How to make 6 credit card transactions quickly? Try these methods
As we all know, credit cards will incur annual fees. If it is a non-annual fee card, you can reduce the annual fee by swiping the card. Many banks require 6 swipes. Some friends want to know if there is any way to quickly swipe credit cards so that they can make 6 transactions in one day. Let's take a look today.
How to make 6 credit card transactions quickly?
According to the conventional thinking of many people, they use credit cards to swipe cards at POS machines. However, banks now have stricter risk control. It is best not to swipe more than 3 cards at POS machines every day, and you have to stagger the time slots. , all three transactions cannot be concentrated on one POS machine. The most important thing is not to swipe cards at the same type of merchant, otherwise risk control may occur.
If you use a POS machine to make 6 quick transactions, the risk will be greater. It is best to use other methods, such as online shopping. Many banks’ online payments also count the number of credit card swipes. You can bind your credit card to apps such as JD.com, Taobao, and Meituan, and then conduct transactions.
In addition, online shopping with credit cards is not restricted by region, and the requirements for the number of credit card swipes are not so strict. It is relatively easy to swipe 6 times a day. However, credit card online payment does not necessarily have points. Some banks may have points, and some banks may not. For this, you must first consult the customer service of the card-issuing bank before making a transaction.
One thing to note is that whether you use a POS machine or pay online, after making 6 transactions with a credit card, the payment will usually be credited to the account the next day, and will be included in the credit card payment on the bill day of the next month. If your consumption reaches the standard, your annual fee will not be deducted. If you don’t want to use the card, you can just keep the card and put it aside after swiping the card within the year cycle to meet the standards.
How to count 6 purchases with a postal credit card
The number of credit card swipes is generally calculated by swiping the card on the POS machine, and each swipe is counted once, and so on. However, online shopping payments also accumulate the number of card swipes, and each payment is accumulated once. The Postal Credit Card Gold Card is free of annual fees for 6 purchases, and there is no limit to the minimum consumption each time. And there is only a limit on the number of times, not the amount.
Postal savings cards must use a password to handle POS and ATM services; the number of withdrawals at the ATM should be an integral multiple of 50 yuan, the upper limit for each withdrawal is 1,000 yuan, and the maximum daily limit is 3,000 yuan. The balance on the card should be at least 10 yuan after withdrawal. The postal savings card implements "one card, one discount, one account" according to the current savings account designated by the depositor, that is, the postal savings card and current passbook use one account, and the postal savings card can be used to handle business at POS and ATM automatic teller machines or with the card Deposits and withdrawals at postal savings offices and deposits and withdrawals in other places are all non-discount transactions. After 60 passbook non-discount transactions are completed, starting from the 61st transaction, postal savings services will be suspended. Depositors should return to the location of the account opening bureau to apply for reimbursement. Discount procedures. The service hours for remote deposit and withdrawal business are 9:30-16:30 every day. After the postal savings card is lost, the card should be reported lost to the computerized post office in a timely manner.
To handle a temporary loss report in another place, the depositor should provide the city area code, account, account name, account balance, personal ID card and the password of the debit card. The validity period is 20 days. To formally report the loss, the depositor should go to the account opening bureau. Once you have officially reported the loss, you can apply for a new card. If the debit card is swallowed by an ATM, the depositor must go to the post office where the ATM is located to receive the card with his/her identity document, current passbook, and customer credentials. If you are unsure, please consult any postal savings office in each network. The green card savings card is a multi-functional electronic financial management tool provided by the postal department to customers. In addition to the basic functions of deposits, withdrawals, inquiries, etc., the green card holder can also enjoy salary income, payment of fees and taxes, and related payment and settlement services. . Deposit cards are deposited first and then withdrawn. No overdraft is allowed. No guarantee is required when applying, and access is safe and convenient. With the Green Card Savings Card, you can handle deposits and withdrawals at online savings outlets or ATMs, shop and spend at specially appointed merchants, and can also help you distribute pensions, collect and pay telecommunications bills, utility bills, cable TV bills, and subscribe to newspapers and periodicals on your behalf. , pay for room fees, taxes, etc. The balance in the green card savings card account cannot be less than 10 yuan.
