Core Insights - The demand for Visa cards among young consumers reflects a significant increase in China's cross-border consumption index, which has surged by 287% over the past three years [2] - The application process for Visa cards is more complex than it appears, with hidden barriers that disproportionately affect ordinary wage earners [2] - The marketing claims of instant approval for credit cards are misleading, as actual approval times can be significantly longer due to various factors [3] - There is a growing concern regarding the lack of understanding among cardholders about the true costs associated with annual fees and hidden charges [3] - The rising overdue rate for Visa cards, particularly among the post-90s generation, indicates a shift towards debt accumulation rather than responsible financial planning [4] Application Process - Applicants need to prepare identification, income proof, and employment verification, and can submit applications through bank branches, official websites, or apps [4] - Key steps include selecting the appropriate card type, filling out the application form, waiting for credit review (typically 3-15 working days), and activating the card [4] - Important considerations include confirming whether the card's foreign transaction feature is enabled by default, understanding real-time exchange rate calculations, and setting transaction limits to prevent fraud [4] Approval and Fees - The approval process is not as instantaneous as advertised, with some applicants experiencing delays of up to 2.7 times longer during peak times [3] - A significant percentage of cardholders are unaware of the actual calculation methods for annual fees, leading to unexpected charges [3] - Some banks' promotional offers, such as "no annual fee," may come with stringent conditions that are not clearly communicated to consumers [3] Risk Management - Banks are implementing strict risk control measures, which can lead to account freezes during foreign transactions, impacting normal consumer behavior [3] - Data shows that transactions exceeding 50% of monthly income are likely to trigger manual reviews, indicating a cautious approach to fraud prevention [3]
visa卡怎么办理?境外消费返现背后的猫腻:手把手教你选对Visa卡