How to use credit cards

There are two ways to use credit cards:

1. When credit card holders shop or eat in offline malls, they only need to The merchant where the cardholder purchases has a POS machine, then the cardholder can hand the credit card to the mall staff, and then swipe the credit card to complete the purchase;

2. The credit card can also be bound to Alipay and WeChat Wait for the payment software and pay when you consume.

Note: When the bank first issues a card, the cardholder needs to activate the credit card before using it. The cardholder can directly call the customer service number on the credit card and then follow the voice prompts to activate the credit card.

The credit card has a cash withdrawal function, so customers can also withdraw the credit limit for use. However, everyone needs to note that the cash withdrawal limit of some credit cards is only 50% of the credit limit, so customers can only withdraw half of the limit for use.

You also need to note that credit cards often have many benefits and benefits. For example, many platinum cards have high-speed rail and airport VIP lounge services, as well as discounts on various restaurants and hotels, afternoon tea services, etc. Credit card purchases can also accumulate points, which can then be redeemed for gifts, airline miles, etc.

Of course, customers must remember to repay on time after swiping their cards to avoid overdue behavior. Otherwise, the credit card is likely to be frozen and cannot be used anymore

How to use the credit card?

How to use credit cards:

1. Proper use: Credit cards require consumption first and then repayment. Users do not need to deposit money in advance. They can directly go to shopping malls, movie theaters and other major places to use credit cards. Pay. (Shizuka says card A)

2. Repay on time: After the user generates a bill using a credit card, he or she must repay before the expiration of the next month's repayment period. You can choose to repay in installments.

3. Pay attention to discounts: Credit cards will launch discounts and benefits from time to time, and users can receive discounts and benefits.

4. Points redemption: Credit card points can be used to redeem corresponding gifts.

How to use credit cards

Credit cards are usually used in POS machine swiping, RFID machine shooting and online payment.

1. Swipe cards at POS machines.

Swiping cards at POS machines is the most common way to use credit cards, and it is a way of swiping cards 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 to connect to the bank, etc. To make a payment, enter the appropriate amount.

2. RFID machine taps the card.

Tapping the card on the RFID machine is a new type of credit card usage method, and it is also a networking method. When tapping 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 card machine according to the card issuing bank and the currency type to be paid, enter the corresponding amount, and place the credit card flatly no more than 10cm above the sensor.

3. Online payment,

From the perspective of cardholders, online payment is considered to be the riskiest among several credit card payment methods, because malicious people People may use phishing, eavesdropping on network information, fake payments, etc. to steal user information.

When paying online, you need to enter the credit card validity period, the Visa CVV2 code/MasterCard CVC2/UnionPay CVN2 number next to the signature column on the back of the card, and the online transaction password. Sometimes you need to enter your name and the one randomly generated by the web page. Verification code, etc.

Extended information:

Notes on the use of credit cards:

1. Overdue records due to annual fees,

Generally, card-issuing banks will not Jinpu Card will have an annual fee-free policy. If the annual fee is overdue, the bank will give the cardholder a grace period to complete the annual fee-free card payment requirements;

2. What to do if it is used fraudulently Overdue records generated by the card,

Due to insufficient information confidentiality, others have stolen documents and other information to apply for the card. Through appeal, the bank will generally eliminate the overdue record caused by this situation;

3. Confirm that the unpaid debt due to fraudulent transactions is overdue.

Once the fraudulent losses caused by non-person’s credit card consumption and the resulting overdue payment are verified, the bank will issue a certificate to assist the cardholder in eliminating the bad debts. Overdue records.