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.

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 you need to use it before using a credit card to make purchases.

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, Alipay, WeChat wallet, mobile banking APP, card-issuing bank WeChat official account and other tools 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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That’s it for the introduction of how to use credit cards.