1. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
2. The way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used for international circulation. It has two functions: payment and credit. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers.
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Credit cards can be issued in banks, micro-silver POS mobile phones, and transfer du/ remittance payments can be made.
1, within the issuing bank
The types of bai of this party include: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
2. Micro-silver POS mobile phone
Weizhong Bank POS mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer of credit cards. Arrive immediately!
3. Transfer/remittance repayment
Mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
How to use a credit card
Credit cards are usually used for POS card swiping, RFID card swiping and online payment.
1, POS swipes the card,
Swiping a card on a POS machine is the most common way to use a credit card, and it is also a way to swipe a card online. When swiping a card, the operator should first check the validity period of the credit card and the cardholder's surname.
Then, according to the issuing bank and the currency to be paid, select the corresponding POS machine, draw the magnetic stripe of the magnetic stripe credit card on the POS machine, or insert the chip credit card into the card slot, connect with the bank, and input the corresponding amount.
2.RFID machine takes the card,
It is a new credit card usage mode and networking mode, which is sensed by swiping the card on the RFID machine. When picking up the card, the operator must first check the validity period of the credit card and the cardholder's last name.
Then, according to the issuing bank and the kind of currency to be paid, select the corresponding punching machine, input the corresponding amount, and lay the credit card flat on the sensor for no more than 10cm.
3. online payment,
From the cardholder's point of view, online payment is considered to be one of the most risky payment methods for credit cards, because malicious people may use phishing, eavesdropping on network information, fake payment and other means to steal user information.
When paying online, you need to enter the validity period of the credit card, the number of Visa CVV2/MasterCard CVC2/ UnionPay CVN2 next to the signature column on the back of the card, the online transaction password, and sometimes you need to enter your name, the verification code randomly generated by the webpage, etc.
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Precautions for credit card use:
1. Overdue records due to annual fees,
Generally, card issuers will have a policy of free annual fee for Jinpu cards. If the annual fee is overdue, the bank will give the cardholder a grace period to complete the annual fee-free credit card request;
2. Overdue records generated by fraudulent card use,
Due to the lack of information confidentiality, others steal documents and other information to do cards. Through appeal, banks will generally eliminate the overdue caused by this situation;
3. Confirm that the outstanding debts caused by theft are overdue.
Once the loss and overdue of stolen credit cards caused by non-personal credit card consumption are verified, the bank will issue a certificate to help cardholders eliminate bad overdue records.