for foreign exchange purchase repayment
3. Different exchange losses:
if al currency credit cards go through UnionPay channel, when cardholders swipe their cards for consumption, DCC (dynamic currency conversion) is carried out at that time, which can directly convert foreign currency transactions into RMB for entry. There is no currency conversion fee, but there is a certain exchange loss
extended information:
UnionPay channel is not available, visa or master channel is 1% ~ 1.75%
"what channel is cost-effective to swipe card abroad? Which is cheaper? " Recently, many citizens who are planning to travel abroad on November 11 have encountered such "doubts"
after consulting UnionPay and several banks, the reporter learned that it is more cost-effective to use UnionPay channel for overseas consumption. Because first, there is no money exchange fee for UnionPay channel to swipe cards overseas; Visa or master will charge 1% - 1.75% of the consumption amount by swiping the card in non US dollar areas, while there is no currency exchange fee in US dollar areas
according to the investigation of several banks, the currency exchange rate charged by visa or master channel is the lowest, only 1.1% of the consumption amount; The highest is Bank of communications, which accounts for 1.75% of the consumption amount. With $5000 of credit card, it can save 330-530 yuan by taking UnionPay channel
according to bankers, no matter which country you swipe your card through visa or master channel, you will eventually convert the local currency into US dollars, so you may charge 1% ~ 2% of the currency exchange fee in non US dollar areas; The UnionPay channel is the exchange rate of RMB to foreign currency when directly swiping the card for consumption, which converts the local currency into RMB instead of the US dollar settlement channel, so there is no corresponding currency exchange fee
According to the website of UnionPay, the bank cards marked by UnionPay can be used in 142 countries and regions, covering most of the world. For example, some unpopular African routes, such as Kenya and Guinea, are also included. However, there are 142 overseas countries and regions covered by UnionPay. Some countries only include capitals and indivial cities, while some countries have many outlets. Citizens can go to the official website of UnionPay to inquire about relevant information before travelingit is worth noting that if there is no UnionPay channel for overseas card swiping, then visa or master channel is the only way. What's more convenient is that at present, many banks such as the four major banks have opened the telephone purchase of foreign exchange for repayment, that is, after the bill date, consumers can deposit enough RMB equivalent to the consumption amount in the credit card, and they can purchase foreign exchange for repayment through the telephone, instead of going to the counter of the outlet to purchase foreign exchange for repayment
in addition, in terms of foreign exchange purchase, we can't change local currency in China even if we go to some relatively unpopular places. According to the reporter, at present, the Bank of China has the largest number of foreign exchange currencies in China, with 20 kinds of foreign currencies listed on its official website. In Guangzhou, except for ringgit and ruble, the other 18 foreign currencies can be exchanged at the counter
most banks can exchange US dollar, Hong Kong dollar, euro, British pound, Australian dollar, Japanese yen, Canadian dollar, Macao dollar and other common foreign currencies, as well as some "minority" currencies, including new Taiwan dollar, Swiss franc, Singapore dollar, Swedish krona, Danish krona, Norwegian Krona, Philippine Peso, Thai baht, New Zealand dollar and Korean dollar
"it is suggested to exchange as much foreign currency as you need. If you can't use it up, it will be more troublesome to sell it to the bank. One is that banks don't accept coins. The other is that banks have higher requirements when collecting foreign currency, such as being clean and tidy. " Some bankers have reminded the public
it is recommended to open the RMB entry function for foreign currency consumption. After opening the RMB entry function for foreign currency consumption, any foreign currency transaction will be automatically converted into RMB entry (the exchange rate is the exchange rate of the transaction entry day), and you only need to return RMB according to the RMB bill. Truly realize "one card in hand, travel around the world"
setting way: log in to credit card online banking, and click "repayment management" → "RMB automatic foreign exchange purchase" to open
warm tips:
1. Foreign currency consumption will take effect in real time after the RMB entry function is opened. Your foreign currency consumption can be queried in the "RMB not billed" interface of online banking two working days after the trading day
2. Non US dollar foreign currency transactions will be converted into US dollars by international credit card organizations first (ring the above process, visa, MasterCard and other international organizations will charge 1.5% foreign exchange fee). Our bank will convert the converted US dollar amount into RMB according to the exchange rate on the day of bookkeeping (the US dollar selling price of China Merchants Bank announced after 10:00 on the same day) and record it in the RMB bill
if you have any questions, please add credit card online customer service consultation:
QQ channel: Search "400820555" in QQ enterprise friends, and add China Merchants Bank Credit Card Center as friends (mobile QQ is not supported)
wechat channel: search the number "China Merchants Bank Credit Card Center" in wechat and pay attention to it Note: Web version of wechat is not supported)
1. Different settlement methods: single currency card can only settle in one currency, while al currency card can settle in two currencies, which are not arbitrary and conditional
