Card God's practical cheats-teach you to play with credit cards (debit cards) from scratch (card recognition articles)

Chapter 1 Appearance and functions of credit cards (debit cards) At present, many banks only pay attention to issuing cards, but ignore the education of using cards, and even hardly publicize the knowledge of credit cards (debit cards). Understanding credit cards (debit cards) is the only way to become a "card god". Understand the whole picture of credit card (debit card) If you want to make yourself a "card god", users should calm down and understand the relevant knowledge of credit card (debit card), and find out what credit card (debit card) is and how banks can make money from cardholders.

Many people have credit cards (debit cards). Credit cards (debit cards) are not savings cards. In addition to credit cards (debit cards), there are a lot of important information on the card surface, which is necessary for many card-free payments, so it is very important for cardholders. But how much do you know about the information on the credit card (debit card)?

credit cards (debit cards) are mostly made of special materials, with different shapes, exquisite manufacture and easy to carry. It is non-monetary in itself, but it can be widely used in payment, consumer credit, settlement and other fields through computer network system, so credit card (debit card) is also known as "electronic money".

on the front of the credit card (debit card), the name and logo of the issuer, the organization logo (international organization logo) of the credit card (debit card), the English or pinyin name, the opening date (one share is counted to the month) and the effective date (generally counted to the month) are displayed; The card magnetic stripe is displayed on the back. Cardholder's signature column (signature is required after activation), domestic and overseas service hotlines, last 4 digits or all (to prevent fraudulent use), and credit card (debit card) security code (on the signature column on the back of credit card (debit card), followed by 3 digits after the last 4 digits). For TV, telephone network transactions, etc.).

1 Most people will have a credit card (debit card) in their wallets that says "I'm happy this month, no matter I cry next month". Each card will have a string of 16 digits. This string of numbers is unique. Banks "only recognize numbers but don't recognize faces". Of course, this string of numbers will not be randomly shaken to cardholders. They have their own rules.

Credit cards (debit cards) have their own 16-digit numbers (15 digits for American Express and 14 digits for Diners), which are authentication barcodes for collection or payment.

Credit card (debit card) BIN At present, the international standard for credit cards (debit cards) is 16 digits, and the first 6 digits are the BINs of credit cards (debit cards), which are allocated by international card organizations. Credit card (debit card) BIN refers to the identification code of the issuing bank, the full name of which is BankdinifiationNumber in English, and its abbreviation is BIN, which is used to indicate the issuing bank or institution. (1)9 prefix BIN number. According to the ISO/IEC7812 document of the International Organization for Standardization, the 9-prefix BIN number is assigned by a domestic standard organization and is not suitable for global use. (2)6-prefix BIN number. At the end of October, 22, China UnionPay applied for 8 international and domestic 6-prefix BIN numbers on behalf of various card issuers. UnionPay standard card is a bank card issued in accordance with the business and technical standards of China UnionPay, with a unique "UnionPay" logo on the card surface, and the issuer's identification code (BIN) is allocated and confirmed by China UnionPay. At present, the BIN of UnionPay standard cards issued by China UnionPay member institutions is "62", and the assigned BIN norm is: 622126-622925.

Experts remind:

Some member institutions use bank cards that have been independently applied to the International Organization for Standardization (ISO) and have a unique "UnionPay" logo on the card surface. After testing, they meet the business and technical standards of China UnionPay, and after signing an agreement with China UnionPay, they are also included in the UnionPay standard card management

(3)3 prefix BIN number. 3 At the beginning, Japan JCB and AmericanExpress.JCB (all Japanese are JapanCreditBureau, Chinese is Japanese Gizmeika, or Japanese Finance Card) are credit card (debit card) organizations established in 1961 by Japan's Sanhe Bank, Japan's Credit Bank, Mitsui Bank, Concord Bank and Daiwa Bank. American Express

is the largest Universal Picture in the world for tourism services, comprehensive finance, financial investment and information processing. It is the only service company among the 3 companies in the Dow Jones Industrial Index that reflect the American economy, with a leading position in credit cards, traveler's checks, travel, financial planning and international banking.

(4)4-prefix BIN number, with the first 4 in BIN being VISA card, which is also translated as VISA and VISA, is a credit card (debit card) brand, which is operated and managed by Visa International Organization located in San Francisco, California, USA. VISA is a global payment technology company, connecting consumers, enterprises, financial institutions and governments in more than 2 countries and regions around the world, and promoting people to use digital currency more conveniently instead of cash or checks.

