The role of credit cards:

It is convenient for people's lives and saves the trouble of carrying cash. And there are no geographical restrictions on using credit cards. No matter where you swipe your card in China, you can swipe it as long as you have the UnionPay logo, and there is no handling fee.

Be able to participate in various preferential discount activities in cooperation between merchants and banks;

Credit card spending points can be exchanged for gifts;

Timely repayment after swiping the card improves the credibility of personal banks.

The purpose of the credit card:

1. Shopping consumption.

2. Microfinance.

Save money.

4. Shopping saves money.

5. Value-added services of credit cards to obtain cheap insurance and travel.

6. Credit certificate.

Disadvantages of credit cards:

Credit cards don't cost a lot of money like paying cash. Credit card consumption tends to blur the cardholder's concept of money, leading to blind consumption.

If the cardholder fails to repay the loan on time, the bank will charge high interest;

Credit cards are basically password-free by default, so when they are lost or stolen, they are easily stolen by others, causing unnecessary troubles or losses;

Long-term malicious default will naturally affect personal credit records and even be blacklisted by banks. If you want to borrow money from the bank to buy a house and a car in the future, you may be rejected by the bank.

Credit card classification

(a) according to the different card issuers, it can be divided into bank cards and non-bank cards.

(1) bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

(2) Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

(2) According to different card issuers, it can be divided into corporate cards and personal cards.

(1) company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.

(2) Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

(3) According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

(1) ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

(2) gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.

(4) According to different payment methods, credit cards can be divided into debit cards and credit cards.

(1) credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". At present, most of the cards in circulation in the world are of this kind.

Credit card (2) debit card. It's a credit card issued by the bank. Deposit first and then spend. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.

Is the credit card useful?

Very useful!

You can usually get credit.

For example, if you plan to buy 500 yuan 1000 yuan in the supermarket, then all your money will be put in a savings card, and you only need to use this credit card for credit consumption. After 20 or 50 days, all of them will be returned to him before the final repayment date.

For example, if you want to buy something that costs a lot of money, you have to prepare a sum of money. It seems that I didn't do it for a month and a half, and the money stayed outside for a month and a half. If you have a credit card, you don't have to prepare money, and at the beginning, you need 20 to 50 days to raise funds and return them to the bank.

Is this explanation okay?

Thank you for your questions.

Hope to adopt

[img] What's the use of a credit card?

The purpose of the credit card:

1.24-hour withdrawal is convenient, eliminating the pain of waiting for withdrawal at the counter.

2. Some banks have introduced preferential measures to avoid annual fee for credit card consumption, but there is no such preferential measures for savings cards;

3. Having an overdraft credit line can alleviate the urgent need;

4. Spend points for exquisite gifts;

5. The interest-free consumption period is as long as 56 days (credit card);

6. It can be used as a registration card for personal online banking;

7. It can be used as a discount card in individual merchants;

8.ATM "Kaka transfer" is convenient;

9. National access, avoid carrying a lot of cash.

Credit card is a non-cash transaction payment method and a micro-credit payment tool provided by banks to users. The earliest credit card appeared at the end of 19.

Credit cards are divided into credit cards and quasi-credit cards, which provide settlement services, facilitate shopping and consumption, and enhance security; Simplify the collection procedure and save social labor; Promote commodity sales,++social demand and other characteristics. Credit card is a special card issued by banks or other financial institutions to people with good credit, which is used for shopping and spending at designated merchants or depositing and withdrawing cash at designated banking institutions. It is a special kind of credit certificate.

What's the use of getting a credit card

1. Relieve economic pressure.

2. Little or no gratitude.

3. You can add points to your credit information.

4. You can make rational use of rules and activities and receive gifts from banks for free. For example, some banks can receive several thousand yuan of suitcases (new users) for free.

5. Reasonable use of credit cards can establish good consumption habits.

There are many advantages to swiping a credit card, such as 50% discount for eating in some banks, 20% discount for buying one at Starbucks and 20% discount for refueling.

Credit card is a credit certificate issued by commercial banks or credit card companies to qualified consumers.

The form of credit card is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

The role of credit cards:

1. It is convenient for people's life and saves the trouble of carrying cash. And there are no geographical restrictions on using credit cards. Whenever you swipe your card anywhere in China, you can swipe it as long as you have the UnionPay logo, and there is no handling fee.

2. Be able to participate in various discount activities in cooperation between merchants and banks;

3. The points earned by credit card spending can be exchanged for gifts;

4. Timely repayment after swiping the card will enhance the credibility of personal banks.

The purpose of the credit card:

1. Shopping consumption.

2. Microfinance.

Save money.

4. Shopping saves money.

5. Value-added services of credit cards to obtain cheap insurance and travel.

6. Credit certificate.

Credit card withdrawal methods are:

1. Cash withdrawal at the counter:

Cardholders can take their credit cards to any bank counter, apply to the staff for cash withdrawal, and then enter the cash withdrawal password with their help to withdraw cash.

2. Cash withdrawal by tying the card:

The cardholder can bind the credit card with a peer savings card in the online banking of the credit card, then transfer the credit line to the savings card, and then use the savings card for consumption, which is also called cash withdrawal.

3.ATM withdrawal:

Insert the credit card into the ATM, enter the payment password of the credit card, select cash withdrawal, then enter the cash withdrawal amount, and finally confirm.

Credit card repayment methods are:

1, ATM repayment. Cardholders can go to the ATM of the bank to make a card deposit, and depositing money in the credit card means paying back the money.

2. Mobile banking repayment. All major banks have mobile banking software, which can be installed on mobile phones to repay credit cards.

3. AliPay repayment. Alipay has a credit card repayment function. Click "Credit Card Repayment" on the homepage, and you can repay after binding the credit card.

4. wechat repayment. There is a credit card repayment function on WeChat. Click "Me"-"Pay" to see the "Credit Card Repayment" function.

5. Repay at the bank counter. Cardholders can go to bank outlets with credit cards, ID cards and cash, and handle credit card repayment business at the counter.

What is the function of credit card?

Advantages of credit card: it can suspend economic pressure; Online consumption is convenient and fast; You can accumulate personal credit records. Using a credit card and repaying the loan on time can increase the credit limit.

This can save money. Many banks' credit cards cooperate with merchants. For example, there will be cash back discounts for swiping cards, and there will be discounts for eating, watching movies, shopping in supermarkets, refueling and car washing. In addition, credit card points can be exchanged for some gifts in daily life and even some lottery activities, and points can be used as money.

Suspend economic pressure. Sometimes it is urgent to use money and pay a large amount of consumption at one time, which will have certain economic pressure. If you have a credit card, you can use it to pay in installments and enjoy your favorite items in advance. The money left in hand can also be used for daily expenses and turnover.

Online consumption is convenient and fast. Many online shopping malls or Taobao shops have opened credit card payment methods, catering to consumers' psychology of spending with credit cards. Although credit card online consumption has no points, its convenient and fast payment method is liked by many people.

Accumulate personal credit records. Even if there is no big turnover demand, it usually costs money. If you use more credit cards and repay on time, you can improve your credit limit and credit rating. You will have a good credit record in the personal credit database of the People's Bank of China, and it will be much easier to approve loans to buy a house and a car in the future.

This is the end of the introduction about the use of credit cards and what is the use of credit cards. I wonder if you have found the information you need?