How can I spend my credit card?
First, I swipe my card in a physical store. Generally, all merchants marked with "UnionPay" and "VISA" support credit card spending.
Second, bind Alipay or WeChat for consumption. When spending in shopping malls or other places, you can use Alipay or WeChat to pay.
third, online consumption.
In most cases, citizens who have full capacity for civil conduct (citizens aged 18 or above in Chinese mainland) and have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, a legal person can also be an applicant
The object of applying for a credit card can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China. Each unit can get a main card and several (5-1) supplementary cards when applying for a credit card.
to apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate. The application form is accompanied by a contract for using a credit card. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, the privacy protection policy of the issuing bank, etc., and must have the applicant's autograph.
after receiving the application form and relevant materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the review mainly include whether the contents of the application form are true or not, evaluating the credit degree of the applicant, and reviewing the relevant information of the guarantor for the individual.
usually, the bank will examine the applicant's various information and economic situation according to the application materials to judge whether to issue a credit card to the applicant. The factors considered are the applicant's past credit history, the applicant's known assets, professional characteristics, etc.
after the applicant successfully applies for a credit card, the issuing bank will open a separate credit card account for the cardholder at the issuing bank for shopping, consumption and settlement after cash withdrawal.
because the credit card application is sent by post after it is approved, there is no guarantee that the recipient is the applicant. In order to protect the applicant and the bank from theft, the credit card has a card opening program before it is officially opened. Card opening is mainly through telephone or internet, etc., to check the relevant personal information provided at the time of application, and complete the card opening procedure after it meets the requirements.
at this time, the applicant becomes the card holder, and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card.
how to use the credit card?
Credit cards can be used in various consumer fields, such as shopping and eating in shopping malls. They can be used wherever they can be swiped, and they can also be tied to third-party payment, such as Alipay and WeChat. Moreover, credit card consumption enjoys an interest-free period, as long as it is repaid in full and on time according to the amount of the bill on the due repayment date, it enjoys an interest-free period.
what is the consumption process of credit cards?
credit card consumption process:
1. swiping the card through the POS machine
swiping the card through the POS machine is the most common way to use the credit card, and it is a way to swipe the card online. When swiping a card, the operator should first check the validity period of the credit card and the cardholder's last name. Then, according to the issuing bank and the type of currency to be paid, the corresponding POS machine is selected, the magnetic stripe of the magnetic stripe credit card is crossed on the POS machine, or the chip credit card is inserted into the card slot, connected with the bank, etc., and the corresponding amount is input. After receiving the information of remote payment, POS will print a receipt (at least two copies) for credit card payment, and the cardholder shall sign the receipt after checking that the information on the payment receipt is correct. After the operator checks the signature on the receipt and the signature on the back of the credit card (including the complete name and the basic handwriting), the credit card and the credit card payment receipt are sent to the cardholder. At this point, the credit card swiping program on the POS machine is completed.
2. RFID card tapping
It is a new type of credit card use mode and a networking mode to tap the card on the RFID machine. When taking a card, the operator should first check the validity period of the credit card and the cardholder's last name. Then, according to the issuing bank and the kind of currency to be paid, select the corresponding card punching machine, input the corresponding amount, and lay the credit card flat no more than 1cm above the sensor. After the RFID machine senses the credit card, it will send out a signal sound, and then continue to operate the program. After the remote payment receives the information, the printer (if connected) will print out a receipt for card payment, but unlike the previous method, the cardholder does not need to sign, which is faster and more convenient than the previous method. At this point, the card tapping induction program on the RFID machine is completed.
