How to use a credit card:
Passwords are usually set. When applying for a credit card, you can choose whether you want a password or not. When spending, merchants must provide POS machines to swipe their cards.
When swiping a card, if a password is set, you need to enter the password, and then sign the list printed on the POS machine. You'd better check whether the amount is correct. Generally, you can avoid the annual fee by swiping your card more than 3 times a year.
Pay attention to the checkout date when using it, which is very important for your credit. Take CCB card as an example. If the settlement date is 10, the consumption before 10 should be returned before 30, and the consumption after 10 should be returned before 30 next month.
Another advantage of using a credit card is that it is free to swipe your card in different places. If it is a debit card, a handling fee of 1% will be charged for card swiping in different places.
Credit card limit, also known as credit card available limit, refers to the maximum amount of credit card you can use, including credit limit (that is, the maximum overdraft limit of credit card) and the amount deposited in credit card.
The amount of any credit card depends on the effective income provided by the individual during the application process and the value of the asset guarantee. The credit limit of a credit card is positively related to the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit. Therefore, the applicant must provide proof of income, provident fund social security and asset guarantee statement. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.
Skills of using credit cards
Repay in full to avoid cyclic interest.
Although banks emphasize the interest-free period when promoting credit cards, most people are not very clear about the rules of interest-free period, thus spending a lot of money. For example, during the Spring Festival, Xiao Zhang bought a new mobile phone and swiped 4,000 yuan with a credit card. At the time of repayment, there was only 3999.7 yuan in the account. After the bank deducted money, Xiao Zhang still owed the bank 0.3 yuan. Maybe this is nothing in real life, but banks don't think so. Consumers have to pay interest if they fail to repay in full, and do not enjoy the interest-free period (daily interest = the interest rate of the remaining unpaid amount of the day). It is recommended that you pay in full when you repay, so as not to cause greater losses.
Temporarily increase the credit limit to avoid credit card explosion.
In fact, every credit card has a hidden limit. When you swipe your credit card, it is easy to use the over-limit amount, and once you use the over-limit amount, it means paying a high over-limit fee. Many consumers have a bad grasp in the process of shopping, and credit cards are often maxed out. I suggest you apply to the bank in advance to increase the temporary limit, which will not only avoid the explosion of credit cards, but also increase the credit limit.
The minimum repayment amount must be paid in full to avoid late fees.
In daily life, we often encounter invalid situations. At this time, you can choose the minimum repayment limit to repay, which can ensure that your personal credit record will not be affected, and there will not be too many late fees. However, it is important to note that the minimum repayment amount must be paid in full, otherwise you will encounter a high late payment fee.
How to use ABC credit card
After handling the rural commercial credit card, you need to activate it before you can use it.
After completing the activation means, you can use this card to make overdraft non-cash transactions under the special merchants of rural commercial banks.
Just swipe your card on the credit card machine provided by the merchant to complete the payment, without paying cash.
You can also take a credit card to the rural commercial bank to bind the mobile phone number and activate the credit card.
Note: (1) Please confirm that your credit card type is credit card or quasi-credit card. Credit card is a credit card provided by the issuing bank that allows the cardholder to "spend first and then deposit" in the credit card account. At present, most of them are such credit cards. Quasi-credit card is a kind of credit card issued by the bank that deposits first and then consumes. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.
(2) Please make clear the service scope, overdraft limit and repayment date of your credit card, and make reasonable and moderate consumption.
Supplementary information: Consequences of overdue credit card: 1. The liquidated damages for delivery are generally 5% of the unpaid part, that is, the minimum repayment amount. 2. It will affect your credit history, and you will not be able to handle financial needs such as house purchase and loan in the next two years. 4. If it is overdue for more than 3 months and the amount exceeds 6,543,800 yuan, the bank shall not only bear the money, but also bear criminal responsibility.
Security matters: Credit cards are facing more and more serious security problems due to the convenience of use, the rapid development of technology and the mechanism of paying first. Major international credit card groups and global card-issuing financial institutions are facing severe challenges. The security problems of credit cards are mainly divided into the following three aspects: 1.
Credit card: forged or used credit cards (expired/lost, invalid/damaged tapes, etc.) used by criminals or criminal groups. ) impersonate the original card and directly deceive merchants or card issuers.
2. Cardholder: improper storage/handling of credit cards (expired/invalid credit cards are not destroyed, or lost and not immediately invalid, etc.). ), and personal identity information is stolen or unintentionally cheated. In order to avoid such problems, citizens should not easily provide personal identification information to the outside world, and it is best not to entrust others to handle credit cards on their behalf.
3. Consumer merchants: service personnel supervise the cardholder's consumption process, or steal the cardholder's credit card information to other merchants for consumption. Whether it is physical business or virtual online business, this situation may occur.
Card issuer: The computer system was maliciously attacked and the basic customer/transaction information was stolen. Immoral things may also happen within the organization, such as employees and internal monitoring power.
How to use the credit card of Agricultural Bank?
To use ABC credit card, you must first call ABC to activate the credit card and set the payment password before you can use it normally. Credit card is mainly to promote consumption. When shopping in some big shopping malls or supermarkets, you can directly swipe your credit card according to your own quota.
How to use the dual-currency credit card of Agricultural Bank of China
The credit currency of ABC is a dual-currency credit card, which can be swiped directly when used.
This is the end of the introduction on how to use ABC credit card and how to use it. I wonder if you have found the information you need?