Question 1

Accepted worldwide

Accepted Answer

Visa is one of the biggest credit card processing networks in the world, so Visa credit cards can be used almost anywhere that accepts card payments around the globe.

Question 2

Visa Secure

Accepted Answer

Visa has its own security protection called Visa Secure (formerly Verified by Visa), which helps ensure that you are the genuine owner of the account. Visa Secure usually works behind the scenes when you're shopping online, using advanced technology to confirm your identity and protect you from fraud.

Question 3

Zero Liability

Accepted Answer

Visa cards offer a zero liability policy, so you won't be held accountable for purchases you didn't make if your card is lost or stolen or your details are used online without your knowledge.

Question 4

Visa Premium

Accepted Answer

Visa also offers a range of premium products with higher spending limits and more flexible spending controls. Perks include preferential service and benefits at hotels across the globe and emergency card replacement. Visa Infinite also offers travel insurance and a 24/7 global concierge service.

Question 5

What is a network provider?

Accepted Answer

A network provider is the company that completes the necessary communication between your credit card provider and the merchant to complete transactions. It isn’t the card issuer or card provider, which is the bank or other company that you got the card from. The main network providers in the UK are Visa, Mastercard and American Express.

Question 6

What's the difference between Visa, Mastercard and American Express?

Accepted Answer

When choosing which credit card to get, people often see it as a case of choosing Visa, Mastercard or American Express. However, the reality is they all offer a very similar service. This includes getting approval for the transaction from the card provider and confirming that with the retailer or merchant.  They will also send the money to the company you're paying. The main difference is where they're accepted – American Express is less commonly accepted than Visa and Mastercard, for instance.  Their security schemes, and the extra benefits they come with, may also vary, so make sure you compare them to be sure you’re happy.

Question 7

What are the benefits of having a Visa credit card?

Accepted Answer

There are many benefits of having a Visa credit card. In addition to being a convenient and easy source of credit, they are widely accepted across the globe. The Visa Secure scheme offers security when you’re shopping online, while global assistance 24/7 and the Travel Tools App provide help and support when you’re travelling overseas.

Question 8

Where can I use a Visa credit card?

Accepted Answer

You can use a Visa credit card in person (in shops, restaurants or other businesses), online, by phone, by mail order, in other countries or in ATMs. Check for the Visa sign to be sure a retailer accepts your card.

Question 9

How is a Visa credit card different to a debit card?

Accepted Answer

Debit cards are linked to your bank account, using your balance to pay for things. Credit card spending lets you borrow money and pay it back later.

Question 10

What charges will I pay on a Visa credit card?

Accepted Answer

Credit cards come with a range of charges, but these are set by your credit card company, not Visa. Here is how to avoid them.

Question 11

How long will it take for a Visa credit card to arrive?

Accepted Answer

It usually takes around 10 days for your card to arrive once you have applied. Here is how long it can take and how to speed up the process.