● Distinguish the acceptance scope at home and abroad.
Because of the huge difference between foreign consumption environment and domestic consumption environment, consumers need to understand this difference first. Credit cards can be divided into different brands, such as China UnionPay, VISA and MasterCard, according to the different card organizations approved for issuance. Based on the status and influence of China UnionPay in the domestic market, there are a wide range of merchants accepting UnionPay cards in China, so it can be said that cardholders can use UnionPay cards in China unimpeded. However, in foreign markets, compared with VISA, MasterCard and other international card organizations, the range of merchants accepting UnionPay brand cards is limited, and consumers holding UnionPay RMB credit cards in consumption abroad will be restricted in their use. Therefore, from the convenience point of view, consumers can consider choosing VISA or MasterCard brand credit cards when they are in consumption abroad, so as to enjoy a wider service network. For example, Air China Yin Zhi BOC Credit Card (RMB-USD dual account) issued by China Bank is a VISA brand, and Great Wall Global Link Credit Card (RMB-USD dual account) is a MasterCard brand, which can meet your overseas payment needs.
● Avoid currency exchange fees.
In order to avoid currency exchange fees, the best way is to ensure that the currency of the credit card held is consistent with the currency of local consumption. For example, with the recent depreciation of the euro, many consumers have turned their eyes to the European market. When consumers shop in Europe, if they carry US dollar cards, they will inevitably incur currency exchange fees when spending, which will inevitably increase the shopping cost. However, if they hold euro cards, they will not incur such fees. Therefore, in order to let consumers really enjoy the benefits of credit card swiping, the single-currency international card of China Bank has five currencies for customers to choose from, such as British pound, euro, Hong Kong dollar, US dollar and Australian dollar.
It goes without saying that when consumers go shopping in Japan, they must prepare a yen card. Bank of China Lucky Cat Credit Card is a dual-account credit card in RMB and Japanese yen launched in cooperation with JCB International Organization, which is deeply trusted by customers.
● Cross-border travel can choose a global pass.
If you plan to travel, study abroad or conduct business trips in different countries and regions, you may have more demand for the global universal function of credit cards.
A friend who often goes abroad wrote to the Bank of China: My wallet is full of different types of credit cards. I really hope your bank can launch a credit card product that can be used all over the world. No matter which country you go to in the future, you just need to swipe your card. In order to satisfy consumers, China Bank launched the Great Wall Global Link Credit Card, which has the following functions:
★ Repayment in RMB for global transactions
With the help of nearly 760 branches of China Bank in 29 overseas countries and regions and their overseas service advantages, Great Wall Global Link Credit Card can provide RMB settlement services for global transactions. Consumers' cards can be directly converted into RMB for any transaction in the world. 24-hour exchange rate conversion record to avoid exchange rate loss for customers; You can also avoid the currency exchange fee1.5% when spending in non-US dollar areas; The monthly bill shows the consumption details in RMB; Repayment in RMB saves consumers the trouble of buying foreign exchange.
Before studying in Australia, Wang Wenwen's parents went to China Bank to ask which credit card is more convenient and economical abroad. Considering that Wang Wenwen's living expenses in Australia are basically supported by his parents at home, the bank recommended the Great Wall Global Credit Card to them.