How to use a credit card:

Passwords are usually set. When applying for a credit card, you can choose whether you want a password or not. When spending, merchants must provide POS machines to swipe their cards.

When swiping a card, if a password is set, you need to enter the password, and then sign the list printed on the POS machine. You'd better check whether the amount is correct. Generally, you can avoid the annual fee by swiping your card more than 3 times a year.

Pay attention to the checkout date when using it, which is very important for your credit. Take CCB card as an example. If the settlement date is 10, the consumption before 10 should be returned before 30, and the consumption after 10 should be returned before 30 next month.

Another advantage of using a credit card is that it is free to swipe your card in different places. If it is a debit card, a handling fee of 1% will be charged for card swiping in different places.

Credit card limit, also known as credit card available limit, refers to the maximum amount of credit card you can use, including credit limit (that is, the maximum overdraft limit of credit card) and the amount deposited in credit card.

The amount of any credit card depends on the effective income provided by the individual during the application process and the value of the asset guarantee. The credit limit of a credit card is positively related to the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit. Therefore, the applicant must provide proof of income, provident fund social security and asset guarantee statement. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.

Skills of using credit cards

Repay in full to avoid cyclic interest.

Although banks emphasize the interest-free period when promoting credit cards, most people are not very clear about the rules of interest-free period, thus spending a lot of money. For example, during the Spring Festival, Xiao Zhang bought a new mobile phone and swiped 4,000 yuan with a credit card. At the time of repayment, there was only 3999.7 yuan in the account. After the bank deducted money, Xiao Zhang still owed the bank 0.3 yuan. Maybe this is nothing in real life, but banks don't think so. Consumers have to pay interest if they fail to repay in full, and do not enjoy the interest-free period (daily interest = the interest rate of the remaining unpaid amount of the day). It is recommended that you pay in full when you repay, so as not to cause greater losses.

Temporarily increase the credit limit and avoid credit card off the charts.

In fact, every credit card has a hidden limit. When you swipe your credit card, it is easy to use the over-limit amount, and once you use the over-limit amount, it means paying a high over-limit fee. Many consumers have a bad grasp in the process of shopping, and credit cards are often maxed out. I suggest you apply to the bank in advance to increase the temporary limit, which will not only avoid the explosion of credit cards, but also increase the credit limit.

The minimum repayment amount must be paid in full to avoid late fees.

In daily life, we often encounter invalid situations. At this time, you can choose the minimum repayment limit to repay, which can ensure that your personal credit record will not be affected, and there will not be too many late fees. However, it is important to note that the minimum repayment amount must be paid in full, otherwise you will encounter a high late payment fee.

Is the Agricultural Bank credit card easy to use? What are the advantages and disadvantages?

Every credit card has its own characteristics, both advantages and disadvantages. Cardholders should choose according to their own needs and characteristics. In this issue, I will take stock of the advantages and disadvantages of ABC credit cards for everyone.

Advantages of ABC's credit card:

1, with many business outlets. Of course, compared with the other three major banks, ABC has another advantage: there are many small local outlets. Agricultural Bank of China may have the largest number of outlets among the four major banks. Because it is a "farmer", it is easy to find the Agricultural Bank even in a small place. This is the most prominent point of ABC!

2. The longest interest-free period is 56 days. The longest interest-free repayment period is 56 days, which is ahead of domestic counterparts and more flexible in mastering funds.

3. There is a student credit card specifically for college students. As long as you bring your ID card and student ID card to the business outlet, you can apply for a credit card unconditionally. Compared with ICBC Peony Student Credit Card, the credit limit is higher, with a minimum of 3,000 yuan.

4. ABC has many preferential activities. Enjoy a 6% monthly refueling subsidy, three free rescues around the world, and 4S store maintenance discounts; The credit card of Agricultural Bank of China often offers half-price movie viewing discount. 5. Universal at home and abroad. It can be directly consumed by more than 20 million merchants with VISA, MasterCard logo and China UnionPay logo at home and abroad, and can withdraw cash from more than 840,000 ATMs around the world, enjoying convenient and fast services at any time.

6. One card and two coins can be paid freely. The setting of RMB and USD dual accounts is specially designed for your global settlement needs, making the journey more relaxed and free.

