1, the credit card is mainly to spend first and then repay, and use the bank's funds to spend in advance and enjoy the interest-free period. This is a financial management method. 2. Credit card is not a savings card, and the deposit in credit card will not settle interest. 3. Credit cards can be used as payment tools, and can be directly consumed through POS machines installed by merchants or online payment platforms. 4. The bank will also provide you with various forms of integral, discount, installment, lottery, promotion and other activities. Credit card is also the main international payment tool. You can shop conveniently on overseas and international websites. If you travel and stay in a hotel, only a credit card can complete the hotel pre-authorization for you.
How to use a credit card?
Credit cards are mainly used to spend first and then repay, and bank funds are used to spend in advance and enjoy interest-free period. This is a financial management method. Credit card is not a savings card, and the deposit in credit card will not pay interest. Credit cards can be used as payment tools, and can be directly consumed through POS machines installed by merchants or online payment platforms. The bank will also provide you with various forms of integral, discount, installment, lottery, promotion and other activities. Credit card is also the main international payment tool. You can shop conveniently on overseas and international websites. If you travel and stay in a hotel, only a credit card can complete the hotel pre-authorization for you.
How to use a credit card?
Credit cards can be used as payment tools, and can be directly consumed through POS machines installed by merchants or online payment platforms. Credit cards can also be used to overdraw consumption. After reaching the installment amount stipulated by the bank, you can apply for installment, including bill installment and consumption installment.
In addition to consumer repayment, credit cards can also be used in stages. After reaching the installment amount stipulated by the bank, you can apply for installment, including bill installment, consumption installment, car purchase installment and house purchase installment. In addition, credit cards have points, which can be used to exchange goods, and there is an annual fee for using credit cards. The specific charging standard is different for each bank.
Extended data:
Precautions:
1. Repay the current bill amount on time.
2. Don't always spend by swiping your card at an integer multiple of 10 or 100.
3. The card swiping time should be within the business hours of the merchants as far as possible. Frequent swiping in the morning will trigger the risk control system.
4. Diversified consumption bills, so don't spend money in one place often.
5. A certain handling fee will be charged for withdrawal, ranging from 1% to 3%. Although some credit cards are free of handling fees, credit card withdrawals do not enjoy interest-free period. From the date of withdrawal to the date of repayment, the bank charges five ten thousandths of interest every day (the annualized interest rate is close to 20%).