If you can only buy online now, it is not a tide, and playing Haitao is the real master. Needless to say, the advantages of Haitao, on the one hand, can buy foreign goods with guaranteed quality, on the other hand, the prices of goods through Haitao are far lower than those in China. If you want to play Haitao, you must first apply for a credit card suitable for Haitao. Let me introduce several Haitao credit cards to you.

Haitao Credit Card:

1. China Bank Full Currency Card (EMV)

It is divided into gold card and platinum card, and it is best to apply for platinum card. Because platinum cards have double points for overseas transactions. There are EMVMasterCard and EMVVisa cards, MasterCard is the best choice. But not every region can apply for MasterCard.

I won't elaborate on the detailed functions and service features, because I can't say it all. It depends on his integral value. If the points are doubled, the RMB consumption in 9 yuan can be converted into Air China mileage of 1, which is still very valuable.

Second, Bank of Communications Wal-Mart co-branded credit card-MasterCard

This card is a dual-currency card, which is suitable for purchase in the United States, but not in Europe. I used it for a while before. At that time, it was all domestic consumption and I didn't feel its advantages. Now that I finally know, I have a little regret:

1. Cash rebate for consumption, equivalent to 1%.

2. Every time you spend 1 yuan in China, you accumulate 1 minute, and every time you spend 1 dollar abroad, you accumulate 7 points (you know, the products on Wal-Mart's American website are also extremely rich). Shopping at Wal-Mart doubles your points. All points can be used to deduct Wal-Mart's consumption. Bank of Communications has "Red Star Friday", which is equivalent to a 15% discount on shopping at Wal-Mart on Friday.

3. Don't miss the benefits for friends who have cars. This card can be used for refueling and rebate. Did you run out of fuel last year 1 month? In 2000, then refuel every Friday, with the highest rebate to 25 yuan and the highest rebate per month 100. The rebate part can only be used for refueling consumption.

Third, China Merchants Bank multi-currency credit card

Choosing it is to choose the service of China Merchants Bank Credit Card. Everyone is familiar with it, so I won't expand it much. Just say one thing, China Merchants Bank's birthday credit card is a shortcut to praise points.

Four, Industrial Bank "you" series platinum credit card

Specifically, what does this card have? There is no annual fee waiver in 900 yuan. In addition, the card not only basically meets the demand of overseas direct purchase, but also is especially suitable for users who frequently travel internationally. The VIP pick-up service at overseas airports is characterized by100000 accident insurance.

Which credit card is better for Haitao and China Bank in foreign countries? Please recommend it.

If you hold a double-label card of China Bank, you can use UnionPay or international organizations in consumption abroad; If you hold a single-label foreign currency card, you can go through an international organization in consumption abroad.

The above contents are for your reference. Please refer to the actual business regulations.

Haitao Xiaobai must see: the choice of Haitao credit card

Overseas transactions need to go through the multinational bank settlement system. Savings cards and debit cards have no corresponding management platform and cannot be settled through transactions. Overseas merchants will encounter the failure of fee deduction, even though your card is really rich. In order to avoid unnecessary troubles, credit cards are necessary.

There is no essential difference between Visa and Master card, and they are both cross-border payment and settlement platforms. Visa is currently the world's largest card issuer and payment and settlement platform. Every credit card with Visa logo can be spent through Visa's settlement platform. As long as the merchant supports Visa or Master, and your credit card has the corresponding card issuer logo, you can spend it at the merchant. The handling fee for settlement shall be borne by the merchant. This is the job of Visa. The full name of AE card is AmericanExpress. American Express is not a settlement platform, but a real bank. Therefore, AE card uses a separate settlement platform to build a special merchant network with the help of high-quality customers and the reputation of American Express. AE card has the nickname of "rich card", and the cardholder's reputation and assets are above average. AE co-branded credit cards issued in China include CITIC, Industrial and Commercial Bank of China and China Merchants Bank. JCB is a characteristic credit card in Japan, which is very powerful in Asia. Credit cards with different logos and different payment platforms. It doesn't matter if Haitao people choose Visa, Master or AE card. AE card only has some benefits in individual scenarios.

