It has nothing to do with the security of credit cards bound to WeChat. The credit card has not been deactivated by the bank, and the card status is normal and can be bound.
Wechat binds the advantages and disadvantages of credit cards, and these risks must be guarded against!
Wechat payment is a common tool for many users to pay online and offline. To use the WeChat payment function, you need to bind a bank card in the real-name registration system in advance, which can be a savings card or a credit card. So what are the advantages and disadvantages of wechat binding credit cards? Let's take a look together.
First, the shortcomings of WeChat binding credit cards
1, loss of consumption points
Bank credit card consumption will calculate consumption points, which can be used to exchange goods or enjoy certain services. But the integral rules of different consumption types are different. Credit card consumption bound by WeChat is generally regarded as an online transaction by banks, and many banks do not calculate points in online transactions.
Therefore, if the user spends a large amount, it is best to choose a credit card to spend directly, or bind some specific bank cards that cooperate with the payment platform, such as Taobao co-branded cards.
2. Payment limit
When using a credit card bound by WeChat to pay, there is generally a payment ceiling, and different banks set different ceilings. Take China Construction Bank as an example. The payment limit for using WeChat is 10000 yuan for a single account, with a daily cumulative amount of 50,000 yuan and a monthly cumulative amount of 100000 yuan. Therefore, when the payment amount is large, it will be more inconvenient for credit card to bind WeChat payment than direct credit card payment.
Second, the benefits of WeChat binding credit cards
1, record the number of swipes.
Most credit cards need to be swiped a certain number of times to avoid the annual fee. Wechat is bound to credit card online payment, no matter how much the payment is, it can be counted as the number of swipes. Therefore, for users who don't often use credit cards, it is a very effective method to pay the number of swipes through WeChat.
2. Free of charge
Under normal circumstances, when using a credit card bound by WeChat to make payment, the user does not need to charge a handling fee, and the handling fee is borne by the corresponding merchant.
The above content is about the advantages and disadvantages of wechat binding credit card, I hope it will help you. Warm reminder, financial management is risky and investment needs to be cautious.
Is credit card WeChat payment safe? Depends on your safety risk awareness and behavior!
Now many card friends don't like to withdraw cash. As long as you bind a credit card to WeChat, you can make payment at a merchant that supports credit cards. Although credit card WeChat payment is convenient and fast, many people are worried about the security of this payment method. So, is credit card WeChat payment safe? Let me introduce it to you.
Is credit card WeChat payment safe?
There are many ways to pay by credit card WeChat, one is to pay by merchants who support credit cards online, and the other is to pay by credit card through WeChat scanning code. As for the security of this payment, it can only be said that any payment method is not absolutely safe, mainly depending on how you use the card safely.
After all, credit card WeChat payment takes the UnionPay settlement channel, and in terms of settlement, banks have taken various measures in security, which can effectively guarantee the security of the banking transaction system. However, whether WeChat payment is safe or not ultimately depends on your security risk awareness and behavior.
In other words, you have to keep your card safe on your own. Specifically, you can do this:
1. If it is online shopping, be sure to know whether this website is a regular website, and don't shop on phishing websites.
2. Check the security of the payment environment when paying. It's best to kill the virus first, and don't pay in public.
3. Protect the security of your mobile phone and don't connect to public WIFI. After all, public WIFI is often transplanted to Trojans and phishing websites by criminals, which not only has many security risks, but also steals personal information every minute.
4. If it is code scanning payment, the authenticity of the barcode should be confirmed before code scanning, and the accuracy of the account information should be checked before payment after code scanning. The account needs a password for each payment.
The above is "Is credit card WeChat payment safe?" Related introduction. No matter which way we use the credit card, we must ensure the security of the credit card and eliminate any possible risks so as not to damage our assets.
Never bind a credit card to WeChat! Do you have these concerns?
Fast payment is very convenient. Many people will bind their credit cards on WeChat, so they don't have to take them out to worry about losing them. However, some people are opposed to binding credit cards on WeChat, and think that WeChat should never bind credit cards. So, does WeChat need to tie a credit card? Let me tell you about it.
Why doesn't WeChat bind credit cards?
It is found that people who oppose WeChat binding credit cards generally have these concerns.
1, easy to be stolen: most people will not quit after logging in to WeChat. If someone steals their mobile phone and guesses the WeChat payment password, they may use the bound credit card to pay, because they can trade by entering the WeChat payment password without entering the credit card password.
2, overdraft: WeChat binding credit card will test the cardholder's self-control ability. If the self-control ability is poor, WeChat binding credit card can support credit card payment. Anyway, I want to brush it, whether it can be returned or not. If WeChat is not bound with a credit card, I can't brush it if I want to.
3. There will be fees: Some people will repay directly on WeChat after their credit cards are bound to WeChat, and will not consider other repayment methods, which is more convenient. Although WeChat can provide credit card repayment service, it is not free and needs to pay a service fee of 1% of the repayment amount. The greater the repayment amount, the higher the cost.
In fact, it is not necessarily a disadvantage for WeChat to bind credit cards. The key is to rely on the cardholder's self-discipline and use it according to his own needs. For banks, they are more willing to see cardholders spending on WeChat, and many of them have given corresponding incentives. For example, WeChat credit card payment can accumulate points and even have multiple points.
The above is the introduction of "Never bind your credit card to WeChat", and I hope it will help everyone.
Is it safe to bind credit card to WeChat?
It is safe to bind the credit card to WeChat.
Wechat is a third-party payment platform under Tencent. After years of development, its functions are becoming more and more perfect and its security is getting higher and higher.
It is safe to bind the credit card to WeChat. But don't just click on the link sent to you by others.
The introduction of credit card binding WeChat security ends here.