The way to handle the virtual card is to log in to the personal online bank first, then choose the virtual card under my account, then choose to open the card, and choose the source account according to the prompt to operate. After the virtual card application is successful, the system will prompt CVV2, expiration date and other information.
Fee: 5 yuan handling fee is required for opening an account with a virtual card.
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Credit card, also known as debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers.
It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
Second, the rational use of credit cards:
1. We should make full use of the interest-free period of credit cards.
The interest-free period of credit cards in different banks is different, but it can basically be more than 30 days, and some banks can even reach more than 50 days. If we can repay the credit card in full before the repayment date, it basically means that we enjoy the interest-free period of 30~50 days in advance. For friends who can use credit cards flexibly, we can regard this period as our stable cash flow.
2. It's best not to use installment payment and minimum repayment amount, and don't take the initiative to withdraw cash.
Some people can't repay their credit cards in full before the repayment date, so they will use installment payment and minimum repayment amount. These two methods seem to alleviate a person's financial difficulties, but the annualized comprehensive interest is very high. Generally speaking, the annualized comprehensive interest of credit cards can reach 18%, which is already very high. At the same time, the active withdrawal of credit cards will also generate high interest charges.
3. We can participate in credit card points activities.
Every bank's credit card will basically launch corresponding points activities, and when we use the corresponding consumption behavior, we can get equivalent points. After we have accumulated a certain level of points, we can exchange them for equivalent items. I suggest friends pay more attention to their credit card points, which is also a process of many a mickle makes a mickle.