3. Manual sheet pressing
Manual sheet pressing is usually used without POS machines or networking. The pressing operation must have a pressure-sensitive duplicate "direct purchase order" (at least two copies) and a telephone. The inspection before pressing the order is the same as that of the POS machine. Then, the operator's credit card is printed on the purchase order with the name raised on the credit card of the bill pressing device, and the information such as the amount and date is written. Then, the operator calls the authorization hotline of the acquiring bank, reports the card information and applies for authorization, and the obtained authorization code is written on the purchase order, and then the cardholder signs it after confirming it is correct. After the operator checks the signature, a copy of the credit card and the purchase order is handed over to the cardholder, and the manual order pressing procedure is completed. Authorized calls are usually dialed immediately. In some areas with poor communication or good credit discipline, merchants will encounter the situation that they will deliver the goods to complete the transaction after signing the card. Authorization will be completed in the future, but merchants are at risk of encountering credit cards (if customers use invalid cards to pay, they will not be able to find them immediately without applying for authorization codes immediately).
4. Online payment
From the cardholder's point of view, online payment is considered to be one of the most risky payment methods of credit cards, because malicious people may use phishing, eavesdropping on network information, fake payment and other means to steal user information. When paying online, you need to enter the validity period of the credit card, the number of Visa CVV2/MasterCard CVC2/ UnionPay CVN2 next to the signature column on the back of the card, the online transaction password, and sometimes you need to enter your name, the verification code randomly generated by the webpage, etc. After the input is completed, click Submit to complete the online payment. With the development of the Internet, the security of online payment and credit card payment has gradually improved, which has also blown up the trend of online consumption.
5. TV and telephone transactions
are similar to online payment, with information such as requirements, expiration date, Visa CVV2 code/MasterCard CVC2/ UnionPay CVN2, etc.
6. Pre-authorization
Pre-authorization is generally used to pay a deposit, that is, a part of the available credit card is frozen as a deposit. The process of pre-authorization is similar to manual bill pressing, but the content of the phone call is to ask for the corresponding amount of pre-authorization, not to ask for payment, nor to press the bill, just to issue a certificate of receipt of the deposit. General pre-authorization will be cancelled by the merchant at the time of checkout. If the merchant forgets to cancel, he can call the merchant to ask for cancellation, but he can't cancel by calling the authorized institution himself. Or, wait for the bank to automatically cancel the pre-authorization (usually ranging from 7 to 3 days).
Application for credit card:
In most cases, citizens with full capacity for civil conduct (citizens over 18 years old in Chinese mainland) and a certain direct financial source can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
customers who apply for credit cards can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China. Each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate. The application form is accompanied by a contract for using a credit card. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, the privacy protection policy of the issuing bank, etc., and must have the applicant's autograph.
how can I swipe my credit card?
1. You can spend money in a physical store, as long as you have a POS machine.
2. You can bind Alipay or WeChat consumption, and you can also shop online.
generally speaking, a credit card can only be considered as consumption if it is used for POS transactions at a designated merchant or online shopping at a designated website. Specifically:
(1) Credit card for medical treatment: If the hospital uses POS, it is generally calculated according to consumption. But if there is an ATM in the hospital, then you can withdraw money at the ATM and pay the fee.
(2) paying the mobile phone fee is considered as transfer, not consumption. It is to transfer the money from your account to China Mobile (or China Unicom or China Telecom), and the transfer is regarded as cash withdrawal.
(3) electricity purchase, as above. Transfer to the power company, the transfer is regarded as cash withdrawal.
(4) Pay the membership fee online. Dual-currency credit cards can be traded online on domestic and overseas websites. If you do business in accordance with the general online shopping methods, that is, online transactions are counted as consumption. But if it is online transfer, it will be regarded as cash withdrawal.
(5) Online shopping is regarded as consumption.
(6) paying the annual internet access fee online, and transferring money is regarded as cash withdrawal. To sum up, in general, shopping with POS is counted as "consumption" and online shopping is counted as "consumption". In the part of consumption, the online consumption, house purchase, car purchase, wholesale, public welfare and other consumer transactions of merchants identified by banks that cannot accumulate points enjoy points.
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How to swipe your credit card correctly?
