1 Trick: Identify the UnionPay logo of inter-bank transactions (including domestic and overseas). Bank cards issued by different banks can be used for unified deposit and withdrawal or consumption on ATM machines and POS terminals with UnionPay logo. When customers withdraw money or swipe their cards, they don't have to look for their own cards in various bank card logos as before, just look for the logo.
The second measure: remember 955 16 and the customer service phone number of the issuing bank. If you encounter problems that can't be solved in the process of using the card, call China UnionPay 955 16 and the customer service phone of the issuing bank in time to reduce unnecessary losses.
The third measure: often log on to the websites of UnionPay and the issuing bank to get the latest preferential information. From time to time, China UnionPay and the issuing bank have some preferential activities for cardholders, such as redemption of points, cumulative redemption of credit card consumption, etc., and obtain relevant information in time through the website to bring benefits to their credit card consumption.
The fourth measure: credit card consumption should use debit cards and credit cards flexibly. Debit cards are used together with credit cards, and you can get lucky draws and points by participating in preferential activities such as credit card consumption.
The fifth measure: use the bank's free channel to check the bank card balance.
The sixth measure: Pay attention to the choice of UnionPay network for overseas credit card swiping, saving 2% of the currency conversion fee. When outbound tourists spend money abroad, Hong Kong and Macao, the international card organization will charge a part of the currency conversion fee, that is, the service fee. At present, when the cardholders of "UnionPay Standard Card" whose card number begins with "62" are in consumption abroad, UnionPay only carries out currency conversion according to the stipulated exchange rate, and charges 2% less.
The seventh measure: renew the UnionPay standard card with the prefix "62" and enjoy the international standard service. Using the international standard BIN number starting with "62" of China UnionPay can not only be used in China, but also be settled in consumption abroad, allowing cardholders to go abroad smartly.
Eighth measure: Pay attention to the UnionPay logo of rural credit cooperatives, and cross-bank cards can also be used in remote areas. Through the China UnionPay exchange network, bank card withdrawals and inquiries can be made at the counters of rural credit cooperatives at or below the county level, making full use of the resources of rural credit cooperatives outlets all over rural towns, and providing convenient, fast and high-quality bank card services for migrant workers.
The ninth measure: use the UnionPay network to repay the credit card in time, without interest charges. As long as you hold the bank card of the network access institution that has opened inter-bank repayment, you can carry out self-service operation at any time on the ATM with UnionPay network, easily complete the inter-bank transfer of bank cards, and transfer the transaction funds from one bank card account to another bank card account instantly, which is convenient and fast.
10 trick: Pay attention to the preferential information of local UnionPay innovative business. Mobile phone and telephone payment are convenient and affordable.
We all know that the longest interest-free period of domestic bank credit cards is generally 50 days or 56 days (currently, Bank of Communications, ICBC and Agricultural Bank have them). This longest date refers to the consumption on the second day of the account date before you can enjoy the treatment. Therefore, as we all know, you can enjoy a longer interest-free period by swiping your card after the bill date.
But is there any way to make your interest-free period longer? The answer is yes. In some banks, the bill date can be adjusted according to your wishes. Flexible adjustment of your billing date can make your interest-free period longer. The second method is that when applying for bill installment, the bill date will be postponed to next month.
For example:
Take the action as an example, its bookkeeping date has three options: 5th of each month,15th, 25th and half a year. If your daily bill date is 5th, and last month's bill was paid on the 5th of October, 65438/kloc-0, you could have had a 50-day interest-free period when you swiped your card on the 6th, but during the period from1October 26th to February 4th, you can apply to change the bill date, and you can adjust the bill date to1October 25th. You need to repay on March 15, when the interest-free period of your 1.6 transaction will reach 70 days (March 15- 1.6). If it is still not long enough, you can apply for bill installment after the bill is issued on February 25 and before repayment. At this time, the installment of the 65438+10.6 transaction will be delayed for one month until March 25th, and you will not be required to start repayment until April/kloc-0.5. In this way, the interest-free period of your 65438+1 October 6 transaction will reach (April15-1October 6) 100 days, which is equivalent to more than three months of short-term credit extension, and the cost is only1billing installment fee.