how to use the credit card?

the method of using credit card for spending is as follows:

1. spending by swiping POS machines: as long as businesses support spending by swiping credit cards, they can basically spend by swiping credit cards.

2. bind AliPay consumption: after binding AliPay, whether online payment or offline payment, as long as the payment method is set to credit card, you can use credit card for consumption.

3. bind wechat consumption: after binding wechat, you only need to choose a bank card to pay when you pay, and then choose a credit card to pay, so you can make consumption.

: What are the four main details that credit card consumption must pay attention to?

1. Don't affect personal credit information due to overdue, try to use the automatic repayment function of credit card. We know that credit card spending is easy, but it may become a bit passive when it comes to repayment. Many friends know their credit card repayment date, but on the repayment date, even though the bank has sent a warm reminder to repay on time, more than 6% credit card holders will still forget to repay. Because the pace of life is too fast now, everyone's life is under great pressure. There are a few credit cards that are too busy at work and too many trivial things in life and forget to pay back.

2. Don't use up your credit card spending limit at one time. This phenomenon does exist in real life. Some young friends, who are short of money, try their best to use up their credit cards no matter how much they have. I don't know how to use this credit card is not good for myself. A credit card has a limit of only 1, yuan. If you use it up at once, it is equivalent to an overdraft of 1, yuan. With such regular consumption behavior, banks will think that you have a bad habit of excessive consumption, and the greater the risk of funds.

3. Never use POS machine to withdraw cash from credit card. We know that credit cards can be used to withdraw cash, but a credit card can only withdraw a certain amount of cash. And you have to pay a certain withdrawal fee to the bank. Generally speaking, the rate is 1%. For example, if we spend 2 yuan, there will be a service charge for 2 yuan. And some friends are too smart. In order to save the cost of withdrawal procedures, I applied to open a POS machine, and then I swiped the POS machine at home to cash out my credit card. You can cash out many times by using the machine, but if you cash out more times, the bank will carry out risk control, which may turn off your credit card consumption and cash withdrawal functions, and it will not be worth the candle at that time.

how to use a credit card?

after applying for a credit card, users must remember to activate the credit card first. Generally, just dial the phone number provided on the credit card to set the transaction password. Some banks may need users to go to the counter to activate it.

if it's a previous credit card, users can only choose to enter the credit card transaction password on the pos machine of the merchant that supports credit cards when shopping offline. If the user has enabled the confidentiality-free function of the small payment of the credit card, they don't need to enter the password when swiping the card.

Extended information:

Precautions:

Keep the credit card within sight when shopping, in case the salesperson changes the bag or swipes the credit card more. When a credit card is lost, it must be reported in time to prevent the credit card from being maliciously swiped by others.

Many people have the habit of putting their credit cards in their wallets, and wallets are often put together with magnetic items such as mobile phones and computers, which can easily lead to the magnetization and impermanence of credit cards.

the use of credit cards can't be separated from the network, and the network can easily reveal personal information. Therefore, when we use credit cards for online settlement, we must first ensure that the trading platform is secure and the network used is secure (many WiFi connection apps have related detection functions).