To use ABC credit card, you must first call ABC to activate the credit card and set the payment password before you can use it normally. Credit card is mainly to promote consumption. When shopping in some big shopping malls or supermarkets, you can directly swipe your credit card according to your own quota.

How to use Agricultural Bank credit card more safely?

Precautions for credit card safety of Agricultural Bank of China, cardholders should pay attention to the separate storage of ID cards and cards in daily consumption, so as to avoid the simultaneous theft and loss of credit cards and ID cards. What else do you know? Let's have a look.

1. Cardholders can set SMS reminders for credit cards, and they can know the change of the amount in the card at the first time. If there is any abnormality, they should follow the above steps.

2. On the back of the credit card, two sets of numbers are usually indicated in italics at the top of the signature. The first four digits are the last four digits, and the last three digits are the last three digits, which can be said to be the "second password" of credit cards. The verification code set by commercial banks to ensure the security of credit card passwords is used for indirect credit card consumption transactions such as online payment. Because many illegal credit card elements are carried out through the Internet, if there is no "last three yards", even if the credit card clone is successful, it can't be swiped. Therefore, to protect the "last three yards", it can be sealed with tape at ordinary times.

3. Try to apply for and replace the extremely difficult IC chip credit card. At present, most banks have launched a variety of financial IC cards nationwide.

4. When using a credit card, don't transfer it to others, and don't give it to the clerk to collect the bill. Beware of "people with ulterior motives" using credit cards to obtain relevant information. In short, don't let the credit card leave your sight.

5. Cardholders who like "online shopping" or "Haitao" should not spend credit cards on some small trading websites for a short time. Many overseas credit card gangs are choosing these websites to steal accounts.

How to use the credit card of Agricultural Bank of China?

How to use a credit card:

Passwords are usually set. When applying for a credit card, you can choose whether you want a password or not. When spending, merchants must provide POS machines to swipe their cards.

When swiping a card, if a password is set, you need to enter the password, and then sign the list printed on the POS machine. You'd better check whether the amount is correct. Generally, you can avoid the annual fee by swiping your card more than 3 times a year.

Pay attention to the checkout date when using it, which is very important for your credit. Take CCB card as an example. If the settlement date is 10, the consumption before 10 should be returned before 30, and the consumption after 10 should be returned before 30 next month.

Another advantage of using a credit card is that it is free to swipe your card in different places. If it is a debit card, a handling fee of 1% will be charged for card swiping in different places.

Credit card limit, also known as credit card available limit, refers to the maximum amount of credit card you can use, including credit limit (that is, the maximum overdraft limit of credit card) and the amount deposited in credit card.

The amount of any credit card depends on the effective income provided by the individual during the application process and the value of the asset guarantee. The credit limit of a credit card is positively related to the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit. Therefore, the applicant must provide proof of income, provident fund social security and asset guarantee statement. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.

Skills of using credit cards

Repay in full to avoid cyclic interest.

Although banks emphasize the interest-free period when promoting credit cards, most people are not very clear about the rules of interest-free period, thus spending a lot of money. For example, during the Spring Festival, Xiao Zhang bought a new mobile phone and swiped 4,000 yuan with a credit card. At the time of repayment, there was only 3999.7 yuan in the account. After the bank deducted money, Xiao Zhang still owed the bank 0.3 yuan. Maybe this is nothing in real life, but banks don't think so. Consumers have to pay interest if they fail to repay in full, and do not enjoy the interest-free period (daily interest = the interest rate of the remaining unpaid amount of the day). It is recommended that you pay in full when you repay, so as not to cause greater losses.

Temporarily increase the credit limit and avoid credit card off the charts.

In fact, every credit card has a hidden limit. When you swipe your credit card, it is easy to use the over-limit amount, and once you use the over-limit amount, it means paying a high over-limit fee. Many consumers have a bad grasp in the process of shopping, and credit cards are often maxed out. I suggest you apply to the bank in advance to increase the temporary limit, which will not only avoid the explosion of credit cards, but also increase the credit limit.

The minimum repayment amount must be paid in full to avoid late fees.

In daily life, we often encounter invalid situations. At this time, you can choose the minimum repayment limit to repay, which can ensure that your personal credit record will not be affected, and there will not be too many late fees. However, it is important to note that the minimum repayment amount must be paid in full, otherwise you will encounter a high late payment fee.

Let's talk about the best introduction of how to make good use of ABC credit cards.