Can I pay the electricity bill with a credit card?

Credit cards are becoming more and more widely used. Not only can they be used for overdraft consumption in advance, they can also be used to pay various living expenses, such as electricity bills, water bills, etc. Although you can pay electricity bills by swiping a credit card, not all credit cards have this function, and not all cities support paying electricity bills by credit card. Let’s learn how to pay electricity bills by swiping a credit card.

At present, there are two main ways to pay electricity bills, one is to pay at the business hall, and the other is to pay online. The payment methods of different channels are different, as follows:

1. Payment in the business hall

To pay the electricity bill in the business hall, you can generally choose to pay in cash or by credit card. This payment by card includes two types: debit card and credit card.

Generally, you can pay by credit card in business halls equipped with POS machines, including credit card payments. However, if the business hall where you pay your electricity bill does not have POS machines, you can only pay in cash. .

2. Online payment

There are two channels for paying electricity bills online. For example, go to the online business hall where you are to pay. Of course, with the launch of Alipay’s daily payment function , everyone can pay their electricity bills through Alipay.

It is very convenient to pay electricity bills with Alipay. Just open Alipay, find the "Life Payment" function, and select "Electricity Bill" to pay.

Of course, if you have never paid an electricity bill on Alipay, you have to create a new payment account, then enter the amount to be recharged, click Pay Now, select the payment method as your bound credit card, and enter the payment Just confirm the password and make the payment.

Compared with paying in a business hall, online payment is not only convenient and fast, but sometimes you can also enjoy discounts. For example, cardholders who hold a Shanghai Pudong Development Bank credit card can get a 20 yuan discount on electricity bills in Changsha. Isn’t it a good deal? CITIC Bank credit card holders can bind a credit card on Alipay or WeChat, and then You can pay electricity bills online through the city services of Alipay and WeChat. Cardholders can also use their credit cards to swipe their cards directly at the power supply bureau to pay their electricity bills. However, when paying with CITIC Bank credit cards in public institutions, there is generally no point discount, so paying electricity bills with a credit card cannot accumulate credit card points

Paying water and electricity bills with a credit card is counted as consumption or cash withdrawal

This is not considered a cash withdrawal. Don’t worry, if you swipe the card at a POS machine, it will be included in the normal consumption of the bill. If you pay online, it will also be included in the normal consumption. As long as you do not withdraw cash through an ATM, it will not be regarded as a cash withdrawal.

1. Credit card is essentially a simple credit service provided by banks to customers. According to the customer’s credit situation and personal life situation, the customer is provided with a credit limit. Within this limit range, it can be easily provided A consumer loan, and this loan also has an interest-free period. If you repay the loan before maturity, there will be no additional fees. Credit cards have the following functions: ① Credit cards are an electronic currency that can replace traditional cash flow within a certain range; ② Credit cards have both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuing machines by using credit cards; ③Credit cards are high-tech products that integrate financial services and computer technology.

2. Credit card, also called credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit. Credit cards stipulated in my country's relevant laws ("Interpretations of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions that have all the functions of consumer payment, credit loans, transfer settlement, cash deposits and withdrawals, etc. Or an electronic payment card with partial functions.

On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate). Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; a quasi-credit card refers to a credit card in which the cardholder can A quasi-credit card that deposits a certain amount of reserve fund and can be overdrafted within the specified credit limit when the reserve account balance is insufficient for payment. The so-called credit card generally refers to a credit card only.

3. Can I pay utility bills with a credit card? Under normal circumstances, we can complete payment through bank debit cards, but the prerequisite is that online banking needs to be activated. At present, many banks have opened the method of paying utility bills by credit card, and citizens do not need to specifically activate online banking when paying bills. Below, the editor will introduce it to you. First of all, you need a credit card. Users who want to pay can directly log in to Alipay's official website. After the system upgrade, the general public no longer need to open personal online banking when paying. They only need to choose credit card quick payment when making the first payment. According to You are prompted to enter necessary information such as the corresponding credit card and verification code, and you can simply and safely complete the payment of utility bills through your credit card. Currently, many bank credit cards already support this service. Through credit card online banking, the cardholder logs into the credit card online banking personal bank, selects "self-service payment" - "payment function application" - "payment item area" - "payment item", and select "payment" according to the page prompts , "Certificate type", enter the payment account number, "last four digits of the certificate number", "CVV2" (or CVC2.CVN2) and "credit card validity month and year". After application, it can be used to pay, but only if the city where you are located is listed above. Payment items. Not all credit cards have this function, and not all cities can use credit cards to pay utility bills.