Paypal, you can understand it as international Alipay. Paypal is a completely independent third-party payment platform, which can bind the applicant's local bank credit card or directly accept the remittance from the account holder. If you don't have a credit card, you can apply for a Paypal account and save money to solve the settlement problem of online shopping.

Unfortunately, the influence of Paypal in the world is far from that of Alipay in domestic businesses. Many local businesses in the United States cannot use Paypal. In addition, Paypal has to distinguish between regions and regions, and the handling fee is very high.

The so-called restrictions on domestic cards are only a matter of credit card verification, not for domestic credit cards. American settlement system includes avs and addressverificationsystem. Since avs can only verify the local address information in the United States through keywords, credit cards outside the United States cannot pass through this system. American e-commerce companies adopting avs naturally cannot use China credit cards. Americanexpress has its own independent payment platform and different verification channels, which is the secret that AE card users can pass the verification. Disclaimer: The article comes from the Internet and is only for users to learn and communicate. If there is any infringement, please contact to delete it.

What credit card should Haitao apply for?

Haitao is what we often call overseas shopping. Overseas shopping generally adopts the method of paying first and then shipping. When using Haitao, the indispensable tool is the credit card, because Haitao pays by credit card. So, what credit card should Haitao do?

1. If you want to do overseas shopping, you need to have a credit card that can pay foreign currency first. This card should be marked with Visa, Master or AmericanExpress, or choose all-currency credit cards of major banks.

2. If you want Haitao, you need to prepare a credit card or an Alipay account (Visa/Master) that can be paid overseas in advance.

3. All-currency credit cards of banks are also suitable for cardholders who like Haitao. If Haitao is conducted outside the United States and the United States and Asia, it is best to have a credit card in the corresponding currency, a credit card in all currencies, or a credit card that pays the exchange fee.

Generally speaking, if the buyer holds a double-label card, it can be in consumption abroad through UnionPay or an international organization, and if it holds a single-label foreign currency card, it can be in consumption abroad through an international organization.

Comparison of Haitao Credit Cards among Banks

Compared with Taobao, Haitao, as a new shopping method, has become the focus of online shoppers. Once you are hooked on Shanghai Amoy, it will be out of control. If you want Haitao to be inseparable from credit cards, then which bank's credit card to apply for is a problem faced by the majority of card friends. Today, I will tell you about the advantages and disadvantages of Haitao credit cards of various banks.

1. China Merchants Bank:

The handling fee is not low, even if it is a gold card, it will inevitably lead to overseas emergency loss reporting and emergency card replacement. There will be activities such as exchanging dollars, which are suitable for Haitao people.

Advantages:

1. There are many kinds of cards and the service is good. You can apply for AE card and swipe it 6 times without annual fee.

2. It is very convenient to purchase foreign exchange for repayment. It is particularly worth mentioning that as long as RMB is deposited into China Merchants Bank's credit card, it will automatically repay the US dollar arrears first, which means that you can use third parties such as Alipay, Tenpay and Kuaiqian to repay the US dollar arrears without having to purchase foreign exchange by telephone, which is more worry-free.

Disadvantages:

1, currency conversion fee, dollar selling price 10 Banks tend to lean forward;

3. The overseas card-free transaction function cannot be turned off.

Second, CITIC Bank.

Advantages: you can purchase foreign exchange automatically, you can apply for AE card, you can swipe your card for 6 times without annual fee, the visa agency service is also good, and there are many currencies. The dollar is cheaper and the amount is strong.

