How to use a credit card

The methods of using a credit card for spending are as follows:

1. Spending by swiping a POS machine: As long as businesses support spending by swiping a credit card, they can basically spend by swiping a credit card.

2. bind AliPay consumption: after binding AliPay, whether online payment or offline payment, as long as the payment method is set to credit card, you can use credit card for consumption.

3. bind wechat consumption: after binding wechat, you only need to choose a bank card to pay when you pay, and then choose a credit card to pay, so you can make consumption.

: What are the four main details that credit card consumption must pay attention to?

1. Don't affect personal credit information due to overdue, try to use the automatic repayment function of credit card. We know that credit card spending is easy, but it may become a bit passive when it comes to repayment. Many friends know their credit card repayment date, but on the repayment date, even though the bank has sent a warm reminder to repay on time, more than 6% credit card holders will still forget to repay. Because the pace of life is too fast now, everyone's life is under great pressure. There are a few credit cards that are too busy at work and too many trivial things in life and forget to pay back.

2. Don't use up your credit card spending limit at one time. This phenomenon does exist in real life. Some young friends, who are short of money, try their best to use up their credit cards no matter how much they have. I don't know how to use this credit card is not good for myself. A credit card has a limit of only 1, yuan. If you use it up at once, it is equivalent to an overdraft of 1, yuan. With such regular consumption behavior, banks will think that you have a bad habit of excessive consumption, and the greater the risk of funds.

3. Never use POS machine to withdraw cash from credit card. We know that credit cards can be used to withdraw cash, but a credit card can only withdraw a certain amount of cash. And you have to pay a certain withdrawal fee to the bank. Generally speaking, the rate is 1%. For example, if we spend 2 yuan, there will be a service charge for 2 yuan. And some friends are too smart. In order to save the cost of withdrawal procedures, I applied to open a POS machine, and then I swiped the POS machine at home to cash out my credit card. You can cash out many times by using the machine, but if you cash out more times, the bank will carry out risk control, which may turn off your credit card consumption and cash withdrawal functions, and it will not be worth the candle at that time.

how does Taobao pay by international credit card?

Taobao can be paid by overseas credit cards, and the methods are as follows:

1. On the order settlement page, Alipay cashier is the Chinese mainland version by default, and we choose the Hongkong version, Taiwan Province version or other overseas regional versions according to the regions of overseas credit cards.

2. We can see that the overseas card organizations currently supported by Alipay are VISA, mastercard and JCB. Let's enter the correct credit card in the column and click Next.

3. On this page, we need to fill in the name, expiration date, security code, email address and other bank card information of the credit card holder.

4. finally, fill in the credit card billing information and click confirm payment to complete the payment.

extended information

1. AliPay currently supports overseas VISA credit cards issued by international, Hong Kong, Macao and Taiwan (excluding Chinese mainland).

2. When using overseas credit cards to pay for Taobao orders, Alipay will charge a handling fee of 3%.

3. You will get a refund after 3 days of purchase, and the handling fee will not be refunded.

4. It should be noted that if the payment can't be completed because the seller doesn't support international transactions, you will be responsible for the losses (including the losses caused by bank charges and exchange rate fluctuations).