When using a credit card for consumption, we can choose to repay with cash or charge with a credit card. The so-called requisition means transferring the money corresponding to the available limit in the credit card account to the bank card for consumption or cash withdrawal. Therefore, credit card payment is to convert the available credit limit into actual cash funds, so as to realize our consumption, investment, payment and other needs. The amount of the payment is related to the credit card limit. Each application for payment will incur a certain handling fee. Credit card requests can generally be made through online banking or mobile banking and other channels.

When using a credit card to request payment, we need to pay special attention to some issues to avoid accidents caused by improper operation. First of all, consumers should make repayments only after confirming that they have the ability to repay. Secondly, the handling fees incurred when requesting payment also need to be included in the calculation. In addition, we should avoid excessive requesting to avoid excessive repayment burden. Consumers also need to pay attention to the security of credit cards to prevent card numbers, passwords and other information from being hacked and causing financial losses. When requesting money, we should choose formal and reliable banking institutions and avoid using bank cards and ATM machines from unknown sources.

Compared with other consumption methods, credit card payment has certain advantages and disadvantages. The advantages include convenience, simple procedures, flexible use of funds, etc. At the same time, after converting the credit limit into cash, you can also obtain more income through other investment channels. The disadvantages include higher handling fees, more expensive interest, and an impact on personal credit history. After requesting the money, you must repay it on time, otherwise it will be charged back, which will have a negative impact on your personal credit record. When using a credit card to request payment, we should weigh various factors and make a reasonable choice based on our actual situation and risk tolerance.