How to use the Agricultural Bank of China mobile credit card?

First, you can swipe your card for consumption, but you should pay attention to the billing date, repayment date and the time of your consumption: the repayment date of the Agricultural Bank of China credit card is the 25th day after the billing date. For example, the bill date is the 27th of each month. Taking the August bill as an example, the bill date is August 27, and the repayment date is the 25th day after the bill date, that is, September 21, that is to say: August Card purchases made from the 28th to September 27th will be debited on September 27th, and the repayment can be made before October 22nd. Card purchases made from September 28th to October 27th will be debited on October 27th, and you can repay before November 21st. (September is 30 days, October is 31 days) Therefore, if you swipe your card for consumption on the bill day, the interest-free period is the shortest, only 25 days (swipe your card on September 27, and repay on October 22). If you swipe your card for consumption on the bill date, it will be free of charge. The longest interest period is 56 days (swipe the card on September 28 and repay on November 21).

Second, you can borrow cash in advance, that is, withdraw cash. There is no interest-free period for cash withdrawals, and the daily interest rate is 0.5%, and there are also handling fees.

1. There are two main types of credit cards: credit cards and quasi-credit cards. I don't know which one you did. I guess you did the former. Let’s talk about both below. 1. The credit card can be used for transactions in shopping malls and supermarkets just like the debit (savings) card of the Agricultural Bank of China. The maximum repayment period is 56 days. If you swipe your card for consumption on the 10th of each month, your irregular payment period is 56 days. During this period, no interest will accrue, which means you do not need to pay back the money you consume. Interest. The minimum period is 25 days. This is the case if you consume on the 9th of each month. 2 There is no interest on credit card deposits, but there are handling fees for withdrawals. At the same place, the minimum withdrawal is 1 yuan. The withdrawal fee is 1%. 3. The most common way to use a credit card is to make purchases in supermarkets. Of course, if you are temporarily short of money, you can withdraw money from an ATM machine.

2. Things to note are: 1. It is best for you to repay the loan within the repayment period. There are many ways to repay the loan. There are two most common ways. Use online banking online to get your repayment. This is the repayment method I use to transfer money from a savings card to a credit card. The second repayment method is to repay at the bank. 2. When using a credit card to make purchases, it is best to use a signature method, that is, use a password to make purchases. Another type is a quasi-credit card. It earns interest on deposits. There is no free repayment period for the overdraft part, and interest will be paid. This is obviously different from a credit card.

How to use mobile credit card?

You can bind your credit card to your mobile Alipay or WeChat personal account for use, but the credit card must have the online payment function enabled.

The correct way to use and repay credit cards

1. Know the most basic things before using a credit card

A credit card is just another loan from a bank. In simple terms It means that the bank lends us money first, and can give us an interest-free period of one month to fifty days, so that we can solve our current crisis and buy what we want in advance; when using the card, we must know that we originally need it Then use the credit card to spend.

2. Don’t cash out randomly

Banks do not allow cash out. Follow this point to make the bank feel that the money is safe with us and make money at the same time. Follow this If you do it for the purpose, there will be no problem.

3. Timely repayment is a must.

Having credit card credit is the first priority. If you don’t have credit card credit, it’s best not to use it, because credit is related to your future business dealings with the bank. issues, especially in businesses such as loans.

Nowadays, it is very convenient to repay a credit card. You can transfer it directly with Alipay or other cards that are free of handling fees and can be credited instantly. As long as you have a smartphone, you don’t need to go out to repay your credit card. Done.

How to apply for a mobile credit card (debit card)? How to use?

Different banks have different application conditions for mobile credit cards (credit cards). Take China Construction Bank as an example:

Construction Bank’s mobile credit cards (credit cards) require The user has a debit card account with online banking at China Construction Bank.

1. Users can call the China Construction Bank customer service hotline to apply for a mobile credit card (debit card).

2. Users can download the China Construction Bank APP or follow the official official account of China Construction Bank to apply.

3. You can log in to the official website of China Construction Bank to process the application.

Mobile credit cards (credit cards) are electronic virtual cards. When used, the card number can be bound to third-party transaction software such as WeChat or Alipay to run online transactions. Taking the Bank of Communications mobile credit card (credit card) as an example, the specific usage process is as follows:

1. Download and log in to the "Pay Now" APP and click "Credit Card (Credit Card)".

2. Find card management and click "Mobile Credit Card (Credit Card)".

3. You can see the software that supports binding credit cards (credit cards) to run consumption, and the card number.

4. Enter the card number into "Add Bank Card" in WeChat or Alipay and run the third-party transaction software to bind it.

5. Choose credit card (debit card) for payment when purchasing.

How to activate credit card in Bank of China mobile banking?

Operation path to activate credit card: Mobile Banking - Credit Card - Credit Card Activation Mobile Banking - Home Page "More" - Credit Card Activation Online Banking - Credit Card - Credit Card Application/Activation - Credit Card Activation Log in to online banking, go to Credit Card - Credit Card Application/activation—Credit card activation page, the page returns a list of credit cards to be activated in your name, including digital credit cards and physical cards; you can also log in to mobile banking and select the credit card that needs to be activated through the "Home Page - Credit Card - Card Activation" function. The page prompts you to enter the corresponding information to complete activation. 1. If you choose a physical card for activation, you need to enter CVV2 (the last three digits on the back of the card) on the page; if you choose a digital credit card, you need to fill in the middle 8 according to the text message sent to you when applying for a digital credit card; 2. Select your authentication tool at the bottom of the page and click Next. The page displays the credit card information that needs to be activated (). After being authenticated by the security authentication tool (BOC eLing mobile transaction code), click Confirm. The page shows that the credit card activation submission was successful. 3. During the activation process, if you have not set a query password, you will be prompted to set it before you enter CVV2 (physical card) or after completing it (digital credit card). At the same time, after the activation is completed, you can also choose whether to set a transaction password. 4. If you only hold the mobile transaction code, you cannot complete the online activation. Please go to the counter or call the credit card customer service 4006695566.

The above content is for your reference, please refer to actual business regulations.

That’s it for the introduction of how to use mobile credit cards.