Credit card is a common consumption tool in our life. For example, you can swipe your credit card when going to the supermarket, buying tickets, eating, etc. However, some people may ask: What is the right way to swipe your credit card, which is conducive to increasing the quota?
here are three ways to comb for everyone:
1. Try diversified consumption methods.
the charge for credit card swiping is an important source of business income for banks. Like the charge for installment business, banks also want cardholders to swipe their cards more, but they can't do it indiscriminately. It is recommended that you keep your credit card at about 1% of the total credit card amount every time. Don't spend it all at once, but spend a small amount at multiple merchants.
2. Don't swipe your card at an inappropriate time.
Some people like to brush the tickets of the cinema in the middle of the night, or brush the POS machine of the breakfast shop at night, which are all taboos. If an abnormal credit card is detected by the bank, it will trigger a system warning, and in serious cases, it will directly reduce the amount.
3. We should do it in stages.
Banks are profitable enterprises. If cardholders have a high quota, but don't swipe their cards for a long time, banks will also reduce the quota. Similarly, if our quota is very low, but we do it in installments every time, the bank will be happy to increase the quota.
in addition, there are some details that need our attention: for example, don't lend your credit card to others, don't use a third-party non-compliant POS machine, and don't transfer money to repay in the name of others.
how can a credit card be swiped without a physical card?
A credit card can be swiped without a card, not only online, but also offline.
1. Online consumption:
Actually, it is online shopping, provided that the store supports credit card payment. Then you can select the goods you want to buy in the store, add them to the shopping cart and make payment. The payment method is credit card, and you can complete the payment by entering the validity period of the credit card, CVV2 code, mobile phone verification code and transaction password.
2. Offline consumption:
It can also be divided into two ways, one is to spend by swiping the POS machine, and the other is to pay by scanning the code.
1) spending by swiping the POS machine: the premise is to bind the credit card to the mobile phone or other mobile payment devices, then call out the credit card, put the mobile phone near the POS machine, and you can complete the payment when you hear a drip.
2) code scanning payment: you can bind the credit card on WeChat and Alipay, then scan the QR code of the store, select the payment method as credit card payment, and enter the password. You can also open the mobile phone Alipay/WeChat, show the payment code of the bound credit card to the merchant, and let the merchant scan the code with a scanning gun for payment. 1) swipe POS machine to spend
Extended information:
Credit card application:
If a customer wants to apply for a credit card, he can directly bring personal ID card and income proof (such as bank account and payroll) and other relevant information to the staff at the counter of the offline business outlets of the selected bank to apply for a card, then get the application form and fill it out, and then hand it over to the staff together with the information, and then just wait patiently for the bank to review. The customer can activate the card after receiving it and use it.
of course, customers can APPly directly at the bank official website, mobile banking client or credit card app besides going to the outlets. However, we need to note that if you apply for a bank's credit card online for the first time, you may have to go to the bank for a face-to-face interview afterwards.
customers should pay attention to keep the phone open after submitting the card application, because some banks may call to ask customers some relevant information during the audit. In this regard, if the call is not received in time, it may have a certain impact on the card approval.
Credit card withdrawal:
When applying for a credit card, the bank will approve the amount according to the applicant's comprehensive qualifications, and the credit card can also be withdrawn during use. The methods are as follows:
1. Spend more by swiping your card
If you want to withdraw your credit card, you should spend more by swiping your card, and swipe your card wherever you can. It is best to keep a stable consumption record for several months before applying for withdrawal, and it is best to swipe about 2 cards every month, and the merchants who swipe your card should also be diversified.
2. Appropriate installment
Appropriate installment is beneficial to credit card withdrawal, but it is best not to make the installment too long, 3 to 6 installments are enough, and the installment amount should not be too large. For example, it is very appropriate to apply for staging after spending on some holidays, and the success rate of raising the amount is also high.
Third, keep a good credit card record
If you want to withdraw the credit card, a good credit card record is essential, because it is impossible to withdraw the credit card if there is a bad record on the credit information, so you must repay the credit card on time to avoid overdue and illegal operations such as cashing.
that's enough for the introduction of how to use credit cards.