Nowadays, there are more and more cardholders. If bank cards are only used as a tool for deposits and withdrawals, it would be "unjust" to them. In fact, from ordinary debit cards to credit cards that can "spend first, repay later", each has its own characteristics. If used properly, not only can you enjoy a lot of convenience, but it can also help cardholders save money and achieve personal financial management purposes. Fully enjoy the modern "card-style" life.

Step 1: Look for the UnionPay logo for inter-bank transactions (including domestic and overseas). Bank cards issued by different banks can be deposited, withdrawn or spent uniformly at ATM machines and POS terminals with the UnionPay logo. When customers withdraw money or swipe their cards, they no longer need to look for the card they hold among various bank card logos as before, but only need to look for the logo.

Step 2: Remember 95516 and the customer service number of the card-issuing bank. If an unsolvable problem arises during the use of the card, please call China UnionPay’s customer service hotline 95516 and the card-issuing bank’s customer service hotline in a timely manner to reduce unnecessary losses.

Step 3: Log in to the UnionPay and card-issuing bank websites frequently to obtain the latest promotional information. China UnionPay and card issuing banks have some preferential activities for cardholders from time to time, such as redeeming points for rewards, exchanging accumulated rewards for card consumption, etc. You can obtain relevant information through the website in a timely manner to bring benefits to your card consumption.

Tip 4: Make full use of debit and credit cards when making purchases by card. Use debit cards and credit cards together to get lucky draws and points by participating in preferential activities such as card swiping purchases.

Step 5: Use the bank’s free channels to inquire about bank card balances.

Tip 6: When swiping cards overseas, be sure to choose the UnionPay network to save RMB 2 in currency conversion fees. When outbound tourists spend money abroad and in Hong Kong and Macao, international card organizations charge part of the currency conversion fee, that is, service fee, in the exchange business. At present, when cardholders of "UnionPay Standard Cards" with card numbers starting with "62" make purchases abroad, UnionPay only performs currency conversion according to the prescribed exchange rate, which saves 2% of the currency conversion fee.

Step 7: Actively redeem UnionPay standard cards prefixed with “62” to enjoy international standard services. Using China UnionPay's international standard BIN number starting with "62", it can not only be used domestically, but can also be used for overseas consumption settlement, allowing cardholders to go abroad in style.

Tip 8: Pay attention to the UnionPay logo of rural credit cooperatives. Cards can also be used across banks in remote areas. Through the China UnionPay exchange network, bank card withdrawals and inquiries can be made at counters of rural credit cooperatives at and below the county level across the country with the UnionPay logo, making full use of the resources of rural credit cooperatives throughout rural towns to provide migrant workers with convenient, fast and high-quality banking Card services.

Tip 9: Use the UnionPay network to make timely inter-bank repayments on credit cards to avoid interest charges. As long as you hold a bank card from a network institution that has enabled inter-bank repayment, you can perform self-service operations at any ATM machine with the UnionPay network and easily complete inter-bank transfers with bank cards. Transaction funds can be instantly transferred from one bank card account to another. Bank card account, real-time payment, convenient and fast.

Tip 10: Pay attention to the local UnionPay innovative business discount information. Mobile phone and phone payment are both convenient and affordable