How to use credit cards

1. Credit cards are divided into credit cards and quasi-credit cards. A credit card means that the cardholder has a certain credit limit and can use the credit card within the credit limit. A credit card that consumes first and repays later; a quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient to pay, the quasi-credit card can be overdrafted within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

2. The method that allows cardholders to pay off their credit card accounts without deposits is "spend first, deposit later". Most of these cards are used internationally. It has both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using their credit cards.

Extended information:

Credit cards can be repaid at the card-issuing bank, via WeBank POS mobile phone, and by transfer/remittance.

1. Within the card issuing bank

This method includes: card issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

2. Weiyintong POS mobile phone

Weiyintong POS mobile phone is a mobile financial system personal payment terminal, which can be used to directly swipe credit cards for repayment, as well as transfer and other services. . Instant payment!

3. Transfer/remittance repayment

It is mainly divided into two methods: inter-bank in the same city and inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

How to use credit card?

How to use credit cards:

1. Proper use: Credit cards require consumption first and then repayment. Users do not need to deposit money in advance. They can directly go to shopping malls, movie theaters and other major places to use credit cards. Pay. (Shizuka says card A)

2. Repay on time: After the user generates a bill using a credit card, he or she must repay before the expiration of the next month's repayment period. You can choose to repay in installments.

3. Pay attention to discounts: Credit cards will launch discounts and benefits from time to time, and users can receive discounts and benefits.

4. Points redemption: Credit card points can be used to redeem corresponding gifts. [img]

How to use a credit card

The credit card can be used after activation at the counter.

Notes on using credit cards: 1. Repay on time: If the debt is not paid off on time, it will affect your credit record, and you will also be charged penalty for delay. 2. Consumption diversification: You can swipe your card for consumption in places you don’t use, such as restaurants, shopping malls, etc. 3. Don’t swipe the card too frequently: The frequency of swiping the card should not be too frequent. If the card swiping action is abnormal, the bank will easily carry out risk control.

1. The meaning of credit card: Credit card is just another kind of loan from the bank. Simply put, the bank lends us money first and can give us an interest-free period of one month to fifty days. Solve your crisis at that time and buy what you want in advance; when using a card, you must know that we need to use it before using a credit card to spend.

2. Don’t cash out randomly: Banks do not allow cash out. Follow these points to make the bank feel that the money is safe with us and you can make money. If you follow this purpose, there will be no problem. .

3. Timely repayment is a must: having credit card credit is the first priority. If you don’t want it, don’t use it, because credit is related to your future business dealings with banks, especially loans and other businesses. .

Credit card repayment method:

Counter repayment: Credit card repayment is made at the counter of the credit card issuing bank. This is a very traditional credit card repayment method because it is time-consuming and difficult to use. There are already very few people. ATM: When using an ATM to repay a credit card, you mainly deposit money into the credit card at the card-issuing bank's ATM. However, the ATM can only deposit a hundred RMB, which is not flexible enough.

Linked repayment: Bind a credit card to a debit card for repayment, and the bank will automatically deduct the payment on the final repayment date every month. As long as you ensure there is sufficient balance in your debit card, this method is very convenient and efficient. Lakala and other self-service machines: Many supermarkets and shopping malls have UnionPay self-service repayment equipment. You can use any bank debit card to repay your credit card. Online repayment: The official website of the card-issuing bank generally supports credit card repayment. At the same time, with the rise of mobile payment, tools such as Alipay, WeChat Wallet, mobile banking APP, and the WeChat official account of the card-issuing bank allow us to complete credit card repayments anytime and anywhere.

Personal suggestion: As big data continues to be used in risk control, and private credit systems such as Sesame Credit continue to emerge, my country's credit system is accelerating to be improved and improved, and personal credit will play an important role in our lives. play an increasingly important role. So be sure to remember to repay on time.

How to use a credit card?

After applying for a credit card, the customer activates the card and then can go to shopping malls, department stores, supermarkets and dining and entertainment venues for consumption, as long as the merchant has a POS machine. .

In addition, customers can also bind their credit cards to WeChat or Alipay, and then make purchases online. E-commerce platforms such as Taobao, Tmall, JD.com, and Suning.com have many contracted merchants that support credit card payment.

The credit card has a cash withdrawal function, so customers can also withdraw the credit limit for use. However, everyone needs to note that the cash withdrawal limit of some credit cards is only 50% of the credit limit, so customers can only withdraw half of the limit for use.

You also need to note that credit cards often have many benefits and benefits. For example, many platinum cards have high-speed rail and airport VIP lounge services, as well as discounts on various restaurants and hotels, afternoon tea services, etc. Credit card purchases can also accumulate points, which can then be redeemed for gifts, airline miles, etc.

Of course, customers must remember to repay on time after swiping their cards to avoid overdue behavior. Otherwise, the credit card may be frozen and cannot be used again.

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How to use credit card

The usual usage scenarios of credit card are POS machine swiping card, RFID machine taking card and Online payment.

1. Swipe cards at POS machines.

Swiping cards at POS machines is the most common way to use credit cards, and it is a way of swiping cards online. When swiping a card, the operator should first check the credit card's validity period and cardholder's last name and other information.

Then, select the corresponding POS machine according to the card issuing bank and the currency type to be paid, and slide the magnetic stripe of the magnetic stripe credit card on the POS machine, or insert the chip credit card into the card slot to connect to the bank, etc. To make a payment, enter the appropriate amount.

2. RFID machine taps the card.

Tapping the card on the RFID machine is a new type of credit card usage method, and it is also a networking method. When tapping a card, the operator should first check the credit card's validity period and cardholder's last name and other information.

Then, select the corresponding card machine according to the card issuing bank and the currency type to be paid, enter the corresponding amount, and place the credit card flatly no more than 10cm above the sensor.

3. Online payment,

From the perspective of cardholders, online payment is considered to be the riskiest among several credit card payment methods, because malicious people People may use phishing, eavesdropping on network information, fake payments, etc. to steal user information.

When paying online, you need to enter the credit card validity period, the Visa CVV2 code/MasterCard CVC2/UnionPay CVN2 number next to the signature column on the back of the card, and the online transaction password. Sometimes you need to enter your name and the one randomly generated by the web page. Verification code, etc.

Extended information:

Notes on the use of credit cards:

1. Overdue records due to annual fees,

Generally, card-issuing banks will not Jinpu Card will have an annual fee-free policy. If the annual fee is overdue, the bank will give the cardholder a grace period to complete the annual fee-free card payment requirements;

2. What to do if it is used fraudulently Overdue records generated by the card,

Due to insufficient information confidentiality, others have stolen documents and other information to apply for the card. Through appeal, the bank will generally eliminate the overdue record caused by this situation;

3. Confirm that unpaid debts due to fraudulent transactions are overdue.

Once the fraudulent losses caused by non-person’s credit card consumption and the resulting overdue payment are verified, the bank will issue a certificate to assist the cardholder in eliminating the bad debts. Overdue records.

Baidu Encyclopedia-Credit Card

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 is the end of the introduction on how to use credit cards and how to use credit cards. I wonder if you found the information you need?