1. The credit card has an abnormal transaction, which is different from the cardholder's habit of using the card. For example, if the cardholder often spends money in China, the place where he swipes the card is where he lives or lives, and the amount of swiping the card is not very high.
Suddenly, a big overseas transaction happened. For the safety of funds, banks will directly refuse to trade and temporarily freeze credit cards. This requires the cardholder to contact the bank, indicating that the transaction can be unlocked and the transaction can continue.
2. Credit cards are consumed by merchants not supported by banks. Nowadays, many banks strictly control credit card transactions in consumer fields such as house purchase and investment. For example, China Construction Bank stipulates that credit cards are not allowed to be traded in domestic real estate merchants and property tax merchants, and limit the transaction amount for domestic real estate, time-sharing housing merchants, life insurance merchants and tobacco commercial merchants.
3. If the credit card expires, or because the magnetic stripe is damaged or the data reading of the chip card fails, the transaction using these types of credit cards will be directly rejected by the bank, and it is necessary to contact the bank to replace the invalid credit card with a normal credit card before continuing the transaction.
Credit card, also called 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.
main feature
1. Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.
2. Credit card has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;
Credit card is a high-tech product integrating financial business and computer technology.
4. Credit cards can reduce the use of cash and currency;
5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;
6. Credit cards can simplify the collection procedures and save social labor;
7. Credit cards can promote commodity sales and stimulate social demand.
Financial management strategy
1, control the number of credit cards, enough is enough.
Once there are too many credit cards, it is easy to get the repayment date of this card wrong and forget the credit limit of that card, which is difficult to manage, and it is easy to cause overdue repayment and leave a bad record. Moreover, multi-card credit card points, too scattered points are not conducive to redemption of gifts. Therefore, it is suggested that only 1~2 credit card is enough.
2. Keep credit card vouchers
Most credit card holders don't care about these documents, and they won't keep them. Most of them are thrown away, which is a very bad habit. In fact, keeping good credit card vouchers is not only convenient for summarizing consumption records every month, and then analyzing and optimizing consumption habits, but also helpful for improving the rationality and transparency of credit card consumption, so as to clearly understand credit cards. Moreover, many people's credit cards do not have passwords, and discarding credit card vouchers at will may lead to the theft of credit cards.
For safety reasons, it is best to keep credit card vouchers after consumption, so that you can know fairly well and develop good credit card financial habits.
3. Reduce cash withdrawals
Credit cards have two functions: overdraft and cash withdrawal, but cash withdrawal requires a certain percentage of handling fees, and even if you deposit your own money, you have to charge. Therefore, it is not cost-effective to use a credit card to withdraw cash as a passbook.