How to use the credit card and how to pay back the money after swiping it.

Credit card is a bank overdraft service that many people are using now, and it also brings great convenience to users. Therefore, more and more people begin to apply for their own credit cards, but some users don't know how to use them after applying for them. Let's introduce the use of credit cards.

After handling the credit card, you must activate your own credit card first, and then make online credit card payment after activation. You can also bind a third party to make online payment only, and then repay it on schedule later.

Credit card activation: generally, credit card activation can be done directly by phone or at the bank counter. After receiving the credit card, the general user has a specific activation method in the envelope file mailed by the credit card. Just follow the prompts to activate his credit card and set his own transaction password.

Don't throw away the documents mailed with the credit card immediately after activation. Users can also clearly see their bills and repayment dates on it.

Card swiping: activated credit cards can be swiped. Users want to spend offline, as long as the store has a pos machine, they can swipe their credit cards.

In addition, users can also bind their own credit cards in payment channels such as Alipay and WeChat, and then directly use credit cards to pay online.

Credit card repayment: Credit card repayment will be involved after credit card consumption. When credit card repays, users need to find out two dates, namely repayment date and billing date.

Your consumption will generate a repayment bill on the bill date, and then the consumption after the bill will be generated in the next bill.

After the current bill is generated, the user only needs to repay the bill amount on his own repayment date, and repay it in full within the repayment date without paying any interest. The specific methods of credit card repayment are as follows:

1, automatic repayment:

Users can bind repayment bank cards when handling credit cards. As long as there is sufficient funds in the bank card, no bank will automatically deduct the repayment.

2. Self-service terminal repayment:

Users can directly deposit repayment funds into the credit card at the bank's self-service cash machine for repayment.

3. Mobile banking repayment:

Now banks have their own applications. Users only need to log in to the app and bind their own credit cards, so they can repay directly in the app.

4. Transfer repayment:

Users can make credit card repayment through other bank transfers, as long as the funds are transferred to their own credit cards.

5. Repayment through third-party channels:

Alipay, WeChat, etc. Credit card repayment can be made, and users can make repayment directly on their repayment page according to the steps, but at present Alipay WeChat will charge a certain credit card repayment fee.

How to return the credit card with the pos machine?

Pos machines can't pay back credit cards.

The main task of POS is to provide data services and management functions for commodity and media transactions, and make non-cash settlement. It has the functions of supporting consumption, pre-authorization, balance inquiry and transfer.

Credit card repayment is not within the function scope of pos machine, so POS machine cannot repay credit card.

It is difficult to obtain basic business information for bulk transactions, and the introduction of POS system is mainly to solve the blind spot of retail information management. An important part of chain branch management information system.

Extended data:

Use classification

1. Financial POS machines are mainly used in banking systems such as UnionPay business system, commercial banks and local credit cooperatives.

2. Non-financial POS machines can be widely used in members, chains and franchisees of all sizes and types; Catering and entertainment enterprises, automobile maintenance centers, cosmetics stores, tourist attractions and other fields.

POS machine fee

According to the notice of the National Development and Reform Commission, the bank card processing fee was officially adjusted from June 9, 20 16. According to the adjusted scheme, the overall rate of card swiping is reduced by 53% to 63%.

1. The catering rate decreased from 1.25% to 0.6%.

2. The department store's credit card processing fee was reduced from 0.78% to 0.6%.

3. The supermarket dropped from 0.5% to 0.38%.

4. The public welfare category is still 0%.

5. For real estate and automobiles, refer to the charging standards for catering and entertainment, without capping, and the single rate will be raised.