Experts remind

VISA to provide cardholders with more payment options, including debit cards for instant payment, prepaid cards for early payment or credit cards (debit cards) for later payment. In addition, VISA can also provide customized solutions in different markets to meet the special requirements of enterprises and government agencies of all sizes.

(5)5-prefix BIN number. 5 The beginning is the international brand MasterCard, which is an internationally accepted credit card (debit card) system founded by mastercard international in the late 195s and early 196s. Mastercard international is a non-profit association that includes financial institutions all over the world. Its members include commercial banks, savings and loan associations and credit cooperatives.

Experts remind

At present, there are six major credit card (debit card) brands in the world, namely VisAInternationaL and MasterCardlnternational. AmericaExpress, ChinaunionPay, DinersClub and JCB Japan International Credit Card Company.

2. Regional information

The 7th-15th places of credit cards (debit cards) are allocated by banks according to their own needs according to their regional ownership. Here, taking the VISA card of China Construction Bank as an example, the meaning is introduced.

(1) The 7th-9th digits: 1-34 are the regional credit card (debit card) issuing interval numbers specified by the Head Office, and those beyond this interval are off-site cards.

(2) 1th place: -8 means personal card, and 9 means company card.

(3) 11th-13th digits: the card issuing sequence number.

(4) the 14th digit: is the main card, 1-9 is the auxiliary card,

(5) the 15th digit: the number of credit cards (debit cards) used,

3. The check number

The credit card (debit card) number often needs to be input, scanned, transmitted and retrieved, and these processes are all wrong.

for ordinary 16-digit digital credit card (debit card), the first 15 digits are determined by the issuing bank. The last digit is calculated by some algorithm through the first 15 digits. This algorithm was invented by HansPeterluhn, an engineer from IBM, in 1954. At that time, it was applied for a patent, and now it has been made public, entering the public knowledge field and becoming a standard of the international standards organization: ISO/IEC7811-1.

Experts remind

Obviously, all errors can't be detected by just one number (the probability of hitting is 1 in 1), but the Luhn algorithm is very intelligent, and it can detect any one-bit error (inputting a wrong number). Beaga, swap the 9 and 6 of the above one, and it will be detected. These are the mistakes that people often make when inputting people, so the proofreading code still plays a significant role

Therefore, it is best for cardholders to write down their commonly used credit cards and keep them with them for emergency use. If you know, the process of reporting the loss is much simpler. For example, through the first-level menu of the telephone service hotline, I can directly enter the bank that reports the loss, and I can report the loss by myself without listening to long music and waiting for manual customer service.

2 bank logo

In p>1959, Bank of America issued the first bank credit card (debit card). In 1965, American commercial banks that developed credit cards (debit cards) began to expand their national business. In 1966, they authorized their trademarks to other banks and issued a BankAmericard with blue, white and gold patterns. At this point, the bank logo of credit cards (debit cards) was born.

Experts remind

The bank logo of China Bank was officially used by the head office of China Bank in 1986. On the whole, the Logo of China Bank represents the bank in the shape of ancient money, and the word "China" represents China. The outer circle indicates that China Bank is an international bank facing the world.

The skill of using credit cards depends on the experience of playing cards (to avoid detours in using cards for five years)

Every card slave wants to turn over and become a card god. He always thinks that after reading several cases of card gods, he can become a card god. Don't be naive. You know, card gods also become card gods step by step from card white. If you don't lay a good foundation, how to be a card god? 11 tips for using cards, remember.

basic articles on using credit card:

1. Billing date VS repayment date

What I want to talk about here is not the noun explanation of billing date and repayment date, but how to use billing date, first billing date, then repayment date. Generally, the difference is 2 or 25 days. If you want to have a long interest-free period, you should swipe your card the day after the billing date, and if you swipe your card the day before the billing date, the interest-free period is the shortest.

2. Credit card information is very important

Don't think that only the password is the most important, and the three key information, the expiration date and the CVV code, affect the security of credit cards, especially the CVV code, which is as important as the password. It is generally recommended to cover the CVV code with correction fluid or stickers.

3. Free of annual fee.

There is no annual fee for the first year of the credit card. If you swipe it six times this year, you will be free of the annual fee for the next year. Even if this card is not used very much, remember to swipe it out. Moreover, frequent swiping can also increase the credit card limit, and the most important thing is to remember to repay on time.

