Is it true that Haitao credit card is cashed back?

Haitao saves money, uses credit cards to cash back consumption and enjoys "throttling"

The rapid growth of domestic Haitao market and the appreciation of RMB in recent years have made overseas goods more "cost-effective" and consumers' enthusiasm for Haitao has been continuously improved. In the face of the growing Haitao crowd, a number of banks have recently launched their own exclusive Haitao platforms and preferential activities. VisaCheckout, which has become popular in recent years, has further improved the security of Haitao because it can protect the account information and data of individuals and banks.

Insiders pointed out that whether for safety or convenience, Haitao people should apply for a special credit card for themselves according to their own situation. For consumers who want to shop around the world, a full-currency credit card with "0 currency conversion fee" can save about 1% currency conversion fee.

In addition, electronic traveler's checks also support many overseas shopping websites. Although handling electronic traveler's checks requires a certain handling fee, many banks will offer discounts for handling electronic traveler's checks from time to time, and consumers can choose to make purchases during the preferential period. According to senior sources, due to the high recognition of electronic traveler's checks on foreign websites, the chances of being cut by Haitao are relatively small.

On the other hand, knowing about the Haitao-related discounts offered by major banks at present can also "cut down" the consumption of Haitao people. Due to the increasing number of Haitao people, many banks have launched related preferential activities, especially some cashback activities.

Not long ago, Guangfa Bank launched an exclusive activity of Visa to grab the full amount of Coach in consumption abroad. As long as customers who spend abroad or overseas spend online and use the VISA route, and the spending amount of the month ranks in the top 450, they can get a Coach coin purse. The just-concluded activity discount is that you can enjoy 1 0% cash back by spending10,000 RMB per month through Coach Haitao (the monthly limit for each person is 2,000 RMB).

CCB also launched the "Enjoy Top Ten Famous Shops in Haitao 10% Reward Activity" for the huge Haitao crowd. If the cardholder uses the Longka Global Payment Credit Card marked by UnionPay (beginning with 62) to spend money in the top ten overseas online merchants such as Amazon and Lotte International Distribution, a single transaction can be cashed back as long as it is equivalent to 100 USD. Each cardholder can get a maximum reward of $60 per natural month.

Shopping on domestic shopping websites requires user name login, login password, payment password and mobile phone dynamic password. It takes about four or five times to enter the password during the whole process. On the foreign website Haitao, you only need to enter simple information such as credit card, expiration date and CVV code, and even some websites do not need to enter a password. The safety of Haitao has always been a concern of many consumers.

In order to solve this problem, China Merchants Bank, China Everbright Bank and other banks have launched the VisaCheckout payment service. On the one hand, it provides a convenient payment experience, and the safety of overseas website consumption is also guaranteed.

It is understood that, unlike ordinary Haitao payment input validity period, CVV code and other information, VisaCheckout payment does not need to register or log in to the overseas merchant website that supports this service. Just select the goods on the website, find the icon of VisaCheckout in the payment method, enter the account email address and password of VisaCheckout to complete the payment, and the goods will be sent to the address filled in the VisaCheckout account in advance.

In this process, all the information filling steps can be completed automatically through data interaction, completely omitting the information filling steps, greatly improving the user's Haitao experience. At the same time, because there is no need to register on the online shopping platform and enter passwords and CVV codes, sensitive transaction information will be saved in the VISA system, and the security will be improved.

In terms of credit card security protection, many banks have also introduced some security protection measures. For example, with the "transaction switch" function launched by Guangfa Bank, cardholders can turn off the overseas transaction function through the "transaction switch" when they are in China to prevent being stolen abroad. When you don't shop, you can also turn off the internet switch and close online transactions in card-free transactions to ensure the safety of funds.

In addition to some preferential promotions and safeguard measures of Haitao, what other Haitao conveniences can you enjoy with the bank? The public may wish to pay attention to the subdivision function Haitao platform of major banks.

According to the staff of China Merchants Bank, in April this year, the "Travel Sea Purchase" channel of the mobile phone client Pocket Life App of the bank not only provided "one-stop" services such as visa reservation and consumption abroad discount according to the various overseas travel needs of cardholders, but also could view and purchase tourism products. The Visa check-out registration and login function launched by the channel, combined with the sea purchase situation, helps customers quickly obtain overseas transshipment addresses, saves users the tedious steps of filling in card information and address information, and easily realizes one-click registration on the mobile phone.