Disadvantages:

1, currency conversion fee, overseas card-free payment function cannot be turned off;

3. The online banking function is poor, and the exchange rate cannot be found.

Three. Industrial and Commercial Bank of China

Advantages:

1, with the largest number of outlets and many currencies, and unlike Bank of China, the selling price of foreign currencies is generally low, so you can directly purchase foreign exchange for repayment through online banking and receive it in real time.

2. There are AE cards and multi-currency cards, and the annual fee is free for swiping the card for 5 times, and there is no handling fee for withdrawing the overpayment; The currency conversion fee (also known as the overseas transaction evaluation fee) is low, V is 1%, and M is the lowest among all banks in China. Therefore, in Germany, the US dollar card is used to swipe the euro. If the repayment is made in RMB, considering the appreciation of RMB, it may be cheaper to buy foreign exchange in RMB than to use the euro card.

3. It is very convenient to purchase foreign exchange for repayment. As long as you deposit enough money in the debit card, in addition to automatic repayment, you can also pay foreign exchange directly in the online banking and receive it in real time. This function is hardly provided by banks. CCB's online banking repayment of foreign exchange does not arrive in real time. Don't underestimate this function, it can save money. You can constantly refresh, find a foreign currency with a low selling price, and then make foreign exchange repayment, which is very independent. In addition, online banking can choose to purchase foreign exchange in real time (foreign currency consumption can be converted into RMB in real time, and it will take several years for BOC's global card to achieve this function).

4. The selling price of foreign currency is generally low, and the foreign exchange quotation of banks is always different. Although there is little difference in quotations from banks, ICBC is generally low, just a few points lower, but it will save some money if it is large.

5. It is convenient to 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 1 and the repayment is always the 25th, it is the longest. Currency conversion fee is the lowest among all banks, v is 1%, and m is the disadvantage:

1, the quota is not necessarily strong. In the early years, it was even more difficult for ICBC to apply for a credit card. Even with very good economic strength, it is still very difficult, especially the euro card, which is only 500 euros.

2. The service capacity of different provinces varies greatly. For example, there is a pro-euro card, and the provincial card department said that there is no euro card version, and the US dollar card version is used. Therefore, the pre-printed warehouse and the embossed warehouse did not match, which led to the refusal to swipe the card once in Germany and forced to use the US dollar card.

3. Each card needs to be repaid separately, and the total consumption of all cards will not be automatically counted.

Four. industrial bank

Advantages:

1, a family-run standard dual-currency gold card, with 5 swipes free of annual fee and free SMS reminder;

2. The selling price of foreign currency is generally low, and foreign exchange can be purchased automatically. Amazon has points for dollar consumption;

3. The overseas transaction function can be set manually: "closed, only once, for a certain period of time or permanently opened"; (TX, worried about network security, you can set "just once" before Haitao, and the overseas trading function will be automatically turned off after payment)

4. Buy air tickets online and pay the full amount to 20 yuan Insurance.

Disadvantages: less points.

Verb (abbreviation of verb) China Construction Bank

It seems that no advantages are found, and the disadvantages are not obvious. The selling price of USD is often higher than that of the other 9 banks, and the currency conversion fee is 1.5%.

6. Bank of China

Use countries and currencies (USD V, GBP 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 card overseas business is the most mature. The design above is mature and atmospheric. Most cashiers in the United States know about BOC, and there is no UnionPay plaster on the card surface.

2. The currency is complete.

3. BOC has many overseas outlets, so it is more convenient to pay back the USD debts of USD cards directly at new york Branch. Suitable for people going abroad for a long time.

4, real-time SMS, there will be a phone call after brushing foreign currency, but it will waste my international mobile roaming fee.

Disadvantages:

The selling price of 1 and USD is not low, but it is often the highest.

2. The annual fees for credit cards in euros and pounds are inevitable. If you don't go to euro countries or Britain, don't apply for these cards, because they are single-currency credit cards and you need to pay an annual fee. If you swipe your card at home, you have to pay a currency conversion fee. These annual fees can be used to pay a lot of dollars.

