"Mr. ***: Hello! Your current account has passed the deadline, please pay it as soon as possible. The bill amount: RMB**** yuan. xx Card Center."

"Warm reminder: The current bill for your credit card ending with **** has passed the final repayment period on July 1. To avoid affecting your credit record, please pay it as soon as possible. If you have repaid it, please Thank you!

Introduction to credit cards

Credit cards are divided into credit cards and quasi-credit cards. Credit cards are issued by banks and give cardholders a certain credit limit. A credit card in which the cardholder can consume within the credit limit and then repay; a quasi-credit card is issued by a bank, and the cardholder is required to deposit a certain amount of reserve fund. When the reserve account balance is insufficient for payment, the cardholder can A quasi-credit card with an overdraft within a specified credit limit. The credit card generally refers to a credit card.

Advantages of credit cards

Compared with ordinary bank savings cards. , the most convenient way to use it is to make ordinary purchases without cash in the card. In many cases, you only need to pay back the amount of consumption on time.

1. You can make overdraft purchases without depositing. , and can enjoy an interest-free period of 20-56 days and will not charge any interest for on-time repayment (most banks will charge an interest of 50,000 cents on the day of cash withdrawal, as well as a handling fee of 20,000 yuan, and ICBC will charge no handling fee for cash withdrawal, only

2. Swiping your card when shopping is not only safe and convenient, but also gives you points as gifts;

3. You can enjoy discounts when you use your card to spend at the bank's special merchants;

4. Accumulate personal credit and add integrity records to your credit file, which will benefit you throughout your life;

5. Accessible nationwide, at ATMs and POS with the UnionPay logo You can withdraw money or make purchases on the plane; (Note: Credit cards are only suitable for consumption, it is best not to withdraw cash, the cash withdrawal fee is very high, which is not cost-effective)

6. Use credit cards to make purchases, and some credit cards can collect existing points. A variety of discounts and lucky draws throughout the year, so you can always be surprised 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)

7. Free monthly mailing Statements allow you to transparently control every consumption expenditure; (now promoting green environmental protection, paper statements can be canceled and changed to electronic statements)

8. Unique supplementary card function, suitable for couples*** Manage finances at the same time, or control your children’s financial expenses;

9. The free-choice one-card dual-currency format is popular all over the world, and overseas consumption can be repaid in domestic RMB;

10. 400 The 24-hour service is available by phone or a 5-digit short number starting with 9. Loss reports are effective immediately, and there is zero risk of losing the card;

11. Has a validity period: It is known that domestic credit cards are generally valid for three or five years.

12. Use third-party platforms (the domestic platform that supports credit card bill management is mainly Jujindou) to conduct business cooperation and provide preferential services to cardholders.

Organized by: wjl201604