What kind of credit card do you apply for foreign travel？

To travel to Europe, you can choose to apply for ICBC's global travel card, China Construction Bank's global payment card and China Merchants Bank's Visa full currency card. These credit cards are very convenient to use abroad, and the repayment is also very convenient.

ICBC's Global Travel Card can solve the problem of consumption currency. It supports direct payment of 10 foreign currencies, including US dollars, euros, Hong Kong dollars, British pounds, Japanese yen, Singapore dollars, Canadian dollars, Australian dollars, Swiss francs and New Zealand dollars, without currency conversion. This card adopts dual channels of UnionPay and MasterCard, which is available in China and can be repaid by Alipay.

All foreign currency transactions of CCB's global payment card, such as credit card swiping, online shopping, withdrawal, etc., will automatically purchase foreign exchange and enter RMB into the account, and only need to repay in RMB according to the bill, which saves a lot of trouble. In addition, the card is free of currency exchange fees and has no deadline; Dual channels of UnionPay and VISA(MasterCard) are adopted, which are available in China and can be repaid by Alipay; Card swiping for 10 times is free of annual fee.

China Merchants Bank's Visa full currency card can enjoy the privilege of automatic RMB exchange when it is consumed or cashed in European countries. After returning to China, it can be repaid directly in RMB, and the exchange fee is exempted. Cardholders only need to choose the local currency at the time of transaction to enjoy the discount.

It should be noted that after consumption in Europe, tax refund is a relatively "troublesome" thing. Some tax refund companies support Alipay tax refund, while others do not. It is relatively convenient to refund the tax through Alipay. After the customs stamp, fill in the Alipay mobile phone number and put it into the corresponding mailbox. Generally, the cooperative tax refund company will charge a certain handling fee, and the exchange rate is also calculated according to the cooperative tax refund company, which is usually not cost-effective. In addition, it should be noted that there is a certain probability that Alipay will lose the bill and the security is relatively poor.

The way of cash tax refund is relatively more secure, the account is received quickly, and there is no case of losing the bill. Cash tax refund is euro refund, which can be spent directly in airport duty-free shops. However, cash tax refund will be charged a certain fee. Some tax refund companies support cash tax refund in designated cities (such as Beijing and Shanghai) after returning to China. Please note that the tax refund form must be stamped with a clear customs stamp before it can be refunded in China, and there are also fees.

MasterCard in Europe is more widely used in Europe, with a market share of 40%, while Visa only accounts for 30%. MasterCard overseas credit card organization is also an internationally accepted credit card system, and its Chinese translation is MasterCard. If the credit card is marked with MasterCard, and it is proved that the card issuing company has a cooperative relationship with MasterCard, the credit card you hold can be swiped within the MasterCard Alliance.

The main types of VISA cards are credit card, debit card and prepaid card. Credit card-Visa provides a rich credit card product platform for financial institution customers, which can meet all kinds of payment needs of new credit card customers to high-end consumers and large institutions. Visa credit card platform also provides personalized points return system, emergency replacement card, travel support, car rental insurance and other value-added services, which helps card issuers to improve customer loyalty and utilization rate. Debit card-Visa provides a wealth of debit card products for consumers in different regions and different consumption levels. Visa debit card allows consumers to pay the funds in their accounts electronically, which is more convenient, safe and flexible than paying in cash or check. Prepaid card-Visa also offers a variety of prepaid card products, allowing financial institutions to provide consumers with prepaid card products that can be recharged. For consumers who have not opened an account in a bank, Visa prepaid card solution is a safer and more convenient choice than cash and checks.

When choosing a credit card, you can choose according to your own needs. VISA is widely used in the United States and Asian countries, while MasterCard has a greater influence in Europe. Therefore, it is better to choose VISA credit card if you go to the United States, and it is more convenient to choose MasterCard if you go to Europe.

The above is about "what kind of credit card to apply for traveling in Europe", I hope it will help you.

