How to use a credit card and how to pay back money after swiping the card

Credit card is a bank overdraft service that many people are using now. It also brings great convenience to users, so it is becoming more and more popular. More and more people are starting to apply for their own credit cards, but some users don’t know how to use them after applying for them. Let’s introduce how to use credit cards.

After we apply for a credit card, we must first activate our own credit card. After activation, we can pay by swiping the card offline, or we can bind a third-party payment to pay online only, and then repay the money on schedule later. That’s it.

Credit card activation: Activating a credit card can generally be done directly over the phone or at a bank counter. After receiving the credit card, the general user will find specific activation methods in the envelope mailed by the credit card. Follow the prompts to activate your card. Just use your credit card and set your own transaction password.

Do not throw away the documents mailed along with the credit card after activation. Users can also see their billing date and repayment date clearly on it.

Credit card swiping: The activated credit card can be swiped for use. When the user wants to make offline purchases, as long as the store has a POS machine, the user can swipe the credit card for consumption.

In addition, users can also bind their credit cards to payment channels such as Alipay and WeChat, and then use their credit cards to pay directly when shopping online.

Credit card repayment: Credit card repayment involves credit card repayment. When repaying a credit card, users need to figure out two dates, namely the repayment date and the billing date.

Your consumption will generate a repayment bill on the bill date, and your consumption after the bill date will be generated in the next bill.

After the current bill is generated, users only need to repay according to the bill amount on their repayment date. They must repay in full within the repayment date without paying any interest. The specific methods of credit card repayment are as follows:

1. Automatic repayment:

Users can bind a repayment bank card when applying for a credit card, as long as there are sufficient funds in the bank card , then the bank will automatically deduct the repayment.

2. Self-service terminal repayment:

Users can directly deposit the repayment funds into their credit cards at the self-service deposit and withdrawal machines of their banks for repayment.

3. Mobile banking repayment:

Now banks have their own apps. Users only need to log in to the app and bind their credit card, and then they can make repayments directly on the app. .

4. Transfer repayment:

Users can make credit card repayments through transfers from other banks, as long as the funds are transferred to their own credit cards.

5. Third-party channel repayment:

Credit card repayments can be made through Alipay, WeChat, etc. Users can repay directly according to the steps on their repayment page, but currently Alipay WeChat A certain credit card repayment fee will be charged.