Whether a credit card can be swiped for consumption mainly depends on whether there is an available limit on the card, so as long as there is an available limit on the card, you can also swipe the card for consumption on the repayment date.

After the credit card applicant successfully applies for a credit card, the card issuer will open a separate credit card account for the cardholder at the card-issuing bank for settlement after shopping, consumption and cash withdrawal.

Since the card is sent by mail after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from fraud losses, the credit card has set up a card opening procedure before it is officially launched. Card opening is mainly done by phone or online. The relevant personal information provided during the application is checked. Once the information is met, the card opening process is completed. At this point, the applicant becomes the card holder and can officially start using it after signing on the back of the card. After opening a credit card, you generally need to set up a password for the card.

After accepting a credit card, a credit card merchant or bank must review the validity of the credit card and the identity of the cardholder.

At least the following information should be on the credit card:

Front: name and logo of the issuing bank, credit card number (organization logo) and holographic anti-counterfeiting mark, card number, name in English or Pinyin, activation Date (generally calculated to the month), validity date (generally calculated to the month), the latest issued card is equipped with a chip on the front, and the chip account and the card magnetic stripe account are two relatively independent accounts.

Back: card magnetic stripe, cardholder signature field (signature required after activation), service hotline number, last four digits of the card number or the entire card number (to prevent fraudulent use), credit card security code (on the credit card On the signature line on the back, there are three digits immediately following the last four digits of the card number, which are used for credit card activation, password management, TV, telephone and online transactions, etc.).

Swiping your card on a POS machine is the most common way to use a credit card, and it is a way of swiping your card online. When swiping a card, the operator should first check the credit card's validity period and cardholder's last name and other information. Then, select the corresponding POS machine according to the card issuing bank and the currency type to be paid, and slide the magnetic stripe of the magnetic stripe credit card on the POS machine, or insert the chip credit card into the card slot, connect to a payment gateway such as a bank, and enter the corresponding amount. . After the remote payment gateway accepts the information, the POS will print out a receipt for payment by card (at least two copies). The cardholder should sign the receipt after checking that the information on the payment receipt is correct. After the operator checks the signature on the receipt and the signature on the back of the credit card (including that the name completely matches and the handwriting basically matches), the operator gives the credit card and a copy of the card payment receipt to the cardholder. At this point, the card swiping procedure on the POS machine is completed.