How to use credit card to consume on Taobao
The method of using credit card to consume is as follows:
1. Swipe POS machine to consume: as long as the merchants that support card swiping consumption basically All purchases can be made with a credit card.
2. Bind Alipay for consumption: After binding Alipay, whether it is online or offline payment, as long as the payment method is set to credit card, you can use credit card for consumption.
3. Bind WeChat consumption: After binding WeChat, you only need to choose bank card payment when paying, and then select the credit card to pay, so that you can make consumption.
: What are the four main details that you must pay attention to when making credit card purchases?
1. Don’t let your personal credit report be affected by overdue payments. Try to use the automatic repayment function of your credit card. We know that credit card spending is easy, but when it comes time to repay it, it can become a bit passive. Many friends know their credit card repayment date, but on the day of repayment, even if the bank has sent a warm reminder to repay on time, credit card holders over 60 years old will still forget to repay. Because the pace of life is too fast now, everyone's life is under great pressure. There are many people who are too busy with work and have too many chores in life and forget to repay their credit cards.
2. Don’t use up your credit card consumption limit at once. This phenomenon does exist in real life. Some young friends are short of funds for consumption. No matter how much spending limit they have on their credit cards, they will try their best to use up the limit. Little do you know that this kind of credit card consumption method is not good for you. A credit card only has a limit of 10,000 yuan. If you use it up all at once, it is equivalent to an overdraft of 10,000 yuan. With such regular consumption behavior, the bank will think that you have the bad habit of excessive consumption, which will increase the risk of your funds.
3. Never use POS machines to withdraw cash from credit cards. We know that credit cards can be used to withdraw cash, but a credit card can only withdraw a certain amount of cash. And you have to pay a certain withdrawal fee to the bank. Generally speaking, the rate is 1. For example, if our purchase price is 2,000 yuan, a service fee of 20 yuan will be incurred. And some friends are too smart. In order to save cash withdrawal fees, I applied to open a POS machine myself, and then swiped the POS machine at home to cash out my credit card. You can use the machine to cash out multiple times, but if you cash out too many times, the bank will carry out risk control and may close your credit card consumption and cash withdrawal functions, and then the gain will outweigh the loss.
How to bind credit card payment on Taobao
In the first step, the user opens Alipay and enters the homepage, and clicks "My" in the lower right corner;
The second step is in On the "My" page, find the "Bank Card" option and click on it.
The third step, after entering the "Bank Card" page, click "" on the upper right, enter the bank and verify the information, and the binding will be successful.
After the binding is successful, users can use credit cards to pay when shopping on Taobao, which is very convenient and fast. However, when paying with a credit card, users also need to pay attention to the following points:
1. Not all purchases can be made using credit cards.
When users are shopping, only merchants that have opened credit card payment can use credit cards to pay. If it is not activated, users can only pay with their account or debit card.
2. Payment by credit card will incur handling fees.
Users generally believe that there will be no handling fees when paying with a credit card. In fact, this is wrong.
Generally, when paying with a credit card, the handling fee is borne by the merchant, and the user cannot see the handling fee. However, sometimes the user may bear it himself, so please pay attention to this.
Extended information:
Taobao is the largest online retail and business district in the Asia-Pacific region. It was founded by Alibaba Group in May 2003.
Taobao is China's most popular online shopping and retail platform, with nearly 500 million registered users and more than 60 million regular visitors every day. At the same time, the number of online products per day has exceeded 800 million. An average of 48,000 items are sold every minute.
As of the end of 2011, Taobao's single-day transaction volume reached a peak of 4.38 billion yuan, creating 2.708 million direct and full employment opportunities.
With the expansion of Taobao's scale and the increase in the number of users, Taobao has also transformed from a single C2C online marketplace into a comprehensive e-commerce model including C2C, group buying, distribution, auction and other e-commerce models. Sex retail district.
It has become one of the world's largest e-commerce trading platforms.
Free advantage
When Taobao was successfully launched in July 2003, it quickly opened up the Chinese C2C market with a 3-year "free" license, and in just 3 years , replacing eBay and becoming China’s C2C leader. On October 19, 2005, Alibaba announced that "Taobao will continue to be free for another three years." On October 8, 2008, Taobao announced at a press conference that it would continue to be free.
