how to use and repay the credit card?

How to use the credit card: 1. Credit cards can be swiped from offline merchants' POS machines, paid online in shopping malls, or tied to third-party formal platforms such as Alipay and WeChat for payment; 2. You can withdraw cash at the bank's ATM, but the bank may charge a handling fee; 3. Apply to the bank for cash installment. The amount of cash installment is generally 5% of the credit card limit. After successful application, the bank will transfer the money to your savings card. Credit card repayment: 1. Repayment can be made on regular third-party platforms such as Alipay and WeChat; 2. Insert the credit card into the ATM to save money to repay; 3. Repayment can also be made in bank official website and mobile banking; 4. Set the automatic repayment function, bind a savings card, and the credit card will automatically deduct money from the savings card on the repayment date.

first, the earliest credit cards appeared at the end of 19th century. In the 198s, the British clothing industry developed the so-called credit card, and the tourism and business sectors also followed this trend. However, at that time, the card could only be used for short-term commercial credit, and the money still had to be paid as needed, and there was no long-term default and no credit line. In 195s, McNamara, an American Manhattan credit expert, dined in a restaurant. Because he didn't bring enough money, he had to ask his wife to send money. This made him feel very embarrassed, so he organized DinersClub (English: Diners Club). Members can charge their expenses by bringing a dining charge card to 27 designated restaurants without paying cash. This is the earliest credit card. Franklin National Bank was the first bank to issue credit cards, and other American banks followed suit. It is said that one day, Frank McNamara, an American businessman, entertained guests at a restaurant in new york. After eating, he found that he had forgotten his wallet with him, so he was deeply embarrassed and had to call his wife to bring cash to the restaurant to settle the bill. So McNamara came up with the idea of creating a credit card company. In the spring of 195, McNamara and his good friend Schneider jointly invested 1, US dollars to establish DinersClub, the predecessor of Diners Credit Card Company, in new york. Diners' Club provides members with a card that can prove their identity and ability to pay. With this card, members can keep accounts and spend money. This kind of credit card that does not need to be handled by a bank is still a commercial credit card.

second, the word "credit card" was originally meant to refer to this financial product introduced in this post, but savings cards that didn't have credit cards or even any credit card function were popular in China before. Therefore, the real credit card can only be called "credit card". Real credit cards have the following characteristics: cash is not allowed to be pre-deposited, consumption is followed by repayment, interest-free payment period can be enjoyed, repayment can be made by installments (with minimum repayment amount), and international credit card organizations such as VISA, MASTER and JCB can be joined for global use.

third, another way of saying credit card is that credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.6 mm, a width of 53.98 mm and a thickness of 1 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when they use credit cards, and they will make repayment on the settlement date. Except for some credit cards combined with financial cards, general credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct funds from users' accounts. In February 212, the bank confirmed that credit cards are safer without passwords, and if they are stolen, they will share the responsibility with the bank. Enjoy an interest-free period of 25-56 days (or 2-5 days). Credit card consumption enjoys an interest-free period, and the bill amount will be paid off before the due repayment date, and no expenses will be incurred. There is no interest-free repayment period for cash withdrawal, and five ten thousandths of daily interest will be charged from the day of cash withdrawal, and the bank will also charge a certain percentage of cash withdrawal fee.

how to repay by credit card?

You can make credit card repayment through the following channels:

1. Take charge of the bank: Please log in to the take charge of the bank APP, and click "Credit card → Repayment" on the home page, so that you can make credit card repayment by yourself or others. Click "Credit Card → Repayment → Set Agreed Repayment" to apply for automatic repayment of my credit card arrears of ABC.

2. online banking: please log in to personal online banking, and click "credit card → repayment → one-click repayment" to return my credit card debt; Click "Credit Card → Repayment → Agreed Repayment" to apply for automatic repayment of my credit card arrears of Agricultural Bank of China; Click "Credit Card → Repayment → Return Others' Cards" to return others' credit card debts of ABC.

Tips: If you need to repay the credit card of another bank, you can do it by "transfer".

(Answer time: June 25th, 221. In case of business changes, please take the actual situation as the standard. )

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

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

Credit card is a bank overdraft service that many people use now, which also brings great convenience to users, so more and more people start to apply for their own credit cards, but some users don't know how to use it after handling the credit card. Let's introduce how to use the credit card.

after handling the credit card, we must activate our own credit card first, and then we can pay by swiping the card offline after activation, or we can bind the third party to pay online only, and then we can repay it on schedule later.

credit card activation: generally, credit cards can be activated directly by phone or at the bank counter. After receiving the credit card, the general user has a specific activation method in the envelope file mailed by the credit card. Just follow the prompts to activate his credit card and set his own transaction password.

Don't throw away the documents mailed with the credit card immediately after activation. Users can also read their billing statement and repayment date clearly on it.

credit card swiping: the activated credit card can be swiped. When users want to spend offline, they can swipe their credit cards as long as all stores have pos machines.

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

Credit card repayment: Credit card repayment will be involved after credit card consumption. When credit card is repaid, users need to know two dates, that is, repayment date and billing date.

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

after the current bill is generated, the user only needs to make repayment according to the bill amount on his own repayment date, and make full repayment within the repayment date without paying any interest. The specific ways of credit card repayment are as follows:

1. Automatic repayment:

Users can bind a repayment bank card when they apply for a credit card. As long as sufficient funds are guaranteed in the bank card, no bank will automatically deduct the repayment.

