the biggest function of a credit card is that you can spend money in advance, that is, you can pay back the money first. Its consumption methods are various, which can be summarized as follows:
1) You can spend money by swiping your card in physical stores, such as supermarkets, shopping malls, hotels, restaurants, hospitals, railway stations, airports and other places, that is, places with POS machines. With the development of the Internet, cashless consumption is now advocated, and these places can also use Alipay or WeChat wallet for consumption, which belongs to the next consumption mode. Generally, all merchants marked with "UnionPay" and "VISA" support credit card spending.
2) Binding Alipay or WeChat for consumption: Take Alipay as an example. After punching in Alipay, click Add Bank Card to bind your credit card to Alipay. WeChat is similar. When spending in shopping malls or other places, use Alipay or WeChat to pay, and then select this bank card to complete the consumption with this credit card.
3) Online consumption: If online banking is enabled on your credit card, firstly, when you use online payment software such as Taobao, Vipshop, Meituan, or some websites, such as buying airline tickets in official website, you can directly choose to pay by bank card, so you can also use this credit card to spend. Or bind Alipay and make payment on the corresponding software. After spending six times with a credit card, the annual fee for that year can be waived. Generally speaking, as long as you keep the normal borrowing and repayment, there will be no other expenses except the annual fee.
Of course, all credit cards have a loan limit. This credit limit is dynamic. It will fluctuate slightly according to your monthly credit situation. If you have a good credit, you may increase the limit, while if you have a bad credit, you may decrease the limit. If you use a credit card to spend money, you must ensure that it is within this quota, that is, the money you spend cannot exceed this quota, otherwise it cannot be swiped.
operating environment:
mobile phone model: ELS-AN 2...212
computer: windows1
AliPay: 1.2.6.82
wechat: 8..16.