2. There are different ways of repayment. A single currency card, that is, a RMB card (only UnionPay logo on the card, and the card number begins with 62), is used to settle things in RMB when shopping in the mall. When repaying, RMB must be returned to the bank, and foreign currency repayment is not accepted. Dual currency card is RMB + US Dollar Card (the card has not only UnionPay logo, but also visa or Mastercard logo, and the card number usually starts with 43 or 52). When using consumption, consumption is recorded in RMB at RMB settled POS or UnionPay collection platform, and repayment is made in RMB. In foreign currency POS (POS with visa logo) or international online shopping platform, other consumption is recorded in US dollar, and finally the US dollar is returned to the bank (RMB is exchanged into US dollar for repayment)
in a word: it is absolutely not that a single currency is RMB, and a al currency is RMB + US dollar. In China, there are single currency cards issuing foreign currency, and there are al currency cards such as RMB + Hong Kong dollar, RMB + pound sterling, etc. In China, there is no difference between single currency card and al currency card (excluding single currency card of pure foreign currency, of course). They are all settled in RMB. You don't usually expect to sell dollars at home (but not absolutely)
extracted from the network library: the starting numbers of all kinds of cards of commercial banks in China are extracted from the network library
the handling charge for overseas cash advance is 3% of each withdrawal amount, and the minimum charge is 3 US dollars or 30 RMB per withdrawal. There is no inter-bank service charge for cash advance
no interest free repayment is available for cash advance. From the date of cash withdrawal to the date of repayment, interest is charged at the rate of 0.05% per day and compound interest is charged monthly. PS: there is no interest on the handling charge of cash advance by credit card.
Yes, the U.S. website is generally pre authorized dection when placing an order, and the real dection is only when shipping. Therefore, no matter what problems appear after placing the order, there is no need to worry about whether your expenses will be dected. Because before the order is successful, your expenses are only pre authorized and will not be dected
in recent years, with the rapid development of the new business model of cross-border online shopping, overseas shopping is also heating up rapidly in China, and more and more Chinese people begin to join the army of overseas shopping and become a group of overseas shopping
the website receives credit card payment issued by domestic banks. In this case, we need to find a forwarder who provides the local receiving address. The merchant is responsible for delivering the goods to the transshipment location, and the transshipment provider is responsible for delivering the goods to the Chinese consumers
there are a lot of procts to choose from, after all, only a few foreign shopping websites provide direct delivery, and some websites that can provide direct delivery have high costs; Its delivery speed is guaranteed and can be tracked; Compared with direct delivery, transshipment is cheaper
It works
In addition to the basic functions of CMB's credit card, CMB's all currency international credit card also has the following functions:(1) no matter where the card is held in the world for foreign currency transactions, it can be automatically converted into RMB for entry, and only need to repay in RMB
(2) visa signature provides swipe card service and exclusive courtesy to more than 200 overseas countries and regions. Full currency consumption, RMB repayment
(3) all currency consumption, free of currency exchange fees. No matter when, where and what kind of foreign currency is used for consumption or cash withdrawal, there is no 1.5% currency exchange fee (4) high amount of travel insurance. With this card, you can buy your ticket in full or pay 80% or more of your tour fee. You can get free travel inconvenience insurance and aviation accident insurance of up to 2 million yuan without going through any proceres and paying any fees Most of the al currency credit cards issued by domestic banks are "RMB + US dollar". If the card is used for consumption abroad, the card issuing organization will convert the local currency of consumption into US dollars for bookkeeping ring settlement. If the local currency is US dollars, it will be directly included in the US dollar account. When returning to China for repayment, RMB will be used to purchase US dollars for repayment according to the exchange rate on the date of repayment However, if the full currency credit card is used for overseas consumption, the card issuing organization will convert the local currency of consumption into US dollars, and then immediately convert it into RMB and directly charge it into the RMB account. That is to say, the exchange rate is the exchange rate of RMB against US dollar on the day of consumption. After returning home, you only need to return RMB. Under the expectation of RMB devaluation, there is no need to worry about the impact of RMB devaluation on repayment amount after consumption{rrrrrrr}
extended information:
for example, analysts assume that on August 10, 2015, they have a fancy to a famous brand backpack in the United States, with a local price of $1368.86 and visa full currency credit card consumption, then the consumption will be included in the RMB account according to the RMB to us dollar exchange rate announced by visa on that day, which is 8500 yuan. After returning to China on August 13, 2015, as long as RMB 8500 is returned
If visa double currency is used, the consumption will be directly charged to the US dollar account. When returning to China for repayment on August 13, e to the depreciation of RMB, RMB 8775.64 will be needed to purchase the visa double currency and US $1368.86 will be needed to pay off the bill. For the same consumption, it costs 275.64 yuan more than people holding full currency credit cards. And if the RMB continues to depreciate in the future, there will be more money to pay