Can credit card security lock and limit parameter management be set through mobile banking or calling credit card customer service?
Credit card security locks and limits can be set in the credit card app client. The details are as follows:
1. If you set it yourself, you can call the credit card customer service number and ask the customer service to help change the daily limit;
2. If the bank considers the safety of using the card or For personal credit and other issues that have set a daily limit for you, cardholders can first try to see if they can cancel the daily limit. If that doesn't work, they can only contact the bank's customer service to apply for lifting the daily limit.
Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.
Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.
A credit card is generally a special carrier plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. The name of the card issuer, validity period, number, cardholder name, etc. are printed on the front, and there is a chip on the back. Magnetic strip, signature strip. Cardholders can use their credit cards to shop and spend money with special entities and deposit and withdraw cash from banks.
Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).
Product types
According to different card issuers, they can be divided into bank cards and non-bank cards
Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.
Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., used for purchasing tickets, meals, accommodation, entertainment, etc.
Shandong Pudong Development Bank Simple Platinum Credit Card
The simple version of Shanghai Pudong Development Bank Credit Card Platinum Card is very good.
Key parameters of Shanghai Pudong Development Bank Credit Card Platinum Card simple version:
Main card annual fee: Simple version: RMB 360/card
Supplementary card annual fee: Simple Edition: RMB 180/card
Cash advance: 2% of the cash withdrawal amount, minimum RMB 20/USD 2/EUR 2/GBP 2
Late payment fee (RMB or USD) : 5% of overdue repayment
Interest: daily interest rate 0.05%
Interest-free period: up to 50 days
ATM pure overflow payment cash withdrawal: Our bank's ATM: 0.5% of the cash withdrawal amount, minimum 5 yuan/transaction; other bank's ATM: 2% of the cash withdrawal amount, minimum 20 yuan/2 US dollars/2 euros/2 pounds
Read and sign up Single handling fee: Simple version: RMB 20/transaction
This simple version of the platinum card launched by Shanghai Pudong Development Bank is known as "the platinum card with the lowest threshold." This card is exactly the same as other Pudong Development Platinum cards, with the word "Platinum" clearly visible; however, the starting limit is only 6,000 yuan. It is reported that the credit limit of other banks' gold cards is generally between 10,000 yuan and 50,000 yuan, but the platinum card of Pudong Development Bank only has the credit limit of the regular card.
What does the credit card BIN parameter mean?
The first 6 digits are the BIN number.
BIN number is the bank identification code, and its full English name is BankIdentificationNumber.
BIN is represented by a 6-digit number, and the first 6 digits appearing in the BIN are assigned by the International Organization for Standardization (ISO) to each bank card organization engaged in inter-bank transfer exchange.
The bank card is a number that identifies the card issuer and cardholder information. It consists of the following three parts: the card issuer identification code (BIN number), the card issuer's custom digit, and the verification code.
What do these various parameters on the credit card mean?
The payment date of the current period: refers to the repayment time of the bill
The next period of billing date: Yes Refers to the email address given by the bank to send an electronic bill, how much should be paid this month
Credit limit: refers to the credit card's credit limit
Account balance: There is a minus sign, which means The money you spent this month
Current repayment amount: refers to the amount that should be repaid this month
Available amount: refers to how much money is left in your card
< p>Available cash withdrawal limit: The standards of each bank are different, generally it is 55, and the limit of 10,000 can be 5,000How about the simplified version of Pudong Development Platinum Credit Card? Is it worth applying?
If you want to have a platinum card from Shanghai Pudong Development Bank, you can start with the simplified version of Shanghai Pudong Development Platinum Credit Card. The application threshold for this platinum card is relatively low and it is still easy to apply. So, how about this Pufa simple white? Let’s analyze it from four aspects to see if this is a credit card worth applying for.
This simple version of Shanghai Pudong Development Bank’s platinum card is known as “the platinum card with the lowest threshold.” This card is exactly the same as other platinum cards from Pudong Development Bank. The word "Platinum" is very obvious, but it is far different from them.
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1. From the application conditions: as long as you are over If you are 18 years old, have no bad credit record, and have an after-tax annual income of more than RMB 120,000 (inclusive), you can apply for Pudong Development Platinum Credit Card.
2. From the perspective of the application limit: the credit limit of other banks’ gold cards is generally between 10,000 yuan and 50,000 yuan, but this platinum card from Pudong Development Bank only has the credit limit of the regular card. , many cardholders only approved a card limit of 2,000 yuan.
3. From the annual fee point of view: This card has no annual fee for life, which is the only advantage it has over platinum cards from other banks.
4. From the perspective of rights and interests, the simple version of the Platinum Card does not provide legal assistance, aviation insurance and other services. The redemption of aviation points is still 18 points for 1 mile (the standard version is 15 points), except for the space to increase the amount. Apart from being higher than Puka, other services are basically the same as Puka.
So many netizens joke that this card has a platinum "face" but a regular card "heart". They think that if it is not necessary, it is better not to apply. It is too insincere.
By the way, here are the key parameters of the simple version of Pudong Development Platinum Card:
Cash advance: 2% of the cash withdrawal amount, minimum 20 yuan/2 US dollars/2 euros/2 pounds
p>Late payment fee (RMB or USD): 5% of the overdue payment amount
Interest: daily expected annualized interest rate 0.05%
Interest-free period: up to 50 days
ATM pure overflow payment cash withdrawal: our bank’s ATM: 0.5% of the cash withdrawal amount, minimum 5 yuan/transaction; other bank’s ATM: 2% of the cash withdrawal amount, minimum 20 yuan/2 US dollars/2 euros /2 pounds
Handling fee for checking the purchase order: simple version: RMB 20/transaction
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Shandong Pudong Development Platinum Credit Card (simple version)
How to solve the error in the credit card swiping parameters of China Construction Bank
The line used by the card swiping machine is busy or the line is faulty, or the card swiping machine The machine itself is faulty and cannot transmit transaction information;
② Your available credit may not be enough to obtain transaction authorization;
③ The magnetic stripe on the back of the card may be degaussed or the card may be damaged. The personal information cannot be confirmed;
④ In order to prevent the risk of counterfeiting and fraudulent transactions, China Construction Bank controls the amount or frequency of card purchases at certain merchants.
If the card transaction is rejected, please call the China Construction Bank credit card service hotline, and China Construction Bank will help you find the reason.
That’s it for the introduction of credit card parameters.