3. Online banking sucks. Before 2008, BOC knew nothing about online banking. Online banking has existed since 2008, but the interface is stingy and not easy to use. Credit card functions are rarely customized. This single currency credit card has also been registered by another website in Hong Kong.

4. You can't close the overseas website for payment without a card. In addition to registering VBV single and foreign currency credit cards, MasterCardSecureCode function,

7. Bank of Communications

Use country and currency (millions of dollars)

Advantages:

1, the selling price in US dollars is slightly lower than that of ICBC and the same as that of China Everbright Bank. Anyway, it won't be higher than Bank of China.

2, Jinfeng card looks good.

3. The quota is super strong.

Disadvantages:

1. Why is the currency conversion fee so high? The other is Everbright. So don't use it in non-dollar areas.

2. The overseas card-free payment function cannot be turned off, and some netizens have stolen a large number of reports.

3, the card is quiet. No text messages or anything. It costs money.

8. Minsheng Bank

Use country and currency (USD v)

Advantages:

on the decrease

Disadvantages:

Even for transactions in the same currency, the so-called overseas transaction fee of 1% will be charged.

9. China Everbright Bank

Use country and currency (USD against Fuka)

Advantages:

1 and USD have low selling prices, which are often the lowest among all 10 banks. Off-topic: However, its US dollar demand deposit is expected to have the highest annualized interest rate, so all US dollars are put aside.

2. You can turn off the overseas card-free closing function by phone, but it is always inconvenient to make a phone call every time.

3, real-time SMS notification, frequent phone harassment, wasting my international phone bill.

Disadvantages:

Currency conversion fee is as high as 1.95%

X. Huaxia bank

Use country and currency (millions of dollars)

Advantages:

1. The logo of Deutsche Bank on the card is familiar to many foreigners. Twice, the American cashier said, Your card is great. I guess I saw the logo of DB.

2. The overseas card swiping function can be turned off. This function is different from closing overseas card-free payment, especially for countries with stolen card information such as Malaysia. It can be described as a major feature.

Disadvantages:

1, the same currency still charges the so-called conversion fee of 1%.

2. There is no Huaxia debit card available. Huaxia debit card is free of handling fee for overseas UnionPay cash withdrawal.

What are the most suitable credit cards for Haitao?

Now credit card Haitao has become more and more popular, and more people like to buy foreign products. This has greatly promoted the opening and improvement of the payment function of credit cards in other currencies. Then, do you know what kinds of credit card Haitao payment methods are?

Generally speaking, domestic credit cards are divided into UnionPay cards, dual-currency credit cards and multi-currency credit cards. The UnionPay credit card has only the UnionPay icon on it, which can only be used at home, but it is useless abroad. Dual-currency credit cards generally refer to icons such as visa or mastercard, but only support US dollars and RMB. On the other hand, multi-currency credit cards can support direct exchange of most currencies.

One card type: dual-currency credit card

Dollar dual-currency card, you will see three logos on it: Visa, Master, AmericanExpress. Generally speaking, there is no difference between the first two. For some websites where VM card swiping often fails, the pass rate of swiping with AE card is higher. Introduce users who apply for new cards to apply for AE cards directly.

The second card type: multi-currency credit card

Although the United States is the main position of Haitao, with the fall of the yen exchange rate and the ultra-fast transshipment speed of Japan, Ritao has gradually become the second battlefield. Although you can pay with a US dollar card, you need to pay a lot of money conversion fees because you buy more things. It will be more convenient to simply handle a multi-currency card at this time.

The third card type: virtual card

In addition, some websites also support Alipay or Paypal payment, and its payment scope is not as wide as that of cards. However, it is sometimes easy to go through the customs when shopping on websites that are likely to break orders, so it is recommended as a backup payment scheme.

This is the end of the introduction of which credit card is better in Haitao and which bank visa card is better in Haitao. I wonder if you found the information you need from it?