What's the difference between American Express Card of China Merchants Bank and ordinary credit card?

1. The difference between them is that American Express card has some functions besides ordinary credit cards. For example, consumption through international routes will be settled in US dollars, which can be used overseas (including Hong Kong, Macao and Taiwan), and will be repaid in RMB after accounting in US dollars.

2. American Express Card has VISA, MASTERCARD, JCB or American Express logo, so it can be used overseas (including Hong Kong, Macao and Taiwan).

3. In addition to the functions of ordinary credit cards, American Express Card also has the following functions:

4. Credit cards will be settled in US dollars in consumption abroad through international routes. If the consumption amount is not USD, there will be an exchange fee between the two currencies, which is 65438+ 0.5% of the transaction amount (2% for American Express). If the consumption amount is USD, no settlement fee will be charged.

5. If you need to repay in RMB in consumption abroad, you can open the function of purchasing foreign exchange for repayment. After successful processing, if the automatic deduction function is set at the same time, the system will automatically deduct the corresponding amount from the associated card by default according to the selling price of US dollars announced by China Merchants Bank on the last repayment date.

6. US dollar bills can also be repaid in RMB after issuance. We will settle the account according to the selling price of USD cash announced by China Merchants Bank on the repayment date.

Extended data:

Compared with the ordinary bank savings card, the most convenient way to use the card is to make ordinary consumption, and there is no cash in the card. In many cases, it is enough to return the consumption amount on time.

You can spend without deposit overdraft, and enjoy an interest-free period of 20-56 days to repay on time without any charge (most banks will charge 0.5% interest on the day of cash withdrawal, and there will be a 2% handling fee, but ICBC will only charge interest).

It is not only safe and convenient to swipe your card when shopping, but also a bonus gift.

Special merchants who hold cards in banks can enjoy preferential treatment.

Accumulate personal credit, add credit records to credit files, and benefit for life.

Access to the whole country is barrier-free, and you can withdraw money or spend money by credit card on ATM and POS machines with UnionPay logo; (Note: Credit cards are only suitable for credit card spending. It is best not to withdraw cash, which is expensive and uneconomical. )

Credit card spending, some credit cards get existing points, and various discounts and lottery activities throughout the year, so that you can always have surprises as long as you use the card; (Most credit cards have no points for online payment, but online payment is very convenient and fast. )

Mail the statement free of charge every month, so that you can grasp every consumption expenditure transparently; (Now advocating environmental protection, you can cancel the paper statement and change it into an electronic statement. )

Unique supplementary card function, suitable for husband and wife to jointly manage money or master children's financial expenses.

The free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.

400 telephone or 5-digit short number prefixed with "9" provides 24-hour service, and the report of loss takes effect immediately, with zero risk of card loss.

Validity period: It is known that the validity period of domestic credit cards is generally three to five years.

Use the third-party platform (the domestic platform supporting credit card bill management is mainly Jujindou) to conduct business cooperation and provide preferential services for cardholders.

Baidu encyclopedia-credit card