How to use CITIC Electronic Credit Card?
CITIC Electronic Credit Card can be used as long as there is a limit. After applying for CITIC Electronic Credit Card, you can bind a third-party payment platform, such as WeChat Pay, Alipay, etc., or bind the NFC mobile wallet to swipe the card, and use the credit limit in the credit card for daily consumption. CITIC Electronic Credit Card is an electronic credit card launched by CITIC Bank.
(Alipay Apple 12, ios14, Alipay version 10.2.3) (WeChat Apple 12, ios14, WeChat version 8.0.13)
1. CITIC Electronic Credit Card, no physical card, It can also be regarded as a virtual credit card
The credit card used in e-commerce activities is an electronic credit card, and the electronic credit card is used for direct payment through the Internet. Electronic credit cards are fast and convenient. The buyer can promptly understand the creditworthiness of the cardholder through the card issuer, thus avoiding the occurrence of fraud. Ordinary virtual credit cards can be used for online consumption with the help of mobile payment tools, or offline payment.
2. Electronic credit card is a method of payment
Since the use of electronic credit card requires credit card transmission through the public Internet network, it is technically necessary to ensure the security of the transmission. and reliability. The SET secure electronic transaction protocol is used to ensure the safe transmission of electronic credit cards and passwords. During the credit card payment process, it is also necessary to authenticate the identities of customers, merchants and credit card issuing institutions to prevent the occurrence of repudiation.
An open, electronic money-based electronic payment system specification for online transactions. While retaining the authentication of the customer's credit card, SET adds authentication of the merchant's identity, which is crucial for transactions that require payment of currency. Due to its reasonable design, the SET protocol has been supported by many large companies and consumers and has become an industry standard for global networks.
On the open Internet, ensuring the security of data transmitted between buyers and sellers is an important issue. In order to overcome the shortcomings of the SSL security protocol and meet market requirements for transaction security and cost-effectiveness, VISA, MasterCard, Microsoft, IBM, etc. have jointly formulated secure electronic transaction announcements.
How to use CITIC Electronics Credit Card? Pay attention to these matters
After many card friends apply for CITIC’s new express cash, the bank will open an electronic credit card and you can check the credit limit on the card. Because there is no physical card, many friends are wondering. How can I get the money out of it? Below, we will briefly introduce it.
How to use CITIC Electronics Credit Card?
CITIC Electronic Credit Card, which does not have a physical card, is also a virtual credit card, but it is different from the virtual credit card we use. With ordinary virtual credit cards, we can use mobile payment tools to make purchases online or pay offline, but CITIC Electronic Credit Cards cannot do this.
Because CITIC Electronic Credit Card is actually the carrier of exclusive installment business such as CITIC New Express, but it cannot be used for daily consumption. It can only receive the money we repay CITIC New Express, so there is no way to do it. The money inside was swiped out. If you want to use the credit limit on your card, the only way is to apply for a new cash payment.
However, even if you have a credit limit on your CITIC Electronics credit card, your application for new express cash may not be approved.
Because the bank will re-evaluate the current credit conditions of the cardholder every time Xinkuai Cash borrows money, if the comprehensive score is insufficient, it may be rejected. There are many reasons, such as Xin Kuai Cash or The credit card is overdue, the cardholder's debt ratio exceeds 50%, the total credit limit of the credit card is too high, the repayment ability is insufficient, etc.
For this reason, it is recommended that before you apply for a new cash flow, it is best to check your credit report, understand your credit, liabilities, etc., and then find ways to solve the shortcomings, so It can improve the pass rate of new express. I would like to remind you that after using Xinkuai, it may be blacklisted by the bank, which will affect the credit card limit increase. Everyone should handle it with caution.
How to use CITIC Bank electronic credit card?
As long as a transaction password is set for the CITIC Bank electronic credit card, the card can be used under normal circumstances at merchants that support card swiping. Cash can be withdrawn at ATMs with the transaction password within the available cash withdrawal limit.
Use of credit card:
1. When applying for a credit card, you will generally set a password, but you can also choose not to have a password.
2. When consuming, when the merchant provides a POS machine to swipe the card, if a password is set, you must enter the password and then sign the form printed on the POS machine.