How to use Postal Bank credit card six times to waive the annual fee
Online consumption is included in the six times of annual fee exemption, and one payment is accumulated once.
Swipe your credit card on the merchant's POS machine, and the payment will be accumulated once. These two are the two most common ways to accumulate consumption. Many banks will swipe the card 6 times to waive the annual fee or to waive the annual fee for any amount of consumption.
No matter how much the amount is spent, it will be counted in the number of card swipes. There is no time limit. You can brush 6 times a day, 6 times a month, or 6 times a few months. You only need to reach 6 cumulative times.
Main features of credit card:
1. Credit card is one of the fastest growing financial services today. It is an electronic currency that can replace traditional cash circulation within a certain range. ;
2. Credit cards have 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 credit cards;
3. Credit cards are high-tech products that integrate financial services and computer technology.
4. Credit cards can reduce the use of cash;
5. Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;
6. Credit cards It can simplify the collection procedures and save social labor;
7. Credit cards can promote product sales and meet social needs.
Main types
According to different card issuers, they can be divided into bank cards and non-bank cards
Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.
Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., and are used for purchasing tickets, meals, accommodation, entertainment, etc.
According to the different objects of card issuance, it can be divided into corporate cards and personal cards
Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal organizations.
Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.
According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards
Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.
Gold Card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.
What counts as swiping a credit card 6 times?
What counts as swiping a credit card 6 times? If you swipe a credit card six times at a POS machine in a physical store, or if you pay with a credit card six times for online shopping, it counts as a swipe. Got the credit card six times.
Extended information:
1. Annual fee is waived if you swipe your credit card six times
1. For ordinary credit cards of many banks, you can swipe your credit card six times a year for free. There is an annual fee, and most of them do not limit the amount of consumption, so customers can swipe as much as they want when swiping their cards. Some credit card cash withdrawals are also included in the number of times. In this way, the customer can directly withdraw cash from the credit card six times.
2. Of course, whether it is swiping a credit card or withdrawing cash, customers must remember to repay on time after spending to avoid overdue payments. After the credit card bill comes out, if you can't repay on time, you can choose to repay in installments or minimum repayment.
2. Benefits of credit card points:
1. Exchange gifts: Users can go to the official website of the user's bank credit card to search for points options, and the user can also see the options for redeeming points. How many points are needed for some products and redemptions! Naturally, the products of each bank are likely to be different. In addition to entities, there will also be some product coupons;
2. Points can be redeemed for part of the consumer account, or you can Go to large shopping malls to redeem gifts. All in all, this part of the exchange is provided by the merchant, and is actually determined by the merchant. Points can be redeemed as cash. This is also a new method in recent years. In bank cooperative stores, there will be exchanges. Points can be used as cash for shopping, such as in some department stores. However, in general, it may depend on the type of bank credit card. Some bank credit cards can be exchanged for a lot, and some can be exchanged for less;
3. Exchange for miles: Some bank credit cards can directly exchange points for miles. Number, but generally want users to be VIP customers of domestic airlines. The miles redeemed by points can be used when the user goes out or travels.
3. How long does it take for credit card points to clear?
How long it takes for points to clear is different for each bank. The specific details are as follows:
1. Bank of China, Communications The validity period of points for banks, China CITIC Bank, and Shanghai Pudong Development Bank is 2 years, and will be cleared automatically after 2 years;
2. The validity period for personal credit points of China Everbright Bank is 5 years, and will be cleared automatically after expiration. ;
3. The points of ICBC, China Merchants Bank, China Construction Bank, Agricultural Bank of China, Hua Xia, Minsheng and Citibank will not be reset. You only need to save the account points and they will not be cleared;
4. The points of Postal Service, East Asia, Ping An, Guangfa and Industrial Bank are based on the validity period of bank credit cards. Points will not be cleared within the validity period (usually one year or 5 years).
That’s it for the introduction of how to use credit cards.