2. Self-service terminal repayment:

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

3. Repayment by mobile banking:

Now banks have their own apps. Users only need to log in to the app and bind their credit cards, so they can directly repay the money in the app.

4. Transfer repayment:

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

5. Third-party repayment:

Alipay, WeChat, etc. can make credit card repayment, and users can make repayment directly on their repayment page according to the steps, but at present Alipay WeChat will charge a certain credit card repayment fee.

how to use and repay the credit card

1. How to use and repay the credit card correctly

The use of the credit card must follow the principles of compliance, moderation, truthfulness, etc. The cardholder must use the credit card limit within the scope of use stipulated by the bank, such as consumption, installment, etc., and to ensure the authenticity of the business, it is necessary to avoid cashing out with the credit card, otherwise it will be monitored and closed by the bank.

in addition, the credit card must be used by the person and cannot be lent to others.

2. Credit card repayment methods include:

associated debit card repayment. When applying for a credit card, we can fill in a debit card of our bank for automatic repayment to prevent forgetting to repay when due.

self-service transfer repayment, we can transfer the repayable amount of funds to the credit card through various transfer channels.

for cash repayment, we can go to outlets or ATM machines and deposit the cash directly into the credit card for repayment.

installment repayment. If you feel that the repayment pressure is too great, you can also call the credit card customer service hotline or self-help to apply for installment repayment. After success, you only need to repay on schedule.

How to repay the credit card

1. Repayment at the bank counter: go to the counter of the issuing bank of the credit card and tell the bank teller that the credit card can be repaid, and cash needs to be prepared;

2. ATM repayment: sufficient cash needs to be prepared for the deposit operation at the ATM of the credit card issuing bank;

3. online banking repayment: find a savings card with rich balance and online banking, and transfer it to a credit card account for repayment by peers or inter-banks. The inter-bank transfer operation will deduct a little service fee;

4. repayment with associated savings card: generally, when applying for a credit card, the bank staff will ask if they can apply for a colleague's savings card, associate the savings card with the credit card, and set a deduction date. As long as the savings card has sufficient assets, the bank will automatically draw money from the savings card to repay the credit card every month, without worrying about overdue repayment of the credit card.

credit card repayment process

1. Credit cards can be consumed first and then repaid, and paid off before the repayment date. The billing date and repayment date of major banks are different. Generally, the repayment date of credit card is between 15 and 25 days after the billing date.

2. The credit card has been billed first, and then it has not been billed. The credit card bill is repaid in the order of interest, handling fee, other expenses, cash, installment consumption and ordinary consumption.

3. There are various repayment methods for credit cards. The common repayment methods are: branch repayment, ATM repayment, online banking repayment, mobile banking repayment and third-party software repayment.

How to use and repay the credit card

Use and repayment of the credit card: The use of the credit card must follow the principles of compliance, moderation, truthfulness, etc. The cardholder must use the credit card limit within the scope of use specified by the bank, and it is forbidden to cash out and lend the credit card. The main repayment methods are: linked debit card repayment, self-service transfer repayment, cash repayment and installment repayment.

first, there is a function in credit card repayment called "minimum repayment amount", that is, repayment is made according to the minimum repayment amount stipulated by the issuing bank, and the minimum repayment amount is about 1% of the bill amount. However, only paying back the minimum repayment amount will bring some problems:

1. The bank will charge five ten thousandths of the loan interest from the bank bookkeeping date to the repayment date;

2. Paying the minimum repayment amount will make the bank think that the cardholder is short of money, which is not conducive to improving the comprehensive credit card score;

3. Paying the minimum repayment amount will increase the credit card debt ratio, which is not conducive to the subsequent withdrawal.

I suggest that if you have the ability to repay, you still choose to repay in full. After all, you have to pay the minimum repayment amount and a large amount of interest, which is very uneconomical.

second, a credit card is a credit product, that is, a bank lends a credit fund to a cardholder, and it must be repaid after spending it. However, a credit card has a certain interest-free period, which allows the cardholder to use the funds in the credit card for free during the interest-free period, which is equivalent to delaying the money that can be owed to the bank without paying interest.

Third, the repayment method of the credit card:

1. Counter repayment: Take the credit card to the counter of the bank to which the credit card belongs for repayment, but this repayment method is not only troublesome to go to the bank by yourself, but also a waste of time to register and queue up, so many people generally do not choose this method.

2. Self-service repayment by ATM: It mainly refers to the repayment by depositing money into a credit card at ATM. However, because only 1 yuan can be deposited at ATM, it is not particularly flexible, and the distribution density of ATMs in cities is not high, so many people will not choose this repayment method.

3. repayment by associating with other bank cards: it refers to repayment for debit cards of credit card binding peers. After the binding is successful, the bank will automatically deduct money from the bound debit card for repayment on the repayment date of each month. As long as the money in the monthly debit card is enough to pay off the loan in the last billing period, it is ok. This way is convenient and efficient, and you don't have to worry about overdue things yourself. It is the choice of many credit card users at present.

This is the end of the introduction about how to use and repay credit cards and how to use and repay credit cards. Did you find the information you need?