实测Apple Pay绑Visa卡：这类卡可能受影响！

Core Viewpoint - Apple Pay has opened the option to bind Visa cards, requiring users to rebind previously linked dual-branded cards, which can now be selected for either Visa or UnionPay usage [1][5]. Group 1: Apple Pay and Visa Card Integration - Apple Pay's integration with Visa allows users to bind dual-branded cards, which previously required re-binding due to functionality changes [1][5]. - The dual-branded cards, which combine UnionPay and Visa, were created to address the challenges of using UnionPay cards abroad and foreign cards domestically during a time when the Chinese market was not fully open [5]. Group 2: User Experience and Security - The new binding process aims to enhance user experience by allowing automatic switching between available cards during transactions, although manual selection may be needed in rare cases [5]. - The non-contact payment method offered by Apple Pay is considered more convenient and secure, reducing the risk of card theft and allowing users to carry fewer physical cards while traveling [6]. Group 3: Market Context and Future of Dual-Branded Cards - Dual-branded cards are seen as a transitional product in the Chinese banking market, with no new cards being issued as foreign card organizations can now obtain licenses within China [5]. - Existing dual-branded cards can still be used, but the market for new dual-branded cards is diminishing as the landscape evolves [5].