Recently, CCB and PayPal launched an exclusive online shopping platform, which not only has hundreds of foreign high-quality merchants that China consumers like, but also provides buyer protection services. When shopping, Longka credit card customers only need to log in to PayPal account and click on the bound CCB credit card, so they can complete the payment without input. Users can give feedback to PayPal if they encounter any problems within 180 days after purchasing goods. 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.

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 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 there is enough money in the debit card, you can also repay the money directly through 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 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 (the consumption is converted into RMB in real time, and the account is kept in RMB. It will take several years for BOC's global card to achieve this function).

4. The selling price is generally low, and the foreign exchange quotations of banks are 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 price 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

I don't seem to find any advantages and disadvantages. 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, 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 in China, 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 a single credit card that can register VBV, 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.

Which is good for Haitao credit card?

Cards with four lines can be the first choice. After all, big banks are definitely more convenient in repayment. In addition, in terms of card function, CCB's global payment card is still good. Everything traded on his card can be automatically converted into RMB, and there is no foreign exchange handling fee of 1.5%, which is a great benefit for parents who often go to Haitao.

In addition, his family's annual fee is also a pro-people route. The annual fee of standard platinum card is 580 yuan, but as long as the total amount of credit card consumption or cash withdrawal is 10, the annual fee for the current year can be exempted. Titanium Platinum Card: the annual fee is 380 yuan, and the annual fee is exempted for spending or withdrawing cash by swiping the card for a total of 6 times; Annual fee of gold card 160 yuan, you can spend by credit card or withdraw cash three times a year.

China Merchants Bank Haitao Credit Card: Haitao's Necessary Credit Card for Going Abroad

20 18 summer vacation is coming. Do you have any plans to spend your holidays abroad? If so, then, be sure to bring a more cost-effective Haitao credit card. Today, I send you a big gift-2065438+08 China Merchants Bank Haitao Credit Card. Just choose the necessary credit card to go abroad.

20 18 China merchants bank Haitao credit card: JCB full currency international credit card, MasterCard full currency card, Visa full currency card and AEBlue full currency international credit card. China Merchants Bank Credit Card Application

These four Haitao credit cards belong to different card organizations, and applicants can choose according to their regions and overseas needs. In addition, these four Haitao credit cards are all currency cards, and their credit card rights are as follows:

I. Core rights and interests

1, free consumption worldwide, 0 foreign exchange handling fee;

2. Free global consumption, direct repayment in RMB, convenient repayment;

3. Give high travel insurance, pay for air tickets or tour groups with credit cards, and enjoy up to 2 million aviation insurance;

4. Unconditionally exempt from annual fee within the validity period.

Two. Exclusive rights and interests of China Merchants Bank in all currencies.

1, nuclear card ceremony

From now until 20 18, 12, and 3 1, new residents can earn 388 credit card points through their handheld life.

2, the first brush, repayment ceremony

From now until 20 18 12 3 1, all new residents who have successfully applied for China Merchants Bank's all-currency card can use this card to make any transaction with 1, or tie the card to their palm and then make any transaction with China Merchants Bank's credit card, and get: Samsonite Overseas Package or China Merchants Bank Credit Card 1000.

Three. Exclusive rights and interests of card organizations

1, JCB card (Japan)

Free airport/high-speed rail VIP room service throughout the year; Discounts for nearly 6,000 overseas high-end hotels and restaurants; A well-known Japanese food is reserved for two people for free; Airport shuttle service; Hertz car rental discount.

2. MasterCard (Europe and America)

Tax refund home, and then enjoy the highest cash back10%; Online shopping+wallet loss insurance; Hotel VIP courtesy; Discounts on popular shopping centers in the United States and Europe; TPC is provided by international golf company.

3.Visa card (Asia-Europe)

Enjoy 3 get 2 free accommodation in the first-line international hotel, free breakfast for two+vouchers up to $ 100; Free 500 yuan visa package; Free parking at the national airport; CIP green channel service for domestic flights at international airports; Universal car rental discount; Shopping, catering, parenting education manners.

4.AEBlue card (Asia, USA)

Enjoy a 10% discount when staying at Expedia Hotel after booking; Up to 15% Haitao rebate+15 USD cash back; Pick up and drop off at the concierge car at 9: 00; Some restaurants and shopping malls in Asia enjoy discounts of 50% and 15%, and the standard freight in China is free.

Summary: 20 18 The above four items of China Merchants Bank Haitao Credit Card belong to different card organizations. Applicants must choose according to the destination of going abroad, otherwise it will affect your bonus hunter.

Let's stop here for the introduction of Haitao cashback credit card.