Wechat bank card binding process: Start Wechat (version 8.0. 16), click three points in the upper right corner to enter the menu page; On the "My Bank Card" page, you can simply see several current WeChat payment methods. Click "My Bank Card" to enter the add page, or click three points in the upper right corner to select "Add Bank Card" to pop up the menu. Enter the bank card number, and then click Next; Then it will automatically identify the bank card as a bank, enter the bank card data on the data page below, and then click Next; Wechat will send a verification message to the mobile phone number reserved by the bank card, fill the verification code sent in the received message into the verification code input box, and click Next; Enter the payment password twice in a row. Please note that it is a 6-digit pure number. After being consistent twice, click the Finish button to bind successfully.
First, advantages
1. You can enjoy an interest-free period of 25-56 days without deposit overdraft. You can repay the loan on time without paying any interest.
2. When shopping, swiping the card is not only safe, hygienic and convenient, but also points and gifts.
3. Cardholders can enjoy preferential treatment in special merchants of banks.
4. Accumulate personal credit, add a credit record to your credit file, and benefit for life.
5. National accessibility. You can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo.
Second, shortcomings.
1, blind consumption of credit cards is not like paying cash. You spend money one by one. I don't feel anything after brushing. A few figures lead to blind consumption and spending money like water. However, what to buy and what not to buy can be treated irrationally?
2. Excessive consumption of laptops, digital cameras and smart phones. While enjoying their favorite items in advance, I also have to consider whether my salary is just a drop in the bucket when I repay next month.
3. High interest rate If you can't take good care of your credit card and can't repay it on time when the final repayment date comes, the bank will charge a certain interest fee to avoid greater risks. You have only yourself to blame.
4. Credit cards that need annual fees basically have annual fees, but they basically have an annual fee-free policy. For example, CCB can avoid brushing it three times a year; On the contrary, since 2006, the savings card has charged a small fund management fee of ten or twenty yuan a year. If you apply for a credit card and can't swipe it three or five times a year or don't know it, the bank will charge you an annual fee.
5. Long-term malicious default affects personal credit records, which will naturally affect personal credit records and even be blacklisted by banks. It will be difficult to buy a house and a car from the bank in the future.