Can I pay tuition with a credit card?

You can pay tuition with a credit card.

However, everyone also needs to note that most universities will ask students to open a debit card at a designated bank, and then ask students to directly charge tuition into this debit card, and then remit the money to the school. on the account.

In a situation like this, it is naturally impossible to use a credit card to pay tuition, unless the student has a high credit card limit and can withdraw the limit and transfer it to a debit card for tuition.

Of course, it is not recommended that you do this. Because there will be no interest-free period in the future, interest will be charged every day, and the tuition fee is not low, so students may have greater repayment pressure. If the repayment is overdue, it will damage your personal credit and affect your future credit business.

Extended information:

Credit cards are divided into credit cards and quasi-credit cards. A credit card means that the cardholder has a certain credit limit and can consume within the credit limit. A credit card that is repaid later;

A quasi-credit card refers to a cardholder who deposits a certain amount of reserve as required. When the balance in the reserve account is insufficient for payment, an overdraft can be made within the specified credit limit. Quasi-credit card. The so-called credit card generally refers to a credit card only.

Advantages

Compared with ordinary bank debit cards, the most convenient way to use credit cards is that they can be used for ordinary consumption without cash in the card. In many cases, as long as there is no cash in the card, Just return the amount spent.

You can use overdrafts without deposits, and you can enjoy an interest-free period of 20-56 days for on-time repayment without any interest charges (most banks will charge an interest of 50,000 cents on the day of cash withdrawal, and 2 handling fees, ICBC cash withdrawals are free of handling fees and only charge interest).

Swiping your card when shopping is not only safe and convenient, but also provides gift points.

You can enjoy discounts when you use the card at the bank's designated merchants.

Accumulate personal credit and add a record of integrity to your credit file that will benefit you throughout your life.

It is accessible nationwide and you can withdraw money or make purchases by swiping your card at ATMs and POS machines with the UnionPay logo; (Note: Credit cards are only suitable for consumption and swiping. It is best not to withdraw cash. The handling fee for cash withdrawals is very high and very inconvenient. Cost-effective)

Swipe card purchases, collect existing points with some credit cards, and offer a variety of discounts and lucky draws throughout the year, so you can always be surprised as long as you use the card; (most credit card online payments do not have points, but online shopping payments Very convenient and fast)

Free mailed statements every month, allowing you to transparently control every consumption expenditure; (now promoting green environmental protection, paper statements can be canceled and changed to electronic statements)

The unique supplementary card function is suitable for couples to manage finances at the same time, or to control their children's financial expenditures.

The free choice of one card and dual currencies is available all over the world. Overseas consumption can be repaid in domestic RMB.

400 or the 5-digit short number starting with 9 is available 24 hours a day. Loss reports are effective immediately and there is zero risk of losing the card.

Have validity period: It is known that the validity period of domestic credit cards is generally three or five years.

Use third-party platforms (the domestic platform that supports credit card bill management is mainly Jujindou) for business cooperation to provide cardholders with preferential services.

Disadvantages

The invention of credit cards is like a double-edged sword, which can solve the temporary economic crisis, but the purpose of banks issuing credit cards is to make money. Once the interest-free repayment time is exceeded, , a high amount of interest will be charged, usually 50,000 per day.

Swiping cards for blind consumption is not like spending money one by one like paying with cash. Once you swipe, you don’t feel anything, just a few numbers, which leads to blind consumption and money flowing like water.

Excessive consumption of laptop installments, digital camera installments, and smartphone installments. While enjoying your favorite items in advance, you must also consider whether you are able to repay them.

