the credit card needs to be activated before it is used for the first time, and only after it is activated can your credit card be used normally. You can activate the credit card in the following three ways

1. The banking counter at the outlet opens the card in a secret way, and you need my ID card and credit card when handling it;

2. When opening a card for online banking, if there is an online silver shield, you can set the transaction cash withdrawal password together;

3. Telephone voice self-service card opening, of course, before activation, you will need to enter some personal information to ensure that it is the cardholder himself. If the information is entered incorrectly, it will be switched to manual card opening (when setting the password, be careful not to use the birthday, ID number and simple series such as 11111 and 123456 as the password of the credit card).

2. Consumption

Credit cards can be used as payment tools, and can be directly consumed through the POS machines installed by merchants or online payment platforms.

1. The bank will also provide you with various forms of points, discounts, installment, lottery, promotion and other activities.

2. Credit card is the main international payment tool. On international websites, you only need to fill in your personal credit card information to go shopping directly. If you are on a business trip and staying in a hotel, only the credit card can complete the hotel pre-authorization for you.

3. Credit card is not a savings card, and interest will not be settled for deposits in credit card.

III. Repayment

When using a credit card for the first time, it should be noted that all bank loans or credit card repayments should be repaid in time according to the repayment period of the bank, and there should be no overdue records, otherwise fees will be incurred. Remember the repayment date of each month, check the account in time, find out the amount of consumption in the current month when the bill is paid at sunrise, prepare the funds in advance, and deposit the full amount of cash into the credit card account before the repayment date. If the repayment amount of the current month is odd, it is best to make up the odd and deposit it in the account.

Fourth, annual fee

Almost all credit cards issued by banks have annual fees, and the specific fees range from tens of yuan to several thousand yuan. The more advanced credit cards, the higher their annual fees. If you don't know what the annual fees are, you must know how many times you swipe them.

in order to encourage consumers to use credit cards, banks will implement the policy of exempting the annual fee for swiping cards according to the level of credit cards. For example, the credit card with the lowest general level will be exempted from the annual fee for the following year if it is swiped six times a year. However, it should be noted that some high-level credit cards have harsh policies of annual fee exemption. For example, some platinum cards need to be fully paid for more than 1, yuan to be exempted from annual fees, and some platinum cards can't avoid annual fees even if they are consumed, so there is nowhere to hide this fee.

The common credit card repayment methods in China mainly include the following categories (according to the cost level):

Intra-bank repayment

The repayment methods mainly include: the counter of the issuing bank, ATM, online banking, automatic transfer, telephone banking and so on. After repayment, the credit card limit will be restored immediately, and the money will generally be recorded after being processed by the system on the same day.

mobile phone repayment

the mobile phone is a personal payment terminal in the mobile financial system, which can be used for direct credit card repayment and transfer. Immediate arrival!

convenience store repayment

convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it takes 2~3 working days to arrive at the account, and no handling fee is charged for repayment in this way.

Online repayment

The common online repayment methods in China are Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay and Yifubao. Different platforms and banks are selected, and the charging standards and specific payment arrival time are different.

Inter-bank transfer

Inter-bank transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. No matter how to transfer or remit money, the remitting bank will charge a certain fee, and at the same time, the time of payment and the convenience of repayment are not as good as those in peers, online repayment and convenience store repayment.

Counter link

Counter link refers to the bank card issued by various networked financial institutions, which conducts RMB current deposit and withdrawal transactions through the counters of other bank outlets registered in the host system of UnionPay Exchange Center.

Lacarra

Cardholders can complete credit card repayment, mobile phone recharge, online bill payment and other services through convenience stores, bank outlets or purchasing "Lacarra" equipment terminals.

xinfutong

"xinfutong" smart credit card phone is an innovative electronic product independently developed by China unionpay, certified by the bank card testing center and supported by financial services provided by the inter-bank information exchange network of China unionpay.

Repayment Pass

Repayment is made by using the Repayment Pass, and the fees are generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank transfer in different places stipulated by the local people's bank.

Intelligent Repayment

A new industry, its main function is to make a good consumption and repayment plan by using the balance of about 5%-1% in the card, and then carry out automatic recycling consumption repayment through a licensed payment company to achieve the purpose of full repayment, and charge a certain handling fee. Its basic functions include bill management, local payment and free card application.