How to use credit card for consumption
Credit cards can be used in physical stores for consumption, and can also be bound to Alipay or WeChat for consumption, and can also be used for shopping online.
1. Credit card consumption in physical stores
For example, in supermarkets, shopping malls, hotels, restaurants, hospitals, train stations, airports and other places, that is, where there are POS machines, credit cards can be swiped To consume. In these places, you can also use Alipay or WeChat wallet for consumption. Generally, all merchants marked with "UnionPay", "VISA" and other logos support credit card payments.
2. Bind Alipay or WeChat for consumption
Take Alipay as an example. After opening Alipay, click Add Bank Card to bind the credit card to Alipay. Similar to WeChat, in shopping malls or When making purchases elsewhere, use Alipay or WeChat to pay, and then select this bank card to complete the consumption using this credit card.
3. Online consumption
If the credit card has opened online banking, then use Taobao, Vipshop, Meituan and other online payment software or some websites such as airline official websites to purchase When buying air tickets, you can directly choose to pay with a bank card, so you can also use this credit card to make purchases, or bind Alipay and perform payment operations on the corresponding software.
How to use POS to swipe a credit card and POS machine to swipe the card?
The use of credit cards is a non-cash transaction. Generally, when spending in shopping malls, credit cards are swiped with a POS machine. In daily life We can all see it in , and we can see it a lot more on TV. However, do you know how the POS machine swipes credit cards? Next, I will introduce to you the specific steps for swiping credit cards at the POS machine.
How to use POS with credit card
The steps to swipe a credit card on a POS machine are as follows:
1. First, in the first step, we need to enter the information we want to swipe on the POS machine. amount.
2. Swipe the magnetic stripe of the credit card into the card reading slot of the POS machine, or place the credit card chip in the chip reading area of ??the POS machine.
3. Enter the credit card password and click Confirm.
4. After the POS machine passes the verification, the transaction can be completed.
5. After the transaction is successful, the POS machine will print a transaction receipt.
POS is a multi-functional terminal that can be installed in credit card merchants and acceptance outlets and connected to a computer network to realize automatic transfer of electronic funds. It supports consumption, pre-authorization, and balance. Functions such as inquiry and transfer are safe, fast and reliable to use. It is difficult to obtain basic business information in bulk transactions. The introduction of POS systems is mainly to solve the blind spots of information management in the retail industry. An important part of the chain store management information system.
My friends, after reading the above content about how to swipe credit cards at POS machines, everyone understands the process of swiping credit cards at POS machines. It is actually very simple. First, enter the consumption amount, and then swipe the credit card. Ask the credit card holder to enter the password, confirm, and print the receipt.
How to use credit card to make purchases?
1. You can go to physical stores for consumption, as long as there is a POS machine.
2. You can bind Alipay or WeChat for consumption, and you can also shop online.
Generally speaking, POS transactions at designated credit card merchants or online shopping on designated websites are considered consumption. Specifically:
(1) Credit card payment for medical treatment: If the hospital uses POS, it is generally calculated based on consumption. But if there is an ATM in the hospital, then you can withdraw cash by paying a fee at the ATM.
(2) Paying mobile phone bills is considered a transfer, not consumption. It means transferring money from your account to China Mobile (or China Unicom or China Telecom). The transfer is regarded as a cash withdrawal.
(3) Electricity purchase, same as above. Transfer to the power company, the transfer is treated as cash withdrawal.
(4) Pay membership fees online. Dual-currency credit cards can be used for online transactions on domestic and overseas websites.
If you follow the general online shopping method when making a transaction, it will be counted as an online transaction, and the online transaction will be counted as consumption. But if it is an online transfer, it is regarded as a cash withdrawal.
(5) Online shopping is regarded as consumption.
(6) Paying the annual Internet fee online and transferring funds are regarded as cash withdrawals. To sum up, under normal circumstances, shopping using POS is counted as "consumption", and online shopping is counted as "consumption". Among the consumption parts, points can be enjoyed for parts other than online consumption, house purchase, car purchase, wholesale, charity and other consumption transactions of merchants deemed by the bank as not being able to accumulate points.
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How to swipe a credit card correctly?
Credit cards are a consumption tool that we often use in our lives. For example, you can use credit cards when visiting supermarkets, buying tickets, going out to eat, etc. However, some people may also ask: How to use credit cards correctly and beneficially? What about increasing the amount?
The following is a summary of three aspects:
1. Try to diversify consumption methods.
Credit card swiping fees are an important source of business income for banks. Like installment business fees, banks also hope that cardholders will swipe their cards more, but they cannot swipe randomly. It is recommended that you keep the total credit limit at about 10 per credit card swipe. Don’t spend all your money in one go, but make small purchases at multiple merchants.
2. Do not swipe your card at inappropriate times.
Some people like to swipe tickets for movie theaters in the middle of the night, or swipe POS machines at breakfast restaurants at night. These are taboos. If abnormal credit card swiping is detected by the bank, a system warning will be triggered, and in severe cases, the credit limit will be directly reduced.
3. Do an appropriate staging.
Banks are profitable enterprises. If a cardholder has a high credit limit but does not use the card for a long time, the bank will also reduce the credit limit. Similarly, if our limit is very low but we make installments every time, the bank will be happy to increase the limit.
In addition, there are some details that we need to pay attention to: for example, do not lend your credit card to others, do not use third-party non-compliant POS machines, do not transfer repayments in the name of others, etc.
How do I use a POS machine to swipe a credit card?
The POS machine is a terminal reader equipped with barcode or OCR code technology, and has a cash or barter limit cashier function.
Its main task is to provide data services and management functions for commodity and media transactions, and to conduct non-cash settlement.
The operation method of swiping a credit card at a POS machine is as follows: Enter the amount to be swiped on the POS machine, insert the magnetic stripe (or IC chip) of the credit card into the POS machine, read the credit card information, enter the credit card password, and confirm , the password verification is passed, the transaction is successful, and the POS document is printed out.