3. Generally, the annual fee can be waived if you swipe the card more than 3 times a year.
4. Pay attention to the settlement date when using it, which is very important for the credit of the cardholder.
5. One of the great benefits of using a credit card is that it is free to swipe the card in other places. If it is a debit card, a 1% handling fee will be charged for swiping the card in other places.
Extended information:
1. Credit card annual fee
1. Platinum Card Premium Card: RMB 2,000 for the main card; RMB 1,000 for the supplementary card.
2. Elite card main card: RMB 480; supplementary card: RMB 240.
3. Titanium card main card: RMB 480; supplementary card: RMB 240.
4. Gold card main card, dual currency card: RMB 300; RMB single currency card: RMB 200.
5. Additional card dual currency card: RMB 150; RMB single currency card: RMB 100.
6. Main card: RMB 100; supplementary card: RMB 50.
If you swipe your card or withdraw cash once within 30 days of card approval, you will be exempted from the annual fee for the first year. If you swipe your card or withdraw cash a total of 5 times within a year, you will be exempted from the annual fee for the next year. No fees will be charged if the credit card is not activated (note: except CITIC Infinity Credit Card, Air China World Credit Card, Platinum Credit Card, Magic Titanium Card, and Annual Fee Package Card).
2. Installment payment
1. Shopping mall installment
Also known as POS installment, it means that the cardholder can make installment payment when he goes to a shopping place. mall” for shopping. When checking out, please show a credit card that supports installment payment at the mall and indicate that you need to pay in installments. Then the cashier will swipe the card on a dedicated POS machine according to the number of issues required by the cardholder (such as 3 issues, 6 issues, 12 issues, etc., a few shopping malls support 24 issues).
2. Mail order installment
It means that the cardholder receives the installment mail order catalog manual sent by the card-issuing bank (or the bank's online installment mall) and chooses from limited products. Then order through the online installment mall, call or fax the mail order installment application form, etc. to the bank for installment mail order. There is generally no handling fee for mail order installments regardless of the number of installments.
3. Bill installment
This is the most convenient installment method. Basically, all card-issuing banks can support this installment method, and the application is simple. Users only need to submit an installment application to the card-issuing bank by phone or other methods after swiping their card for consumption and before monthly bills are sent.
Baidu Encyclopedia - Credit Card
Baidu Encyclopedia - CITIC Bank Credit Card
How to use electronic credit cards
“Electronic credit cards do not have actual credit cards. It is a virtual credit card and cannot be swiped through POS machines like other physical cards. Therefore, if you want to use an electronic credit card for credit card purchases, electronic credit card users must connect to the quick payment function, and then they can make online purchases and payments. . The credit card used in network technology activities is an electronic credit card, which is used for direct payment through the Internet. "Electronic credit cards are currently only available to some customers. To apply for the CITIC Bank CITIC Electronics IC Credit Card, applicants must To meet the conditions, users must hold a valid credit card from CITIC Bank before they can apply. Users in need can apply through the CITIC Bank mobile APP.
1. Credit Card (English: CreditCard) is a non-cash payment method and a credit service provided by the banking industry. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 0.76 mm (the size is defined by the ISO7810 and 7816 series of documents). There are also metal card faces on the market, which are determined by banks or credit card companies according to the user's creditworthiness and financial resources. Issued to cardholders. Cardholders do not need to pay cash when using credit cards and will repay on the bill date. Except for some credit cards combined with debit cards, general credit cards are different from debit cards and ATM cards in that credit cards will not directly deduct funds from the user's account.
2. Point of sale information system (English: point of sale, abbreviated as POS, in Europe also referred to as EPOS, electronics at the point of sale), is an electronic system widely used in retail, catering, hotels and other industries , the main function is to count the sales, inventory and customer purchasing behavior of goods. Entrepreneurs can effectively improve operating efficiency through this system, which can be said to be an indispensable and necessary tool for the modern retail industry. However, due to the continuous expansion of POS applications, many manufacturers have now changed the English "pointofsale" to "pointofservice" (service-based endpoint sales system). Some people also advocate that whenever there is a systematic method or process, every transaction of the day can be recorded, such as: When? By whom? What to sell? To whom? The classification of consumers, etc., can be quickly compiled into the basis for decision-making such as future sales or purchases through a method. This system can also be regarded as a POS system.
This is the end of the introduction on how to use CITIC Electronic Credit Card and how to use CITIC Electronic Credit Card at the most cost-effective price. I wonder if you found the information you need?