High Interest Rates If you don’t know how to take care of your credit card and cannot repay the loan as scheduled when the final payment date comes, the bank will charge you high interest rates. (The minimum payment for the first month of a credit card shall not be less than 10% of the overdraft amount of the month)

How do I pay the electricity bill if I have a credit card?

If you are an electricity customer of Guangdong Power Grid Company, you can pay electricity bills with a credit card. Generally, credit cards with the UnionPay logo can be used at POS machines and self-service terminals, but they cannot handle electricity bill withholding services. The details are subject to the functions set by the bank for credit cards. You can pay your electricity bill through WeChat, Alipay, etc.

We hope our answer will be helpful to you.

How to calculate the annual fee for a credit card?

No matter what kind of credit card it is, there is an annual fee, but the annual fee for each bank's credit card is different. Generally speaking, the annual fee for a credit card is calculated based on the entire year. For example, If your credit card is processed in July, your annual fee will be calculated in July each year.

However, in order to attract users to apply for credit cards, some banks now generally stipulate that the annual fee is waived in the first year. At the same time, users who make 3 or 5 purchases with the card in the same year can be exempted from the annual fee in the following year. .

However, the year in the annual fee-free credit card policy is not actually calculated based on natural years. Instead, the user only needs to complete the number of transactions within one year from the date of issuance of the credit card, so cardholders do not have to worry. If the number of transactions is not completed before the end of last year, the annual fee will be deducted. That is, one year has passed since the date the credit card was issued by the system.

Credit card annual fee rules refer to some corresponding regulations for the annual payment of credit cards. Banks are not allowed to charge annual fees before the credit card is activated by the cardholder. However, in the face of the various annual fee rules for credit cards from different banks, most Most people have only a little knowledge. Most annual credit card fees are around one hundred yuan. Some banks stipulate that you can waive the annual fee by swiping three times a year.

Annual fee-free rule

If you apply for a card and don’t use it, you will have to pay the annual fee, which is certainly not cost-effective. The annual fee exemption rules vary among different banks, making it easy for cardholders to incur annual fees unintentionally.

Cardholders generally believe that credit card agencies adopt the practice of waiving the annual fee in the first year and waiving the annual fee in the following year if the card reaches a certain standard, but this is not the case for all cards.

For example, ICBC credit cards do not waive annual fees in the first year. Instead, they need to swipe the card a total of 5 times or spend more than 5,000 yuan to be exempted from the annual fee. China CITIC Bank stipulates that only swiping the card once in the first month after the card is issued can be exempted from the annual fee in the first year. .

As for the rules for exempting the annual fee for the following year, some banks stipulate that as long as the card is swiped more than three times, it will be free, such as China Construction Bank [6.203.85] and China Everbright Bank; some banks stipulate that the number of swipes is more For example, the Shenzhen Development Bank Credit Card stipulates that the annual fee for the following year can be waived by swiping the card 18 times. Most banks adopt the policy of waiving annual fees 5-6 times, such as ICBC, Agricultural Bank of China, Bank of China, Bank of Communications, China Merchants Bank, etc.

Yinsu.com Financial Planner pointed out that since annual fees are not the main source of income for domestic credit card issuers, banks generally stipulate that annual fees must be waived after a certain number of card swipes, but there is no limit on the amount. However, there are some banks that impose restrictions on the amount of consumption. For example, Shanghai Pudong Development Bank stipulates that the annual fee for the next year can be waived only if the consumption reaches 2,000 yuan or more.

It is also worth noting that the bank’s annual fee exemption rules are not static. A staff member of the Credit Card Center of Bank of Communications [8.794.27] told reporters that the annual fee for a credit card is based on the collection time of the first year's annual fee, and is pushed back 12 months to the collection time of the next year's annual fee. Bank of Communications credit card annual fee exemption rules will generally be notified to cardholders by text message at the end of the year or the beginning of the next year. Cardholders need to pay attention to whether the annual fee exemption rules have changed.

●TIPS: Generally speaking, only ordinary credit cards can enjoy the annual fee exemption rule, while the annual fees for gold cards, platinum cards, diamond cards and other cards are usually unavoidable.

