2. It can be used in China Unionpay Quick Pass APP, commercial bank APP or mobile phone manufacturer's wallet and other platforms, and can be used in e-commerce, public transportation, mobile phone wallet and other scenarios to meet the consumption and payment needs of various scenarios such as consumption, cash deposit and withdrawal, transfer, mobile phone flash payment and barcode payment. No matter what card it is, it needs to be activated before use. There are many ways to activate the credit card, such as telephone activation, counter activation, official website activation and SMS activation. When activating, you can choose the appropriate activation method according to the actual situation, and the credit card can be used normally after activation.
operating environment: vivox27, Andord5.1, China Unionpay Quick Pass APP version model 3..827
credit card tip 1: learn to read bills
open your credit card bill, which records your monthly expenses in detail. If you can't read these details well, it will be difficult to know your repayment clearly. There will be many proper terms on credit card bills, such as cash advance limit, credit limit, current billing date and so on. What everyone needs to know most is the last repayment date and the minimum repayment amount of this period. The final repayment date of this period is the final repayment period stipulated by the bank, and repayment beyond this period will be regarded as a breach of contract. The minimum repayment amount refers to the minimum amount to be repaid in this period, which is generally about 5%-1% of the total consumption.
Credit card tip 2: Make good use of interest-free period
Interest-free period is how long you can not pay interest to the bank after your credit card is overdrawn. The general interest-free period can be divided into the longest and shortest if it is divided by the time limit. The interest-free period of each bank is not the same. For example, the credit card launched by China Merchants Bank can last for more than 5 days according to the online statement. Usually swipe your card on the last day of the billing date, so you will enjoy a longer interest-free day.
credit card trick 3: learn to repay reasonably
after understanding the above two skills, you need to know how to repay reasonably. Two repayment methods are recommended here. If you have sufficient funds, you can repay in full on the last repayment date. This is the first way. If you can't come up with so much money for the time being, you can adopt the second method, that is, pay the minimum repayment amount on the last repayment date. I suggest that if you have the ability, it is best to repay in full. If you can't repay in full, you should also pay the minimum amount before the final repayment date. This is to protect your personal credit from being affected. Another thing to note is that there is cash withdrawal in the current period, and you should pay more when you repay it to offset the interest.