Guide to using credit cards

Credit cards are an important tool in modern financial life. They provide a convenient means of payment and credit services. Before first use, you need to activate your credit card, which can be done through the counter, online banking or telephone self-service. Remember to choose a safe password to avoid using personal information.

In terms of consumption, credit cards can be used to swipe cards in physical stores, and can also be used in international transactions to enjoy various preferential activities provided by banks. But remember, credit cards are not savings accounts and do not accrue interest, so be sure to pay them back on time to avoid overdue fees. On the monthly bill date, be sure to check your consumption details and prepare the repayment amount in advance.

For the security of your credit card, be sure to set the inquiry and consumption passwords, and sign after confirming that the transaction amount is correct. Pay attention to the card usage environment and protect personal information, especially the CVV2 security code. Avoid handing over your credit card to others to prevent information leakage.

There are various repayment methods, you can choose bank counter, ATM, online banking, mobile APP repayment, or even complete it through transfer or third-party payment platform. Each method may involve different handling fees and arrival times. You should choose the most appropriate method based on your personal circumstances.

In general, credit cards find a balance between convenience and security. The key lies in reasonable use and timely repayment. Understanding these basic operations and precautions will allow you to better master the use of credit cards and enjoy the convenience it brings.