Compared to Taobao, Haitao, as an emerging way of shopping, has become the focus of attention online shopping. Once I am lost in Shanghai, it is out of control. If you want Haitao to be inseparable from the credit card, then which bank's credit card is a problem facing the majority of card friends. Today I will tell you about what are the advantages and disadvantages of Haitao Credit Card in various banks? . China Merchants Bank: The fees are not low, even if the gold card, it is inevitable that the overseas emergency loss and emergency replacement card cost. There will be activities such as brushing US dollars cash back, suitable for Haitao people. advantages: 1, the card is rich, the service is good, you can get a AE card, swipe the card 6 times free annual fee. 2, it is very convenient to buy foreign exchange and repay. It is particularly worth mentioning that as long as you deposit the RMB from the China Merchants Bank credit card, it will give priority to the automatic repayment of US dollar arrears, which means that the use of Alipay, Tenpay, and fast money can repay US dollar arrears. What is more worry -free. Disadvantages: 1, currency conversion fee, US dollar selling price 10 banks often lean forward; 3, unable to turn off overseas card -free transaction functions. . CITIC Bank advantages: can be purchased automatically, you can get AE cards, swipe the card 6 free annual fees, the visa transmission business is also good, there are more currency, the US dollar selling price is lower , The quota is powerful. Disadvantages: 1, currency conversion fees, non -closed overseas card -free payment functions; 3, online banking has poor functions and cannot check the exchange rate. . Industrial and Commercial Bank of China advantages: 1, the most outlets, more currency, unlike the Bank of China, the overall foreign currency selling price is low, you can directly purchase foreign exchange purchase repayment in online banking , Real -time account. 2, there are AE cards and multi -currency cards, 5 free annual fees for swiping cards, no handling fees for overflow payment; currency conversion fees (also known as overseas transaction evaluation fee) low, V is 1%, M is domestic is domestic All banks are the lowest. Therefore, if the US dollar card is used to use the US dollar card, if the RMB is repaid, the factors of the RMB appreciation may be considering the appreciation of the RMB, and there may be more renminbi than the euro card. 3. It is more convenient to buy foreign exchange and repayment. As long as the amount of sufficient amount is stored in the debit card, in addition to the automatic repayment method, you can also buy foreign exchange and repayment directly in online banking. There is almost no bank provided. CCB's online banking purchase repayment repayment is not real -time. Don't underestimate this function. You can save silver. You can constantly refresh, find a low position of a foreign currency selling price, and then buy foreign exchange purchase and repayment. It's big. In addition, online banking can choose real -time purchase of foreign exchange (foreign currency consumption to renminbi in real time, using RMB to account for accounting. A few years later, the Bank of China Global Card to achieve this function). 4, the overall price of foreign currency sales is low, and the foreign exchange price of various banks is always different. Although the price of various banks is not much different, ICBC is generally low, but it is only a few points. Some money. 5. It can easily open or open the overseas card -free payment function to improve security. 6, the interest -free period is 56 days. Although the billing date is always No. 1, the repayment is always 25, it is the longest. Monetal conversion fees are the lowest in major banks, V is 1%, M is the disadvantage: 1, the amount is not necessarily powerful. In the early years, ICBC's application for credit cards is more difficult than heaven. Even if it has very good economic strength, it is still difficult. It is the euro card, only 500 Euros. 2, the service capabilities of all provinces are huge. For example, there is a relative euro card, which saves the card. It is said that there is no euro card version, and the card version of the US dollar card is used. Therefore, the pre -printed BIN does not match the bin. Essence 3, each card needs to be repaid separately, and will not automatically count the sum of the consumption of all cards. . Promotion Bank advantages: 1, standard dual currency gold card by family, 5 free annual fees, free SMS reminders; 2, foreign currency selling price is generally compared to compared Low, you can buy foreign exchange automatically, Amazon's dollar consumption has points; 3, you can manually set overseas transaction functions: "close, only once, a certain time period or permanent opening"; The previous settings are "only once", and the overseas transaction functions will be closed by themselves after paying) 4. Buy air tickets online to pay 20 yuan for insurance. Disadvantages: less outlets. . Construction Bank does not seem to have found any advantages, and the disadvantages are not obvious. The US dollar selling price is often higher than the other nine banks, and the currency conversion fee is 1.5%. 6. Bank of China The national and currency (US dollar V, British pound M, German euro V, Swiss euro v, Australian dollar v) advantages: 1 The highest level of internationalization. As the most professional foreign exchange bank in China, credit cards have the most mature overseas business. The design is mature, and most US cashier knows that BOC, and there is no UnionPay plaster. 2, complete currency. 3. There are many outlets from China Bank, which is convenient for the US dollar debt of US dollar cards to the US dollar card directly to the New York branch. Suitable for long -term people. 4, real -time text messages, there will be phone calls after brushing foreign currency, but the abandoned international mobile phone roaming fee. Disadvantages: 1, the price of the dollar is not low, often the highest. 