Credit card is loved by people, largely because it can overdraw consumption in advance. Of course, there are reasons why credit card consumption can sometimes enjoy many discounts. Therefore, many people will pay by credit card when spending. So, how can I swipe my credit card without it?
If the credit card is not with me, I can trade without it. Cardholders only need to provide the account number, validity period and "last three codes" information of the credit card to realize offline transactions. Many people don't need a card to book hotels and air tickets.
As long as your credit card has online payment function, even if the credit card is not around, you can scan the code to complete the payment as long as you log in to the credit card APP or mobile banking; Or bind the credit card to Alipay or WeChat for payment.
However, we also need to note that it is precisely because of the realization of card-free transactions that as long as we have relevant information, we can spend without a physical card. Therefore, everyone must take good care of their credit cards to avoid information leakage and misappropriation by others.
The number behind the credit card is the CVV code belonging to the credit card. That is, on the back of the credit card, there are 7 digits after the signature column, of which the last 3 digits are the CVV code of the credit card, commonly known as "anti-counterfeiting code". For security reasons, all credit card expiration dates and CVV codes cannot be queried. This is a check code for authentication. In order to prevent brush theft, these three numbers must be kept secret.
CVV2 code is as important as credit card password, but it is easy to be ignored. Be vigilant and don't disclose this figure easily. Because some websites, especially overseas websites, do not need a password when paying by credit card online, they only need to pass, expire and CVV2 code to complete the transaction.
1. Billing date:
The billing date refers to the monthly summary and settlement of all transactions and expenses of the credit card account in the current period, as well as the calculation of current interest, total arrears and minimum repayment amount.
For example, if your checkout date is 20th, credit card transactions before 20th of each month will be included in this month's checkout, and transactions after 20th will be included in the next checkout cycle.
The billing date is fixed, and the date of birth shown on the credit card application form (the date of birth is 29/30/3 1, and the system is randomly configured as 4-28). For more information, please refer to the bill prompt.
2. Final repayment date:
This is the last time you paid the current credit card balance. No interest will be paid before this date. If the last payment date is exceeded, interest will be calculated. So please remember the last payment date.
Card skills:
On the day of credit card consumption bill, the interest-free period is the shortest, 20/26 days;
The longest interest-free period after payment by credit card is 50/56 days.
[img] Can I withdraw money without a credit card? Pay attention to these things
Credit card withdrawal is generally operated at the counter or ATM, and cardholders need to provide valid identity documents and credit cards. But when many friends withdraw money, they find that they don't have their cards, so can they only go home to get their cards and then withdraw money? In fact, you can withdraw money without a credit card, just need to pay attention to some matters.
1. Can I withdraw money without a credit card?
Yes, but it can only be operated at the bank outlets of the issuing bank, and two conditions must be met. One is to open mobile banking, and the other is to find an ATM machine that supports card-free withdrawal/code-scanning withdrawal, and then choose one of the following two ways.
1) Cash withdrawal without card: In this case, you have to make an appointment for "Cash withdrawal without card" in mobile banking in advance. After the reservation is successful, you will receive a short message with the reservation code, and then go to the ATM machine that supports card-free withdrawal at the issuing bank outlet, select "cash withdrawal without card", enter your mobile phone number and reservation code, and follow the prompts to withdraw money.
2) Code-scanning withdrawal: find an ATM with code-scanning withdrawal function at the outlet of the issuing bank, select the option of "no card withdrawal-code-scanning withdrawal", scan the QR code on the screen with the "scan" function of mobile banking, enter the withdrawal amount and authenticate it, and then click the "Withdraw" button on the ATM according to the prompt to withdraw money.
2. Precautions for withdrawal without credit card:
There is a limit to withdrawing money without a card. Generally, only 1 1,000 yuan can be withdrawn in a single day, and only 2,000 yuan can be withdrawn within 50% of the available amount.
Don't leave the ATM in a hurry after withdrawing money. It is very important to check whether the screen has exited the login interface first. If you leave without exiting the interface, it is likely that someone else will withdraw money from the ATM again.
In addition, the amount+handling fee+interest after withdrawal will be fully included in the first installment bill, and it will not be overdue to pay it off in one lump sum. Before withdrawing money, measure whether you have repayment ability.
If I don't have a credit card, how can I check the expiration date? 90% people don't know.
When you pay online by credit card, you need to enter the validity period of the card and the three-digit security code, which are usually printed on the credit card. If the card is easy to say, you can check it out directly, but if you don't bring it and don't remember it, it will be more troublesome to check it. Let's teach you how to check the expiration date without a credit card. Let's find out.
How to check the expiration date without a credit card?
The most direct and convenient way is to call the 24-hour customer service phone on the back of the credit card. If you don't know the phone number and remember which bank the credit card belongs to, you can search the phone number online. Then, according to the voice prompt, enter the relevant numbers and transfer them to the manual customer service, so that the customer service can check the validity period of the credit card. The customer service will ask you a few questions to verify your identity, such as your ID number and residence address. You only need to answer according to the information filled in when applying. If the verification is correct, the customer service will tell you the validity period of the guest film.
In addition, if there is a card-issuing bank outlet nearby and your ID card is with you, you can directly bring your ID card to the counter of the bank outlet for enquiry.
But I need to remind you that you don't have your credit card. Calling customer service may not tell you the expiration date, even if you can provide your ID card, because the expiration date is the most important information of a credit card. When consulting, you can ask some questions that you can't refuse, for example, the credit card is worn out and you can't see the expiration date clearly. Maybe customer service will tell you.
The above is "How can I check the expiration date without a credit card?" Finally, I would like to remind you that the validity period, security code and mobile phone verification code are the most important information of a credit card, so don't leak them easily to avoid the card being stolen.
Do I have to bring a credit card when traveling abroad? . You can't get out without it.
You can travel abroad without a credit card. It is inconvenient to bring too much cash when traveling abroad, and you don't need to bring a credit card or a special visa card. With the increase of domestic overseas travel, UnionPay debit cards can be used at ATMs all over the world. Taking a credit card abroad will be beneficial to travel. The advantage of carrying a credit card is that you can use it to pay when the balance in your debit card is not enough.
Extended data:
UnionPay network has not been fully rolled out. In some countries and regions, not every merchant can swipe UnionPay cards. Visa, MasterCard or JCB credit cards are needed at this time. In order to avoid the currency conversion fee when swiping overseas, you need to choose a suitable credit card before traveling abroad.
At present, in order to facilitate the majority of cardholders to spend money abroad, major domestic banks have launched a kind of credit card: full currency credit card. All-currency credit card holders can spend money at any foreign merchant and automatically convert it into RMB after spending. You only need to repay the money according to the RMB bill when it is due, which saves the cardholder a lot of trouble.
Let's call it a day without introducing credit cards.