1. From a geographical perspective:

1. Visa is an international credit card organization. Visa currently has its cooperative card-issuing banks and its own collectors in most countries around the world. Single line. Credit cards with the Visa mark can be used in most countries around the world, regardless of which country's bank the card is issued by. Visa is no exception in China. All credit card issuing banks are partners of Visa, and Visa also has its own acquiring line in China.

2. UnionPay is our own country’s bank card organization. UnionPay has also issued its own RMB single-currency credit card, which is universal within China and can be used at UnionPay POS machines and banknotes with the UnionPay logo outside China. It can also be used on mobile phones.

At present, UnionPay cards are used in Europe, South Africa, North America, Southeast Asia, Japan, South Korea and some countries in West Asia. Compared with using a VISA card, when using a UnionPay card to pay for third-party currencies other than RMB and US dollars, there is no need to pay a currency conversion fee of 1.5% to 2%.

3. At present, domestic bank cards belong to different bank card organizations according to different starting numbers. Bank cards starting with "4" belong to the visa card organization, and bank cards starting with "62", "60", " Cards starting with 9" belong to China UnionPay, while cards starting with "62" and "60" are UnionPay standard cards that comply with international standards and can be used abroad. This has also been China UnionPay's flagship card in recent years.

2. From the perspective of usage:

If you only consume domestically, UnionPay is the best choice, but if you often need to spend abroad, a VISA card is essential. of. In recent years, in order to cater to the needs of users, major banks have launched dual-currency cards, namely UnionPay + visa, so that users can use UnionPay channels for domestic consumption and visa channels when traveling abroad.