How to use a credit card after activation

After the credit card is activated, you can swipe it in a physical store for consumption, or you can bind the activated credit card through platforms such as WeChat or Alipay for online shopping and living expenses, etc.

CreditCard is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.

The form of a credit card is a card with the name of the card-issuing bank, validity period, number, cardholder name, etc. printed on the front. Consumers holding credit cards can go to a special commercial service department for shopping or consumption, and then The bank makes settlements with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

The functions of credit cards:

1. It facilitates people’s lives and saves them the trouble of carrying cash. There are no geographical restrictions on the use of credit cards. No matter when you swipe the card anywhere in the country, As long as there is a UnionPay logo, you can swipe it, and there is no handling fee;

2. You can participate in various preferential and discount activities cooperated by merchants and banks;

3. Earn money from swiping card purchases Points can be redeemed for gifts;

4. Timely repayment after swiping the card will improve personal bank credibility.

Uses of credit cards:

1. Shopping.

2. Microcredit.

3. Save money.

4. Save money when shopping.

5. Credit card value-added services, get cheap insurance and travel.

6. Credit certificate.

Credit card cash withdrawal methods are:

1. Cash withdrawal at the counter:

Card holders can bring their credit card to any bank counter and submit a cash withdrawal application to the staff. , and then enter the withdrawal password with its help to withdraw cash.

2. Bind the card to withdraw cash:

The cardholder can bind the credit card to a peer savings card in credit card online banking, and then transfer the credit limit to the savings card. Then use the debit card to spend, this behavior is also called cash withdrawal.

3. Withdraw cash from an ATM teller machine:

Insert your credit card into the ATM teller machine, enter the payment password of the credit card, select cash withdrawal, then enter the cash withdrawal amount, and finally confirm.

The methods of credit card repayment are:

1. Repayment through ATM machine. Cardholders can go to the bank's ATM machine, insert the card for deposit, and deposit the money into the credit card to repay the money.

2. Mobile banking repayment. All major banks have mobile banking software. Once installed on your mobile phone, you can repay credit cards.

3. Alipay repayment. Alipay has a credit card repayment function. Click "Credit Card Repayment" on the homepage to repay after binding the credit card.

4. WeChat repayment. There is a credit card repayment function on WeChat. Click "Me" - "Pay" to see the "Credit Card Repayment" function.

5. Repayment at bank counter. Cardholders can go to bank branches with their credit cards, ID cards and cash and handle credit card repayment over the counter.

How to use a credit card for the first time?

When you receive a credit card for the first time and prepare to open it, please pay attention to the following points:

1. Card receipt verification

1) When you receive a new card, you should Pay attention when checking new credit card letters and password envelopes to check whether the seals of the envelopes have been opened, damaged or have signs of re-gluing.

2) Check whether the credit card information, name, title, and validity period are correct, and whether the name in English embossed on the front of the credit card is the same as the content filled in the application form.

2. Sign in time

After receiving the card, immediately sign the same name as on the application form on the signature strip on the back of the credit card (of course, it must also be the same as the name on the ID document) same). This signature should also be used when using the card in the future. Signature is an important part of ensuring your safe and smooth use of the card.

Merchant and bank branches will verify your signature when accepting credit cards. Please make sure the card signature is legible.

3. Change password

After receiving the card password letter, it is recommended to change the initial password of the credit card as soon as possible to ensure the safety of the funds in the card (the password can be changed at the ATM machine or counter of the bank to which the card belongs) ).

How do newcomers use credit cards?

Newcomers need to pay attention to the following points when using credit cards:

1. After placing a credit card, the cardholder needs to activate the credit card, otherwise the card cannot be used. use. The activation method can be mobile banking, online banking, telephone customer service, etc.

2. After the credit card is activated, in order to prevent theft, attention should be paid to protecting the credit card payment password, credit card security code, cardholder signature, etc.

3. Pay attention to check and remember the credit card statement date, repayment date, annual fee payment rules and other information to avoid overdue payment.

4. Live within your means, arrange income and expenses reasonably, and avoid penalty interest due to inability to repay.

At present, various state-controlled banks and joint-stock commercial banks, whether national or regional banks, actively encourage consumers to apply for credit cards. They are also trying their best to improve their service efficiency in order to better serve consumers. Of course, since each bank has different standards, consumers may feel that some banks' credit cards are not easy to handle.

Generally speaking, China Construction Bank, Agricultural Bank of China, Bank of China, and Industrial and Commercial Bank of China have higher credit card application conditions and smaller credit lines. Generally speaking, joint-stock commercial banks are more efficient than state-controlled banks. Regional banks are more efficient than national banks. For example, China Merchants Bank, Ping An Bank, Shanghai Pudong Development Bank, China Guangfa Bank, etc. are relatively more efficient in applying for cards and have higher credit limit approvals.

In order to control risks, banks attach great importance to the repayment ability of the cardholder. The information you submit must make the bank feel that you have sufficient repayment ability. The stronger the repayment ability, the easier it is for banks to issue cards, and the higher the credit card limit will be. Therefore, here are some tips for you so that you can apply for a credit card as soon as possible:

① No matter which bank you apply for, the more detailed personal information you prepare, the better. Especially documents that document the condition of your property.

②. You can apply for a credit card online, which saves the time of waiting at the business office.

③. If you want to apply for a credit card with a larger limit, it will be more troublesome to apply at the four major state-owned banks. You can consider other banks.

If you are not in a hurry to spend with your card, it is best to enjoy the longest interest-free period. To put it simply, the interest-free period refers to the period of time when you use your credit card to overdraft without paying bank interest. However, please note that there is no interest-free period for cash withdrawals.

According to the time limit, the interest-free period can be divided into the longest and the shortest. The length of the interest-free period varies from bank to bank, but is generally 20 days to 50 days or 25 days to 56 days.

How to use credit card?

Credit cards can be used in various consumption areas, such as shopping in shopping malls, dining, etc. They can be used wherever credit cards can be swiped, and can also be bound to third-party payments, such as Alipay, WeChat, etc. The credit card will also carry out promotional activities from time to time, including activities for some merchants, restaurants, and movies. Moreover, credit card consumption enjoys an interest-free period. As long as you repay the bill in full and on time on the due payment date, you will enjoy the interest-free period.

This ends the introduction on how to use the new credit card and how to use the new credit card to increase the limit quickly. I wonder if you found the information you need?