How does Zheshang Bank overdraw when ordering gold cards?
It is true that there is no physical gold card, but this does not affect the overdraft consumption with this credit card. We can enter the card number, security code, expiration date, mobile phone verification code and other information of the gold card on Alipay and WeChat to bind the credit card, and then we can spend it. There are several payment channels without card:
1, Alipay: "Alipay APP—- My-Bank Card-(upper right corner) +key", used after adding a gold card;
2. WeChat: "WeChat-My Wallet-Bank Card-Add Bank Card", which can be used after adding a gold card;
3. China UnionPay Express APP: "China UnionPay Express APP- Card Management-(After Bank Card)+Key", which can be used after adding a gold card;
4. Bao Li Payment (Zheshang Payment), "Zheshang Bank Mobile Banking APP—- Hui Life-Zheshang Payment", can be used after adding a gold card;
5. Bind the mobile phone for paid use (check the security code when binding).
If you use the credit card to overdraw your consumption through the above-mentioned cardless channels, and you are prompted that "this merchant does not support it" or you cannot choose credit card payment, then it may be that the consumer merchant does not support credit card payment, and you need to use a savings card to pay or go to other merchants that support credit card transactions.
Let me remind you that it is a little different from ordinary credit card overdraft consumption, because this is an automatic installment credit card. As long as you swipe your card, the transaction will be divided into six phases by default, and then a part of the principal+handling fee will be paid back every month. Even if the consumption amount is prepaid before the bill comes out, the installment information will still be displayed after the bill comes out.