2, euro, and pound credit card cannot help but annual fees. If you do n’t go to the euro country or the United Kingdom, do n’t apply for these cards, because they are single currency credit cards, they ca n’t help but swipe their annual fees. In the country, swipe cards, use foreign currency accounts, do n’t say, but also pay for currency conversion fees. And these years can use the US dollar card to swipe a lot of pens. 3, online banking is bad. Before 2008, the Bank of China online banking didn't know anything. After 2008, online banking has been available, but the interface is stubborn, which is not easy to use. Credit card function is very small. Single currency credit cards are also registered with another website in Hong Kong. 4. Do not close overseas websites without card payment. In addition to a single foreign currency credit card, you can register VBV, Secure Code function, 7. Bank of Communications The use of countries and currency (US dollar M) advantages: 1, US dollar selling price ratio ICBC is slightly lower, and it is the same as Everbright Bank. Anyway, it will not look better than the Bank of China 2, Jinfengka. 3, the quota is super powerful. Disadvantages: 1. Why the currency conversion fee is so high, and the other one is high. So don't use it in a non -US dollar area. 2, do not close the abroad without card payment function, some netizens have reported large stolen reports. 3, the card is quiet. There is no text message or something, it is necessary to spend money. , Minsheng Bank If country and currency (US dollar V) advantages: less and less Disadvantages: The transactions also need to charge 1%of the so -called overseas transactions. . Everbright Bank The use of the country and currency (US dollar V Fuka) advantages: 1, the price of the US dollar is low, it is often the lowest of all 10 banks Essence Outside of the question: But its US dollar deposit is expected to have the highest annualized interest rate, so the dollar is full of light. 2. You can close the overseas cardless closing function by phone, but it always feels inconvenient every time you call. 3, real -time SMS notification, often phone harassment, abolition of my international phone bill. Disadvantages: The currency conversion fee is as high as 1.95% . Huaxia Bank If country and currency (US dollar M) advantages: 1, cards, cards The German bank logo on the face made many foreigners familiar with it. Two times, the US cashier said: Your card is fantastic. It is estimated that it has seen the DB logo. 2, can close the function of overseas credit card. This feature is different from closing overseas card -free payment, especially for countries such as Malaysia and other countries to stole the card information. It can be described as a major feature. Disadvantages: 1. The so -called conversion fee of the same currency still needs to be charged 1% 2, no Huaxia debit card is easy to use. The Huaxia debit card overseas UnionPay is avoided with a handling fee.
Compared to Taobao, Haitao, as an emerging way of shopping, has become the focus of attention online shopping. Once I am lost in Shanghai, it is out of control. If you want Haitao to be inseparable from the credit card, then which bank's credit card is a problem facing the majority of card friends. Today I will tell you about what are the advantages and disadvantages of Haitao Credit Card in various banks?
. China Merchants Bank:
The fees are not low, even if the gold card, it is inevitable that the overseas emergency loss and emergency replacement card cost. There will be activities such as brushing US dollars cash back, suitable for Haitao people.
advantages:
1, the card is rich, the service is good, you can get a AE card, swipe the card 6 times free annual fee.
2, it is very convenient to buy foreign exchange and repay. It is particularly worth mentioning that as long as you deposit the RMB from the China Merchants Bank credit card, it will give priority to the automatic repayment of US dollar arrears, which means that the use of Alipay, Tenpay, and fast money can repay US dollar arrears. What is more worry -free.
Disadvantages:
1, currency conversion fee, US dollar selling price 10 banks often lean forward;
3, unable to turn off overseas card -free transaction functions.
. CITIC Bank
advantages: can be purchased automatically, you can get AE cards, swipe the card 6 free annual fees, the visa transmission business is also good, there are more currency, the US dollar selling price is lower , The quota is powerful.
Disadvantages:
1, currency conversion fees, non -closed overseas card -free payment functions;
3, online banking has poor functions and cannot check the exchange rate.
. Industrial and Commercial Bank of China
advantages:
1, the most outlets, more currency, unlike the Bank of China, the overall foreign currency selling price is low, you can directly purchase foreign exchange purchase repayment in online banking , Real -time account.
2, there are AE cards and multi -currency cards, 5 free annual fees for swiping cards, no handling fees for overflow payment; currency conversion fees (also known as overseas transaction evaluation fee) low, V is 1%, M is domestic is domestic All banks are the lowest. Therefore, if the US dollar card is used to use the US dollar card, if the RMB is repaid, the factors of the RMB appreciation may be considering the appreciation of the RMB, and there may be more renminbi than the euro card.
3. It is more convenient to buy foreign exchange and repayment. As long as the amount of sufficient amount is stored in the debit card, in addition to the automatic repayment method, you can also buy foreign exchange and repayment directly in online banking. There is almost no bank provided. CCB's online banking purchase repayment repayment is not real -time. Don't underestimate this function. You can save silver. You can constantly refresh, find a low position of a foreign currency selling price, and then buy foreign exchange purchase and repayment. It's big. In addition, online banking can choose real -time purchase of foreign exchange (foreign currency consumption to renminbi in real time, using RMB to account for accounting. A few years later, the Bank of China Global Card to achieve this function).
