Scope of use of credit card
POS card swiping, online payment, cash advance and other transactions.
1, the credit card is mainly to spend first and then repay, and use the bank's funds to spend in advance and enjoy the interest-free period. This is a financial management method.
2. Credit card is not a savings card, and the deposit in credit card will not settle interest.
3. Credit cards can be used as payment tools, and can be directly consumed through POS machines installed by merchants or online payment platforms.
4. The bank will also provide you with various forms of integral, discount, installment, lottery, promotion and other activities.
Credit card is also the main international payment tool. You can shop conveniently on overseas and international websites. If you travel and stay in a hotel, only a credit card can complete the hotel pre-authorization for you.
Advantages of credit cards in the four major state-owned banks
1. China Bank Credit Card
Advantages: there are many domestic banking outlets, and the annual fee for the first year is exempted when swiping the card, and the annual fee for the next year is exempted when swiping the card for 5 times; There are SMS reminders, and SMS service is free; Credit card points are valuable; There are many preferential activities.
Second, the Agricultural Bank credit card
Advantages: ABC has many outlets and the application threshold is not high. Applying for a credit card online only requires the applicant to have a fixed job, work for more than half a year and earn a medium income; Credit card swiping is free of the annual fee for the first year, and swiping 5 times is free of the annual fee for the next year; SMS service is free; The withdrawal fee is low; The interest-free period can be as long as 56 days; The repayment method is convenient and can support automatic deduction by agreement; It also provides professional business travel services for credit card customers.
3. China Industrial and Commercial Bank Credit Card
Advantages: ICBC has the largest number of business outlets, with more than 30,000 outlets and self-service points nationwide, which is convenient for handling business; Support card-free cash withdrawal; Online payment is not limited; Interest-free repayment on the day of cash withdrawal; There is no handling fee for overpaying cash withdrawal. Take the lead in canceling the full penalty interest in China; The installment fee is low, and the conversion fee for each installment is only about 0.3%; The functions of online banking are powerful: POS confidential limit, overseas cardless payment, real-time foreign exchange purchase, self-service channel transfer and so on. You can switch freely through online banking; 20 yuan has the lowest fee for reporting the loss and replacing the card.
Four, the construction bank credit card
Advantages: CCB has many business points; Free of annual fee in the first year, and free of annual fee in the following year after brushing for three times; SMS service is free; Compared with other state-owned banks, the application threshold is lower; The handling fee of 0.5% cash withdrawal is lower than that of other banks, and overdraft cash withdrawal supports the minimum repayment; Credit card installment payment does not occupy the quota; There is a kind of credit card directly for car owners, so as long as there is a car with a displacement above 1.4, you can easily apply for a card.