7. ABC's most beautiful mother credit card gives more care to the baby and herself. You can get Spongebob Coral Velvet by brushing the 88th Head of State, and you can enjoy a full discount when shopping in Dangdang, JD.COM, and you can get a Disney English course of 5,000 yuan when you spend the full amount in the whole year! Also enjoy the integral area of beautiful mother!

Disadvantages of ABC's credit card:

1. As the four major banks, credit card approval is relatively strict, which is not as good as China Merchants Bank, CITIC and Guangfa. And there are many users of Kameng. Com said that the efficiency of ABC's credit card is not that high. (But it depends on the specific business outlets. )

2. The quota increase is relatively slow.

3. Although the Agricultural Bank of China has many concessions, banks such as China Merchants Bank, Guangfa Bank, CITIC Bank and China Construction Bank also have many concessions.

How to handle ABC credit card How to handle ABC credit card

1, ABC's credit card processing methods include the counter in the business hall and official website.

2. When handling at the counter of the business hall, the applicant needs to prepare the ID card, financial proof and other materials, and take the initiative to explain the requirements for handling the card at the nearby Agricultural Bank outlets. Banks will have specialized salesmen. When handling in official website, the applicant clicks on the home page to enter the credit card center, selects the card type, and then fills in the application information according to the page prompts. After submitting the application, the applicant waits for approval, and the card can be released after approval.

How to apply for ABC credit card?

To apply for a credit card of Agricultural Bank of China, you only need to meet the following conditions and apply for a credit card at the bank counter:

First, the conditions that the applicant meets.

1. It has a fixed residence at the location of the issuing bank.

2. Have a stable income and full capacity for civil conduct.

3. You can apply for supplementary cards for other people with full capacity for civil conduct.

Second, materials can be provided.

1, identity information

Original and photocopy of my valid identity certificate.

I. Proof of income

1. The salary record of the first three months issued by the bank at the time of processing.

2. Income certificate issued by the unit.

3, provident fund, pension insurance, medical insurance, unemployment insurance payment certificate.

Second, the work certificate information

1, work permit

2. Labor service contract

3. Pass, etc.

Three. Assets certification materials

1. Property certificates of self-owned houses and commercial houses.

2. Motor vehicle driver's license

3. Proof of financial assets, etc.

Extended data:

Credit card overdraft limit of Agricultural Bank:

1. The maximum overdraft limit of credit card personal Capka of Agricultural Bank of China is 50,000 yuan.

2. The overdraft limit of China Agricultural Bank's credit card gold card is RMB 200,000.

3. The minimum overdraft limit of Platinum Card is RMB 654.38+10,000 Yuan, and the maximum overdraft limit is RMB 1 10,000 Yuan.

4. For corporate cards, the maximum overdraft limit of comprehensive credit granted by customers is 3%, which shall not exceed 3 million yuan. If there is no comprehensive credit line, the maximum overdraft limit is RMB 6,543,800+0,000.

function

1, combination of lending and borrowing, instant credit granting.

Huinong Credit Card has a powerful lending function. You can open current and multiple fixed sub-accounts, deposit your own funds and earn deposit interest. Moreover, after receiving the card, there is no need to go through other procedures, and you can directly overdraw the letter within the credit line approved by our bank, flexibly arrange your own production and operation funds and manage family property.

2. Revolving overdraft and quick turnover

Within the credit line approved by our bank, you can borrow and repay at any time according to your own funds, and the interest is calculated according to the actual days of use. After repayment, the credit line is immediately restored and can be used again, realizing rapid capital turnover, saving capital use cost and maximizing asset appreciation.

3, full cash withdrawal, easy to use

Not only can you overdraw consumption, but you can also withdraw overdraft and transfer overdraft. Among them, the ratio of cash withdrawal overdraft and transfer overdraft can be up to 100% of the credit line, which can meet your capital needs for different purposes to the greatest extent.

4. High credit and flexible guarantee.

You can obtain the credit of Huinong Credit Card through credit guarantee, guarantee guarantee, pledge guarantee and mortgage guarantee. Combined with your credit status and guarantee method, the maximum credit line can reach 300,000 yuan.

5, the combination of life and work, easy to manage

Under Huinong Credit Card, you can open RMB demand account and multiple RMB time sub-accounts at the same time, and you can easily manage your demand deposit and time deposit with only one card without other cards or certificates of deposit.