1. Credit card consumption in physical stores, such as supermarkets, shopping malls, hotels, restaurants, hospitals, train stations, airports and other places, that is, places with POS machines, you can swipe credit cards for consumption. With the development of the Internet, cashless consumption is now advocated. In these places, you can also use Alipay or WeChat wallet for consumption. This is the next consumption method. Generally, all merchants marked with "UnionPay", "VISA" and other logos support credit card payments.

2. Bind Alipay or WeChat for consumption. Take Alipay as an example. After checking in to Alipay, click Add Bank Card to bind your credit card to Alipay. Similar to WeChat, when making purchases in shopping malls or other places, Use Alipay or WeChat to pay, and then select this bank card to complete the consumption using this credit card.

3. Online Consumption If your credit card has opened online banking, then firstly, when using Taobao, Vipshop, Meituan and other online payment software or some websites such as purchasing airline tickets on the official website of an airline, You can directly choose to pay with a bank card, so you can also use this credit card to make purchases. Or bind Alipay and perform payment operations on the corresponding software. After using your credit card for 6 purchases, the annual fee for that year will be waived. Generally speaking, as long as you maintain normal loan repayments and do not overdue, there will be no other fees except the annual fee.

1. Is there interest for credit card consumption?

After swiping the credit card for consumption, as long as the customer can pay off the bill in full within the specified repayment period, interest will naturally not accrue. Customers can enjoy the interest-free period. Of course, if the bill is not repaid in full, recurring interest will naturally accrue. First, the transaction will be charged at a daily interest rate of 0.5% from the day it is entered into the account, and will be calculated until the repayment date; secondly, the remaining balance will be charged Some will also start charging interest at a daily interest rate of 0.5% after the repayment date until the customer pays off the loan. If the customer does not want to pay interest, they must pay off the bill in full and on time after it comes out. The interest-free period of a credit card is generally around 20 to 50 days, and the longest can be up to 56 days.

2. How to repay a credit card

1. Bind a debit card

If the cardholder has a debit card from the same bank, he or she can Apply for the "automatic repayment" function, and the bank will automatically transfer funds from the debit card account to the credit card account for repayment on the due date every month. Using this debit card-linked automatic repayment method saves time and effort, and greatly reduces the probability of late repayment. However, you must ensure that the debit card has enough funds to repay the credit card that month, which may require the cardholder to deposit money into the card in advance from time to time. If you can bind your own salary card, you can save yourself such trouble. Of course, the premise is that the salary card and credit card are issued by the same bank.

2. Online repayment

People who are accustomed to online operations can also use the online platform to repay their credit cards with just a click of the mouse. Cardholders open the contracted version of online banking and repay their credit card balances by transfer through online banking. In addition, inter-bank repayment can also be achieved through this method. At present, the online banking of various banks has opened inter-bank transfer services. By transferring the money to Bank B's credit card through Bank A's online banking, you can realize inter-bank repayment. In addition, UnionPay online payment and Kuaiqian website support inter-bank repayment. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different. This method requires a handling fee and is generally not available immediately. It should be reminded that there are still certain insecurity factors in online banking.