4. Don't worry about a variety of repayment methods

Now you don't need to queue up at the ATM for repayment, which is both time-consuming and tiring. Now, as long as you have third-party software, you can easily repay. The main methods are Alipay repayment, WeChat repayment, Lacarra repayment, UnionPay online repayment, online banking transfer repayment, Tenpay repayment, debit card binding automatic repayment, and so on. There are always many ways that suit you.

5. Do not deposit money into the credit card

Although debit cards and credit cards are both cards, the money deposited into the credit card is called "overpayment", which is easier to deposit than to take out. Generally, credit cards need to pay a handling fee to withdraw the overpayment, so never deposit money into the credit card.

use the card to advance:

6. Don't have time to return it? Try postponing repayment

If you encounter problems or delay repayment due to something, don't worry about getting angry. Just call the bank customer service and apply for an extension of repayment for one to three days. Don't worry, the general bank customer service will help you postpone the repayment.

7. No money to pay back? Just change the billing date

What if I have no money to pay back my credit card? You can apply for changing the billing date, and you should pay attention to calculating the time of the billing date in advance, so that you can enjoy the longest interest-free period and achieve the purpose of alleviating the financial pressure. but, this skill can't be used every month, and you need a skill cd. Some banks can apply for change once every six months, while others can only apply for change once a year, depending on the issuing bank!

8. Credit card installment looks beautiful

Different people have different opinions on installment. It is undeniable that installment interest is high, even if it is interest-free, the installment fee is not cheap. You don't want the bank to make your own dime, so you should use it carefully.

9. Try not to use it for cash withdrawal

As mentioned earlier, you should not deposit money into a credit card. Of course, cash withdrawal should not be done either. Unless you are in urgent need, you are not in favor of cash withdrawal by credit card. The word handling fee and interest is high! Remember, credit cards are used for credit card consumption, not for cash withdrawal!

depth of credit card:

1. should I set a password for my credit card?

Setting or not setting a password involves the protection of a card after it is lost. Many consumers abroad pay attention to the signature, but according to the consumption habits of China people, it is the mainstream to use the combination of signature and password to swipe the card, so it is of little significance to entangle this issue. The key is to see whether the bank provides protection for lost cards. In addition, we should develop good credit card habits on weekdays, protect our credit card information, and report the loss in time once it is found, so as to avoid further losses.

11. Tips also save money

Pay back the monthly SMS consumption reminder. Although it costs a few dollars, it will still be sent out every month when the money is deducted. Banks are reluctant to pay this money. In fact, this money can be saved. Most banks have opened official WeChat accounts. As long as they are bound to credit card accounts, they can be reminded of any consumption as long as there is an internet.

Credit card withdrawal technology. These tricks help you to increase your credit limit.

You want to enjoy the fun of spending, but you are always limited by the credit card limit. Do you feel very constrained? This can be said to be a problem that most cardholders will encounter in the process of using credit cards. I think it's time to share a wave of credit card withdrawal technology, so that everyone will no longer be troubled by the quota problem.

Four credit card withdrawal techniques are mainly summarized for everyone:

1. The frequency of credit card swiping is high. This is the core of credit card withdrawal technology, which becomes an active user of the bank invisibly. Usually, the bank will reward the active users of the bank with a quota;

2. The consumption amount is high. Irregular large-scale consumption, and then normal repayment, this part of the cardholder, the bank is usually defined as high-quality customers, after judging whether the cardholder has a large amount of demand, increase the amount as appropriate;

3. Continuous and stable consumption takes a long time. This is the key to the credit card withdrawal technology. Generally, banks will take the initiative to withdraw the credit card for cardholders who have been over one year and have transactions every month in each bill. If customers take the initiative to apply for permanent withdrawal, the chances of bank approval are also relatively high;

4. There are many withdrawals, and credit card installment is often done. Cardholders who frequently withdraw cash from credit cards have a very high risk coefficient for banks, but at the same time, cardholders who withdraw cash also have the highest contribution to banks; The risk of staging users is relatively low, but the contribution is not low. Therefore, for credit cards that mainly rely on interest and intermediary business as income-generating means, cash withdrawal and installment users are the favorite of banks, and the relative success rate of applying for a credit card quota of 1, will be achieved.