What is a credit card? How to use it?

1. 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 is in the form of a card with the issuing bank name, validity period, number, cardholder 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 are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

2. Reasonable use of credit cards:

1. We must make full use of the interest-free period of credit cards.

Credit cards from different banks have different interest-free periods, but they are basically more than 30 days, and some banks can even reach more than 50 days. If we can repay the credit card in full before the due date, this basically means that we enjoy an interest-free period of 30 to 50 days in advance. For those who can use credit cards flexibly, we can completely regard this period of time as our stable cash flow.

2. It is best not to use installment payments and minimum repayments, and do not actively withdraw cash.

Some people cannot repay the credit card in full before the repayment date, so they use installment payments and minimum repayments. These two methods seem to be able to alleviate a person's financial problems, but they have very high annualized comprehensive interest. Generally speaking, the annualized comprehensive interest rate of a credit card can reach about 18, which is already very high. At the same time, active credit card withdrawals will also incur high interest charges.

3. We can participate in credit card points activities.

Each bank's credit card will basically launch corresponding points activities. When we use corresponding consumption behaviors, we can obtain the corresponding points amount. After we accumulate a certain level of points, we can use the points to exchange for items of equal value. I suggest friends to pay more attention to the points activity of their credit cards. This is also a process of gathering less and making more.

How to say credit card in Japanese?

Japanese is クレジットカ_ド Pinyin pronunciation: kuleijitouka (long sound) dou The biggest function of Japanese credit cards is to make payments. Of course, online payments are also possible. When paying, you can also choose to pay the total amount in installments, pay at the end of the year, or pay in installments with an amount you specify each month. Even after you have paid, your payment method can be changed online or by phone. Japanese credit cards can be used not only for shopping, but also for paying utility bills, mobile phone bills, insurance premiums, Internet bills, etc. Credit cards now also have a function that allows you to borrow money. This depends on the credit card limit you apply for. For example, if you want to apply for a credit card that can borrow 100,000 yen, the credit card company will investigate your repayment ability, not who All applications can be successful. But generally, if you apply for a credit card that can borrow 30,000 or 50,000 yen per month, you can get it.

What is a credit card and what is a debit card? Please speak more plainly!

A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. 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 are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

A savings card is a financial transaction card issued by a bank to provide financial services to depositors. It is a type of debit card. There are two types: magnetic stripe and chip. Its main function is to make deposits and withdrawals at networked ATM machines and bank counters, and to make purchases at networked POS.

Extended information:

Credit cards do not encourage depositing cash in advance. Spend first and repay later. You enjoy an interest-free repayment period and can repay in installments (with a minimum repayment amount). Join International credit card organizations such as VISA, MasterCard, and JCB are used globally.

Compared with ordinary bank savings 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, you only need to return the consumed amount on schedule.

The main function of the savings card is savings deposits. Through the electronic payment network established by the bank and the magnetic stripe reading and manual password entry of the card, cardholders can realize card consumption, ATM cash withdrawals, transfers, and various other transactions. For functions such as bill payment, expenses incurred through the card are equal to the reduction in the balance of the savings account.