When spending, cardholders can swipe their cards directly on the pos machines of merchants that support credit cards. You can also bind third-party applications, such as Alipay and WeChat, and pay for consumption by credit card.
The credit card swiping method is:
1. Give the credit card to the cashier of the merchant, and the cashier will swipe it on the POS machine.
2. The cardholder enters the credit card password.
3.pos will automatically print out the transaction voucher.
4. The cardholder signs the transaction voucher and the transaction ends.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
How do I use my credit card?
First, physical store credit card consumption. Generally, all merchants marked with "UnionPay" and "VISA" support credit card consumption.
Second, bind Alipay or WeChat for consumption. When spending in shopping malls or other places, you can use Alipay or WeChat to pay.
Third, online consumption.
In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, a legal person can also be an applicant.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.
Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.
Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.
After the applicant successfully applies for a credit card, the issuing bank will open a separate credit card account for the cardholder at the issuing bank for shopping, consumption and settlement after cash withdrawal.
Because the credit card application is approved by post, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened. Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements.
At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card.
How to spend the credit card?
Credit cards can be used in various consumption fields, such as shopping and eating in shopping malls. , as long as it can be used anywhere, it can also be bound to third-party payment, such as Alipay and WeChat. Moreover, credit card consumption enjoys an interest-free period, as long as it is repaid in full and on time according to the bill amount on the due repayment date, it enjoys an interest-free period.
How to spend the money in the credit card?
Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
Compared with ordinary bank savings cards, the most convenient way to use credit cards is for ordinary consumption, and there is no cash in the cards, which can solve the temporary economic crisis. In many cases, it is only necessary to return the consumption amount on time.
Extended data:
Credit card advantages:
1, you can spend without overdraft and enjoy an interest-free period for a certain period;
2. Credit card consumption is safe and convenient, and credit card can also accumulate points;
3. You can enjoy the discount by swiping your card at the bank's special merchants;
4. Accumulate personal credit and form a good credit record;
5. National access is barrier-free, and cash withdrawal or consumption can be made at ATMs and POS machines with UnionPay logo.
Baidu encyclopedia-credit card
So much for the introduction of how to spend credit cards.