4, the overall price of foreign currency sales is low, and the foreign exchange price of various banks is always different. Although the price of various banks is not much different, ICBC is generally low, but it is only a few points. Some money.
5. It can easily open or open the overseas card -free payment function to improve security.
6, the interest -free period is 56 days. Although the billing date is always No. 1, the repayment is always 25, it is the longest. Monetal conversion fees are the lowest in major banks, V is 1%, M is the disadvantage:
1, the amount is not necessarily powerful. In the early years, ICBC's application for credit cards is more difficult than heaven. Even if it has very good economic strength, it is still difficult. It is the euro card, only 500 Euros.
2, the service capabilities of all provinces are huge. For example, there is a relative euro card, which saves the card. It is said that there is no euro card version, and the card version of the US dollar card is used. Therefore, the pre -printed BIN does not match the bin. Essence
3, each card needs to be repaid separately, and will not automatically count the sum of the consumption of all cards.
. Promotion Bank
advantages:
1, standard dual currency gold card by family, 5 free annual fees, free SMS reminders;
2, foreign currency selling price is generally compared to compared Low, you can buy foreign exchange automatically, Amazon's dollar consumption has points;
3, you can manually set overseas transaction functions: "close, only once, a certain time period or permanent opening"; The previous settings are "only once", and the overseas transaction functions will be closed by themselves after paying)
4. Buy air tickets online to pay 20 yuan for insurance.
Disadvantages: less outlets.
. Construction Bank
does not seem to have found any advantages, and the disadvantages are not obvious. The US dollar selling price is often higher than the other nine banks, and the currency conversion fee is 1.5%.
6. Bank of China
The national and currency (US dollar V, British pound M, German euro V, Swiss euro v, Australian dollar v)
advantages:
1 The highest level of internationalization. As the most professional foreign exchange bank in China, credit cards have the most mature overseas business. The design is mature, and most US cashier knows that BOC, and there is no UnionPay plaster.
2, complete currency.
3. There are many outlets from China Bank, which is convenient for the US dollar debt of US dollar cards to the US dollar card directly to the New York branch. Suitable for long -term people.
4, real -time text messages, there will be phone calls after brushing foreign currency, but the abandoned international mobile phone roaming fee.
Disadvantages:
1, the price of the dollar is not low, often the highest.
2, euro, and pound credit card cannot help but annual fees. If you do n’t go to the euro country or the United Kingdom, do n’t apply for these cards, because they are single currency credit cards, they ca n’t help but swipe their annual fees. In the country, swipe cards, use foreign currency accounts, do n’t say, but also pay for currency conversion fees. And these years can use the US dollar card to swipe a lot of pens.
3, online banking is bad. Before 2008, the Bank of China online banking didn't know anything. After 2008, online banking has been available, but the interface is stubborn, which is not easy to use. Credit card function is very small. Single currency credit cards are also registered with another website in Hong Kong.
4. Do not close overseas websites without card payment. In addition to a single foreign currency credit card, you can register VBV, Secure Code function,
7. Bank of Communications
The use of countries and currency (US dollar M)
advantages:
1, US dollar selling price ratio ICBC is slightly lower, and it is the same as Everbright Bank. Anyway, it will not look better than the Bank of China
2, Jinfengka.
3, the quota is super powerful.
Disadvantages:
1. Why the currency conversion fee is so high, and the other one is high. So don't use it in a non -US dollar area.
2, do not close the abroad without card payment function, some netizens have reported large stolen reports.
3, the card is quiet. There is no text message or something, it is necessary to spend money.
, Minsheng Bank
If country and currency (US dollar V)
advantages:
less and less
Disadvantages:
The transactions also need to charge 1%of the so -called overseas transactions.
. Everbright Bank
The use of the country and currency (US dollar V Fuka)
advantages:
1, the price of the US dollar is low, it is often the lowest of all 10 banks Essence Outside of the question: But its US dollar deposit is expected to have the highest annualized interest rate, so the dollar is full of light.
2. You can close the overseas cardless closing function by phone, but it always feels inconvenient every time you call.
3, real -time SMS notification, often phone harassment, abolition of my international phone bill.
Disadvantages:
The currency conversion fee is as high as 1.95%
. Huaxia Bank
If country and currency (US dollar M)
advantages:
1, cards, cards The German bank logo on the face made many foreigners familiar with it. Two times, the US cashier said: Your card is fantastic. It is estimated that it has seen the DB logo.
2, can close the function of overseas credit card. This feature is different from closing overseas card -free payment, especially for countries such as Malaysia and other countries to stole the card information. It can be described as a major feature.
Disadvantages:
1. The so -called conversion fee of the same currency still needs to be charged 1%
2, no Huaxia debit card is easy to use. The Huaxia debit card overseas UnionPay is avoided with a handling fee.