How to use credit cards:

1. Proper use: Credit cards require consumption first and then repayment. Users do not need to deposit money in advance. They can go directly to major places such as shopping malls and movie theaters to pay with credit cards. ;

2. Repay on time: After the user generates a bill using a credit card, he must repay before the expiration of the repayment period in the next month. You can choose to repay in installments;

3. Follow Discounts: Credit cards will launch discounts and benefits from time to time, and users can receive discounts and benefits;

4. Points redemption: Credit card points can be used to redeem corresponding gifts;

5. The bank has just placed a The credit card needs to be activated before it can be used. To activate the credit card, you can directly call the number on the credit card and listen to the voice prompts to activate it;

6. After activation, you can shop and eat in offline malls, as long as the merchant If you have a POS machine, you can usually swipe a credit card;

7. You can swipe a card for online shopping, and the credit card can be bound to Alipay, WeChat and other software for payment;

8. Consumption After the credit card is activated, you can use the card to make purchases normally. Banks will provide various preferential activities to guide you to use credit cards in the form of points, discounts, installments, promotions, etc. However, if you store your spare money in a credit card account, interest will not be calculated. A credit card is not a savings card and there is no deposit. interest rate.

1. The earliest credit card appeared at the end of the 19th century. In the 1880s, the British clothing industry developed so-called credit cards, and the tourism and business sectors followed suit. However, the cards at that time could only be used for short-term commercial credit, and the money still had to be paid as and when used. Long-term arrears were not allowed, and there was no credit limit.

2. Credit cards are generally special carrier plastic cards with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. The name of the card issuer, validity period, number, cardholder name, etc. are printed on the front, and the name of the cardholder is printed on the back. Chip, magnetic strip, signature strip. Cardholders can use their credit cards to shop and spend money with special entities and deposit and withdraw cash from banks.

3. It is said that one day in the 1950s, American businessman Frank McNamara was entertaining guests for a meal in a New York hotel. After the meal, he found that he had forgotten his wallet and had to call his wife. Embarrassed by the thought of bringing cash to restaurants, McNamara came up with the idea for a credit card company. In the spring of 1950, McNamara and his friend Schneider invested US$10,000 to establish the "diners club" in New York, the predecessor of Diners Club. Diners Club provides members with a card that can prove their identity and payment ability. Members can use the card to record their purchases at 27 designated restaurants without having to pay cash. This is the earliest credit card. This kind of credit card that does not require bank processing is a commercial credit card.