Nanjing Bank ncard credit card can be used for POS.

Nanjing Bank NCard credit card can be used for consumption, cash withdrawal, transfer, bill installment, consumption installment, etc. It is convenient, fast and personalized to use. Because of the virtual digital nature of NCard credit card, there is no need to wait for a physical card for face-to-face activation. As long as the card is approved, marketers can immediately handle face-to-face activation for customers, and customers can bind mobile payment and spend normally.

You need to pay attention to the following points when using credit cards:

1. Spend more with your card. The main way to use a credit card is to make purchases by swiping the card. You can enjoy a certain period of interest-free period by swiping the card, and sometimes there are some discounts. In addition, the annual fee exemption for credit cards and the accumulation of points are related to the number of credit card swipes, so you should use your credit card frequently to make purchases.

2. You can enjoy the longest interest-free period by swiping your card later on the bill. The interest-free repayment period of a credit card is from the date of consumption to the final repayment date. The difference between the longest and the shortest is one month. You can enjoy the longest interest-free period by swiping the card after the billing date.

3. Try not to use credit cards to withdraw cash. It is expensive to withdraw cash from an overdraft on a credit card, and you cannot enjoy the interest-free period. The amount of cash withdrawal is calculated based on the daily interest rate of 5/10,000, and a cash withdrawal fee will be deducted, which can range from tens to hundreds. Therefore, do not overdraft and withdraw cash unless it is an emergency.

4. Repay the loan in full and on time. If the repayment is overdue, the bank will not only charge overdraft interest but also late payment fees. In serious cases, it will cause bad credit and cause a lot of inconvenience for future loan applications.

5. Only pay back the debt and avoid overflowing deposits. The overpayment of a credit card is the excess deposited by the credit card holder after paying off the outstanding balance. Credit card overflow deposits will not accrue interest, and additional handling fees will be incurred if you want to withdraw them (some banks do not charge them), which is really not cost-effective.

6. Use credit card installments rationally. Credit card installment payments will incur additional fees, so be sure not to abuse them.