If you want to travel abroad, what card is convenient to use?

I wonder if the subject refers to the bank card? Or a calling card that can be used locally?

1. A debit card (any bank will do, 5 banks are recommended).

When traveling abroad, in addition to carrying enough cash (some countries have restrictions on cash entering the country, and too little cash will be repatriated), it is also recommended to bring a debit card so that you can withdraw cash in case of an accident (such as running out of cash). At present, the five major state-owned banks basically have branches overseas, so they can exchange foreign exchange directly with debit cards and get local currency.

Other smaller banks are not out of the question, but sometimes they will generate extra fees, which are not as convenient as the five major banks.

2, a credit card

First of all, UnionPay can also be used. The English name is unipay. When a clerk sees a domestic guest issuing a dual-currency card, he will ask whether to use UnionPay or visa/master. UnionPay is better and the exchange rate can be saved.

VISA or MSATERCARD can be used. Cards with these two comparisons are basically universal at present. At present, domestic banks can apply, just select "dual-currency credit card" in the application form. The acquisition method is very convenient. Credit cards can be used for prepaid consumption abroad, which solves the problem of not wanting to carry too much cash.

There is also a card marked "AMERICANEXPRESS", which is the famous American Express, famous for its black card-Centurion Card. However, in China, all co-branded cards cooperate with big banks, so it is a bit difficult to apply. Ordinary friends don't need this kind of card.

3, Alipay/WeChat

In fact, many countries can use alipay and wechat now. When paying, just ask the service staff if they can use Alipay or WeChat. Many foreign stores will post the LOGO of Alipay and WeChat outside the store, so that when paying, they will take out their mobile phones directly and the clerk will understand. Very convenient! After all, the Chinese bought out the whole world. Ha ha.

Hello, my friend, I'm the sea. I'm happy to answer your question, "What card is convenient to use if you want to travel abroad?" "

I often travel abroad. I think I have to prepare some cash first, and then the bank card. Because some remote and backward countries can swipe their cards less, it takes time for you to look for places to swipe your cards everywhere. So prepare some cash for emergencies.

If you go to economically developed countries, shopping malls and shops can generally swipe their cards. Just bring UnionPay card, visa card and master card. And now many countries can withdraw cash as long as it is an ATM with UnionPay, which is very convenient, but there is a handling fee. Nowadays, with the continuous development and progress of science and technology network, some countries can still use Alipay.

It's best to know the payment method of the country you want to go to online before traveling, which is better, safer and safer. Generally, you can travel around the world with two cards, master Card and visa Card, because these two cards have a wide coverage in the world.

I hope the above experience will be useful to you, thank you.

In Asian countries, credit cards or debit cards with UnionPay logo can be used. Outside Asia, especially in Europe and America, you must have a credit card or debit card with VISA logo (but not many debit cards have this logo).

In many countries, credit card consumption must be my own credit card (for example, a wife can't use her husband's credit card to spend money without her husband's presence).

In addition, in European and American countries, you can swipe your card directly without a password (even if your password VISA complicated) when you swipe your card, just need the cardholder's signature to confirm.

ICBC's multi-currency credit card supports more than 10 foreign currencies, which is very powerful.

China Bank's Global Link credit card is also good, free of currency conversion fee.

I think other dual-currency cards are much weaker than these two, and I have used them.

For debit cards, choose the kind of atm withdrawals free of charge around the world. Ping An debit card is no longer free of charge. Huaxia debit card depends on where you do it, and Huaxia in many cities is not free either.

By the way, you can't imagine the power of Alipay and WeChat at all, and they can basically be used at will in most countries! [Yi tooth] [Yi tooth] [Yi tooth] [Yi tooth]

First of all, I think cash is necessary, because credit cards can't be swiped in some places. Here, regardless of developed or underdeveloped places, for example, small shops in some countries and regions can't swipe their cards, and even many restaurants in Hong Kong can't swipe their cards, so cash must be prepared. Secondly, there is the bank card. If it is a bank card, visa card and master card are commonly used abroad, so these two cards can basically go all over the world.

