Does it matter if you swipe your card in different places?
In fact, there is no difference between local and different places in the use of credit cards. You can use your credit card all over the country or even abroad. Anyway, as long as the place where you spend money can support credit card swiping, you can swipe your card no matter where you are, and it won't have any impact.
however, there is one exception. That is to say, if you are local, but your credit card is spent in a different place, this situation will have an impact.
1. If you didn't swipe your card yourself, it means that your credit card was stolen and brought you economic losses. In this case, you should contact the bank to freeze your credit card in time, and then lose money through various channels. If the money is not recovered, then you need to advance it yourself on the last repayment date, otherwise it will affect your personal credit.
2. If you swipe your card yourself, it may be that you swiped the POS machine and skipped the code. If you swipe your card frequently, you will be easily exposed to the risk control of the bank because you are suspected of cashing out, and the bank will take measures to reduce your amount or seal your card, so the consequences will be more serious.
Advantages of credit card
Compared with ordinary bank savings card, the most convenient way to use credit card is to make ordinary consumption without cash in the card. In many cases, it is only necessary to return the amount of consumption on time.
you can overdraw your consumption without deposit, and you can enjoy an interest-free period of 2-56 days. You can repay the money on time without any interest (most banks will charge .5% interest on the day of cash withdrawal, and there is a 2% handling fee, while ICBC will charge no handling fee and only interest).
swiping your card while shopping is not only safe and convenient, but also a bonus gift.
special merchants who hold cards in banks can enjoy discounts.
accumulate personal credit, and add a credit record to your credit file, which will benefit you for life.
it is barrier-free to pass through the whole country, and you can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo; (Remarks: Credit cards are only suitable for spending credit cards, and it is best not to withdraw cash, which is very expensive and uneconomical)
Credit card spending, some credit cards taking existing points, and various discounts and lottery activities throughout the year will make you feel pleasantly surprised at all times as long as you use the card; (Most credit cards have no points for online payment, but online shopping payment is very convenient and fast)
Mail the statement free of charge every month, so that you can grasp every consumption expenditure transparently; (environmental protection is advocated now, and the paper statement can be changed into an electronic statement.)
The unique supplementary card function is suitable for the husband and wife to manage their finances together or to master their children's financial expenses.
The freely chosen form of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.
4 telephones or 5-digit short numbers with the prefix of 9 provide 24-hour service, and the report of loss takes effect immediately, with zero risk of card loss.
possession validity period: it is known that the validity period of domestic credit cards is generally three or five years.
use the third-party platform (the domestic platform supporting credit card bill management is mainly Jujindou) to conduct business cooperation and provide preferential services for cardholders.
disadvantages of credit cards
The invention of credit cards is like a double-edged sword, which can solve the temporary economic crisis. However, the purpose of issuing credit cards is to make money. Once the interest-free repayment time is exceeded, high interest will be charged, usually five ten thousandths of the daily interest.
Blindly spending money by swiping a card is not like spending money one by one like paying cash. When you swipe it, you feel nothing. A few figures lead to blind spending and spending money like water.
Over-consumption of notebooks, digital cameras and smart phones should be phased in. While enjoying your favorite items in advance, you should also consider whether you can repay them.
high interest. if you can't handle your credit card, and you can't repay it as scheduled when the final repayment date comes, the bank will charge you high interest. (The minimum repayment of a credit card in the first month shall not be less than 1% of its overdraft amount in the current month) [8]
Credit cards that need to pay an annual fee basically have an annual fee, but basically there is a policy of exempting the annual fee. For example, CCB can waive it as long as it swipes it three times a year; But if you don't swipe your card the number of times specified by the bank in a year, you need to charge an annual fee.
Stealing a credit card is basically a password-free credit card consumption by default, which makes it easy to be stolen by others when it is lost or stolen, causing unnecessary trouble or loss; But in fact, credit cards can also be used to charge by password-it depends on how you manage your credit card. Of course, many people, because of their lack of experience in this field, have not cancelled their credit cards and have been re-applied for credit card overdraft by some lawless elements, which is not worth it.
Long-term malicious arrears affecting personal credit records will naturally affect personal credit records and even be blacklisted by banks. In the future, if you want to borrow money from banks to buy a house or car, you may be rejected by banks.
Cancellation Trouble CCTV once reported that a cardholder had received a bank bill several months after paying off all the debts and canceling his credit card, and the subsequent events made him miserable. This article entitled "Unclear Credit Card" exposed the disadvantages of current credit cards.
although the credit card has an interest-free period, it is only for credit card consumption. There is no interest-free period for cashing, and there is a handling fee.
is there a handling fee for swiping credit cards in different places?
Abstract: Many consumers may have to go out of the province for business or tourism, so it is inconvenient to carry cash, and they usually have to swipe their credit cards. How do you charge for cross-provincial and off-site consumption? Is there a handling fee for swiping a peer credit card?
there is no local or remote problem with credit cards. You can swipe your card directly on the POS card swiping machine, and the handling fee is entirely borne by the merchant, and the cardholder does not have to bear any handling fee.
if you withdraw cash directly from an p>ATM (advance cash), there will be differences between local and different places.
for example, ICBC and Minsheng's credit cards do not charge a handling fee for local bank withdrawals, while China Merchants Bank and other banks charge a handling fee of 1% regardless of local or remote ATM withdrawals.
what is the impact of frequent credit card swiping in different places? These consequences are more serious
A friend asked a question: He said that he had a credit card in his hometown, but people went to work in other places, but they often used it to spend money. Is this a case of swiping a card in a different place? What impact will it have if the credit card is swiped in a different place where it is not used?
in fact, this kind of situation can be regarded as swiping a card from a different place, but generally, as long as the card is swiped normally, nothing will affect it. After all, the CBRC did not force credit cards to be consumed locally. Otherwise, why did many banks buy credit cards from consumption abroad? If they can only consume locally, it is useless at all.
Therefore, there is no distinction between local and remote use of credit cards. You can use your credit card all over the country, or even abroad. Anyway, as long as the place where you spend money can support credit card swiping, you can swipe your card no matter where you are, and it won't have any impact.
however, there is one exception. That is to say, if you are local, but your credit card is spent in a different place, this situation will have an impact.
1. If you didn't swipe your card yourself, it means that your credit card was stolen and brought you economic losses. In this case, you should contact the bank to freeze your credit card in time, and then lose money through various channels. If the money is not recovered, then you need to advance it yourself on the last repayment date, otherwise it will affect your personal credit.
2. If you swipe your card yourself, it may be that you swiped the POS machine and skipped the code. If you swipe your card frequently, you will be easily exposed to the risk control of the bank because you are suspected of cashing out, and the bank will take measures to reduce your amount or seal your card, so the consequences will be more serious.
The above is the introduction of "What's the impact of frequent credit card swiping in different places?" I hope it will help you. In a word, whether the frequent swiping of credit cards in different places has an impact mainly depends on whether the cardholder swipes the card normally. If not, it will have more serious consequences. Here, it is recommended that you use the card in compliance.
This concludes the introduction of credit card swiping from other places and swiping from other places. Did you find the information you need?