Online merchant bank credit cards do not require handling fees, which is different from Alipay. Alipay also pays credit cards, and there is no handling fee within 2000 yuan. A handling fee of 0. 1% will be charged for the part exceeding 2000 yuan. At the same time, according to the feedback from users, it is faster for online merchant banks to repay credit cards, but in order to avoid delay, it is best to deposit money into credit cards before the repayment date 1-2 days. (Operating environment: Xiaomi11MIUI 12.6.5 Alipay Apple12, ios 14, Alipay version 10.2.3) Credit cards are also called debit cards, which are commercial banks or credit cards. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

main feature

1. Cash deposit in advance is not allowed. You can enjoy an interest-free repayment period and can repay in installments (minimum repayment amount). Join VISA, Master Card, JCB and other international credit card organizations, which are universal.

2. It is one of the fastest developing financial services, and it can replace the traditional cash circulation in a certain range.

3. It has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers.

It is a high-tech product integrating financial business and computer technology.

5. It can reduce the use of cash currency.

6, can provide settlement services, convenient shopping and consumption, enhance the sense of security.

7. It can simplify the collection procedure and save social labor.

superiority

1. Compared with ordinary bank savings cards, the most convenient way to use credit cards is for ordinary consumption, and there is no cash in the cards. In many cases, it is only necessary to return the consumption amount on time.

2. You can spend money without overdraft, enjoy an interest-free period of 20-56 days, and pay back on time without any charge (most banks will charge 0.5% interest on the day of cash withdrawal, and there will be a 2% handling fee, but ICBC will only charge interest).

3. It is not only safe and convenient to swipe your card when shopping, but also a bonus gift.