1. the cardholder inserts the card into the ATM of any bank, inputs the password, inputs the full amount of late payment fee there, and automatically deducts the money.
2. If you don't have a credit card bill and don't know the exact amount, you'd better pay it back more than once.
3. for the withdrawal of credit card, the bank starts to calculate from the day of withdrawal.
a credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to a consumer with qualified credit. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.
The credit card stipulated in the relevant laws of our country (Interpretation of the NPC Standing Committee on the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or some functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal. On December 1, 217, the Standard for English Translation and Writing in Public Service Field was officially implemented, stipulating that the English name of the Credit Card standard is Credit Card.
credit card consumption is a non-cash transaction payment method, and it is not necessary to pay cash when spending, and the repayment will be made on the Billing Date.
Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder 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 as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.
from January 1, 221, the credit card overdraft interest rate will be determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate will be cancelled (the original upper limit is .7 times of the daily interest rate, and the lower limit is .7 times of the daily interest rate).
Compared with ordinary bank savings cards, the most convenient way to use a credit card is to make ordinary consumption without cash in the card. In many cases, it is only necessary to return the amount of consumption on time.
you can overdraw your consumption without deposit, and you can enjoy an interest-free period of 2-56 days. You can repay the money on time without any interest (most banks will charge .5% interest on the day of cash withdrawal, and there is a 2% handling fee, while ICBC will charge no handling fee and only interest).
swiping your card while shopping is not only safe and convenient, but also a bonus gift.
special merchants who hold cards in banks can enjoy discounts.
accumulate personal credit, and add a credit record to your credit file, which will benefit you for life.
it is barrier-free to pass through the whole country, and you can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo; (Remarks: Credit cards are only suitable for spending credit cards, and it is best not to withdraw cash, which is very expensive and uneconomical)
Credit card spending, some credit cards taking existing points, and various discounts and lottery activities throughout the year will make you feel pleasantly surprised at all times as long as you use the card; (Most credit cards have no points for online payment, but online shopping payment is very convenient and fast)
Mail the statement free of charge every month, so that you can grasp every consumption expenditure transparently; (environmental protection is advocated now, and the paper statement can be changed into an electronic statement.)
The unique supplementary card function is suitable for the husband and wife to manage their finances together or to master their children's financial expenses.
The freely chosen form of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.
4 telephones or 5-digit short numbers with the prefix of 9 provide 24-hour service, and the report of loss takes effect immediately, with zero risk of card loss.
possession validity period: it is known that the validity period of domestic credit cards is generally three or five years.
use the third-party platform (the domestic platform supporting credit card bill management is mainly Jujindou) to conduct business cooperation and provide preferential services for cardholders.