Credit system
Taobao’s real-name authentication.
Once Taobao discovers that the main content in the user's registration information is false, Taobao can terminate the service agreement with the user at any time.
Use the shared advantages of network information to establish an open and transparent credit evaluation system.
The basic principle of Taobao's credit evaluation system is: after a successful transaction, both parties make a credit evaluation of each other.
Trading platform
In order to solve the payment problems on C2C websites, Taobao created the "Alipay Service" technology platform. It is an identity recognition service jointly launched by Zhejiang Alipay Network Technology Co., Ltd. and the public security department.
The launch of Alipay has solved buyers’ concerns about paying up front and not getting the products they purchased, or getting inferior products that are inconsistent with the seller’s online statement; it also solves sellers’ concerns about paying in advance. The worry of shipping first and not getting paid.
Security system
Taobao also pays attention to the construction of integrity and security, introduces a real-name authentication system, and distinguishes between individual user and merchant user authentication. The information required for the two authentications is different. Similarly, individual user authentication only requires proof of identity, and merchant authentication requires a business license. One person cannot apply for both authentications at the same time.
Online store transfer
Learned from Taobao: The online entrance for "online store transfer" was officially opened on July 24, 2013, which means that in the future, online store operators only need to meet certain requirements If necessary, you can submit a "transfer" application to the platform; after the transfer, the reputation of the online store will remain unchanged, and all business activities will be retained. At the same time, Taobao also imposes certain restrictions on both parties of store transfer. For example, various service agreements signed by the original store will be accepted after the transfer.
How to pay with credit card on Taobao
Use Taobao's corresponding Alipay to bind the credit card, and select credit card payment when making payment.
The specific steps are as follows:
1. Open Alipay and click "My" in the lower right corner, as shown in the picture below.
2. Click "Bank Card", as shown in the figure below.
3. Click "" in the upper right corner, as shown in the figure below.
4. Enter your credit card and click "Next", as shown in the figure below.
5. Enter the reserved mobile phone number and click "Agree to the Agreement and Bind Card", as shown in the figure below.
6. Verify the mobile phone number, fill in the verification code received by the mobile phone, and the card is successfully bound, as shown in the figure below.
7. After the binding is successful, click "Payment Method" to select credit card payment when paying on Taobao, as shown in the figure below.
Can I pay with a credit card when buying things on Taobao?
You can pay by credit card, but you must open online banking.
The payment steps are as follows:
Step 1: The buyer selects the product he wants to buy in the online store (click "Add to Cart" to add the selected product to the shopping cart)
Step 2: Check the details of the products purchased in the shopping cart (click "Checkout" to pay for the purchased products)
Step 3: Select the express delivery type (after selecting the express delivery type, click "Continue" to select Payment method)
Step 4: Select payment mode (select credit card payment)
Step 5: Order confirmation (make final confirmation, then click "Submit Order" to enter payment page for credit card payment)
Step 6: Enter the credit card payment page, where the buyer fills in his credit card information (after filling in the relevant credit card information, click "Pay", and the system will transfer the credit card information, The order amount, order number, are automatically encrypted and sent to the bank for verification)
Step 7: Return the payment result (the running order number formed by the website and the payment result seen by the buyer)
Step 8: The merchant can see the payment status of the order in the payment merchant backend. If the payment is successful, the merchant can ship the goods to the buyer.
Credit card security:
1. Set password
Many bank credit cards now provide password functions, including query passwords and consumption passwords. After setting the password, when we swipe the card for consumption, we need to enter the correct password to complete the transaction. Also pay attention when setting passwords. Do not use birthdays, house numbers, phone numbers, etc.
2. Signature confirmation
When swiping the card, we need to confirm the transaction amount entered by the seller on the POS machine. After the transaction is completed, we need to carefully check the transaction information on the printed order, and sign the document after confirming it is correct. If there is no signed consumption record, we will not be responsible for any losses.
3. Pay attention to the card usage environment
Do not swipe cards at non-standard merchants. After a successful transaction, pay attention to the list printed out, and do not have all of it. If there is a password, you need to block it with your hand before entering the password (because merchants often have cameras above the card payment) to prevent the password from being leaked.
That’s it for the introduction of how to use credit card payment on Taobao.