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Today, almost everyone holds one or a few credit cards, but some knowledge of credit cards is not well understood. Some netizens said that although they have used credit cards for a long time, it is still unclear about single-currency credit cards and dual-currency credit cards, and they always cannot understand.
In fact, on this issue, we must first understand whether a single currency or a dual currency refers to whether a credit card's bookkeeping currency is one or two.
That is, the Chinese use the yuan for accounting and the Americans use the dollar.
Secondly, when a single currency is settled, it can only be settled in one currency. Double currency can be settled in two currencies, but the two currencies are not arbitrary, but are conditional.
In China, the most common single-coin card refers to the UnionPay standard card, that is, the RMB single-currency card (the only UnionPay logo on the card surface, the card number starts with 62). This kind of card UnionPay is still actively promoting, and it is settled in RMB when shopping malls are settled.
In China, the most common dual-currency card is the RMB+USD card (there is not only the UnionPay logo on the card surface, but also the VISA or MasterCard logo, which usually starts with 43 or 52). However, in rare cases, it will be booked in US dollars, but it will eventually be converted into RMB bills.
Assuming that it is a UnionPay+VISA card, it can only be brushed on a POS machine with a UnionPay logo or a POS with a VISA logo. Otherwise, it cannot be swiped.
If you swipe your card on a POS machine with the UnionPay logo, it is the same as swiping the card in China. If you are brushing on a POS with a VISA logo, you will eventually have to pay the bank a dollar.
However, if the country you are going to is not a country with US dollar settlement goods (if you are going to Japan), there will be a currency conversion problem in the amount of money swiped (that is, the amount of yen you swipe is converted into US dollar billing, and you have to collect The currency conversion fee, the specific rate is different, depending on the card organization, simply speaking, the fee for VISA and MasterCard is not the same). Of course, this process is done automatically by the bank and does not require your own calculations. What is reflected on the bill is still the US dollar.
What is a single currency credit card? What is the difference between a multi-currency credit card and a single-currency credit card?
What is a single currency credit card? What is the difference between a multi-currency credit card and a single-currency credit card? Xiaobian introduces you to the details.