Lifetime no-annual-fee credit card

The annual fee stipulations of credit cards are really eye-catching. Isn’t there a free lunch?

In fact, there are not many credit cards that waive annual fees for life. For example, credit cards issued by Postal Savings Bank, whether it is the main card or the supplementary card, do not need to worry about the annual fee.

Shanghai Bank’s credit cards also have free lunches, such as Star Card, Hong Kong Travel Card, Global Pass Card and other cards, all of which are free of annual fees for life. However, Shanghai Bank’s outlets only cover the Shanghai area. It is more difficult to apply in other areas.

There are also credit cards from other banks that waive annual fees for life. Since there are so many types of credit cards, if you want to apply for them, you need to search carefully. For example, China Guangfa Bank’s China Southern Airlines Sky Pearl Credit Card Extra Edition and QQ Car Card, Shanghai Pudong Development Bank’s McDull Credit Card and the 60th Anniversary Credit Card of the Founding of the People’s Republic of China, Agricultural Bank of China’s Golden Harvest Ruyi Card, and Bank of Beijing’s [18.825.67] Daai Credit Card are all available. There is no annual fee for life.

In addition, reporters noticed that since July 2013, various banks have issued a large number of business credit cards to enterprises and institutions, all of which have lifetime annual fee exemptions. Official credit cards are credit cards held by individuals working in budget units. They can be used for daily official expenditures and financial reimbursements, as well as for personal consumption and cash withdrawals, and can enjoy various card-holding preferential treatment.

●TIPS: The lifetime annual fee exemption is not the lifetime of the cardholder, but the "lifetime" of the card, that is, the validity period of the credit card, which is generally three to five years.

Can I pay water bills with Pudong Development Credit Card? How to pay water bills with Pudong Development Credit Card?

Many cardholders think that credit cards can only be used to make purchases or withdraw cash. In fact, credit cards have far more functions than In this regard, it can also be used to pay various expenses in our daily life, such as water bills. So, can Shanghai Pudong Development Bank’s credit card also be used to pay water bills? Let me introduce it to you below.

1. Can I use a Pudong Development Bank credit card to pay water bills?

Many banks have added life payment functions to their credit cards, and Shanghai Pudong Development Bank is no exception. Compared with a debit card, it is very convenient to pay water bills with a credit card. Cardholders do not need to specifically open online banking to pay water bills when paying.

However, I would like to remind everyone that not all credit cards have this function, not all cities can use credit cards to pay utility bills, and not all charging units can use credit cards to pay bills.

That is to say, if you want to use a Pudong Development Bank credit card to pay water bills, first of all, the city you are in must be Shanghai, and secondly, the charging unit you pay must be in the following list.

Specifically include: Shanghai Tap Water North Co., Ltd., Shanghai Tap Water South Co., Ltd., Shanghai Pudong Veolia Tap Water Co., Ltd., Shanghai Tap Water Minhang Co., Ltd., Shanghai Songjiang Water Company, Shanghai Fengxian Water Supply Co., Ltd., Shanghai Pudong Water Supply Company (Chuansha Water), Shanghai Chongming Water Supply Co., Ltd., and Shanghai Ye Xie Water Supply Co., Ltd.

2. How to pay water bills with Pudong Development Bank Credit Card?

There are two ways to pay water bills with Shanghai Pudong Development Bank credit card. One is through the daily payment function of Shanghai Pudong Development Bank, and the other is to pay through Alipay. The details are as follows:

1. Shanghai Pudong Development Bank Life payment: First log in to Shanghai Pudong Development Bank online banking - select "Payment and Payment" - select "Payment" - select "Shanghai" in the city menu - select the payment type as "Water Bill" and the charging unit to make the payment.

2. Alipay: Open mobile Alipay - "Life Payment" - "Water Bill" - Add "Payment Institution" - Add a new payment account - Enter the water point number - Enter the payment amount - Enter your Pudong Development Bank Credit card account number, validity period, security code, and follow the prompts to complete the payment.

This concludes the introduction to credit card payment and credit card payment discounts. Have you found the information you need?