In addition, there are actually many ways to pay, so if you go out for a trip, it should be the safest to prepare all the ways. For example, mobile payment functions such as WeChat and Alipay can be used in many countries and regions. In addition, UnionPay cards have signed agreements in many countries and regions, so you can withdraw cash as long as it is an ATM with UnionPay, but there is a problem of handling fees or machine usage fees, and the exchange rate between banks may be different, as long as you know clearly in advance. Including in many shopping malls, in addition to visa and master credit cards, you can also swipe the savings card with UnionPay. Therefore, it is safest to know the payment method of the destination in advance before going out, which can save a lot of unnecessary troubles and make yourself happy to play and buy.

First of all, I am glad to answer your questions. I am a well-off traveler.

I don't know whether you want to consult a bank card or a mobile phone card, so I'll briefly talk about the two points that I think are more convenient.

mobile phone SIM card

At present, the three major mobile phone operators in China can handle global roaming services, but I feel that the price is slightly higher and it is not suitable for long-term use of the network abroad. Generally speaking, I always buy foreign local calling cards on a treasure in China before I leave. I remember that I bought a Malaysian calling card before, and I can use it for 10 days for more than 30 yuan, and I can talk for 100 minutes with unlimited traffic. There are many overseas calling cards on the Internet for traveling abroad, but I must remember that I must go abroad before I get the card, and I can't use it at home.

What kind of credit card do you need to travel to Europe?

You can choose one of ICBC Global Travel Card, China Construction Bank Global Payment Card and China Merchants Visa Full Currency Card. Repayment is very convenient.

ICBC Global Travel Card: Don't worry about the currency of consumption. Ten kinds of foreign currencies, including US dollar, Euro, Hong Kong dollar, British pound, Japanese yen, Singapore dollar, Canadian dollar, Australian dollar, Swiss franc and New Zealand dollar, can be paid directly without currency conversion. Dual channels of UnionPay and MasterCard are adopted, which are available in China and can be repaid by Alipay.

CCB Global Payment Card: All foreign currency transactions, such as credit card swiping, online shopping and withdrawal, are automatically purchased for foreign exchange, and RMB is credited to the account, so it only needs to be repaid in RMB according to the bill, which saves a lot of trouble. And free of currency exchange fees, no deadline; Dual channels of UnionPay and VISA(MasterCard) are adopted, which are available in China and can be repaid by Alipay; Card swiping for 10 times is free of annual fee.

China Merchants visa Full Currency Card: The card has the Visa logo on its face, and you can enjoy the privilege of automatic RMB exchange when you spend or withdraw cash in countries around the world. At the same time, you can repay directly in RMB when you return home, and the exchange fee is free. Cardholders only need to choose the local currency at the time of transaction to enjoy the discount.

Extended data:

After spending in Europe, tax refund is a relatively "troublesome" thing. Some tax refund companies support Alipay tax refund, while others do not. It is relatively convenient to refund the tax through Alipay. After the customs stamp, fill in the Alipay mobile phone number and put it into the corresponding mailbox.

Generally, the cooperative tax refund company will charge a certain handling fee, and the exchange rate is also calculated according to the cooperative tax refund company, which is usually not cost-effective. In addition, it should be noted that there is a certain probability that Alipay will lose the bill and the security is relatively poor.

The way of cash tax refund is relatively more secure, the account is received quickly, and there is no case of losing the bill. Cash tax refund is euro refund, which can be spent directly in airport duty-free shops. However, cash tax refund will be charged a certain fee. Some tax refund companies support cash tax refund in designated cities (such as Beijing and Shanghai) after returning to China. Please note that the tax refund form must be stamped with a clear customs stamp before it can be refunded in China, and there are also fees.