① Apple macbookpro, version 11.3, open the browser of Google Chrome 91..4472.114, and log in to official website, the bank center where the credit card belongs to reset it;
② mobile phone login, taking China bank card as an example, download the version 7.1.3 of China Bank App on the iPhone 12 version 4.1 mobile phone, click "Forgot Password" on the mobile phone login page, and select "Forgot Credit Card Password" to reset the information according to the page prompts;
③ Call the credit card service hotline and turn to manual customer service to reset the password.
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1. Advantages of credit card
1. Compared with ordinary bank savings card, the most convenient way to use credit card is to make ordinary consumption without cash in the card. In many cases, it is enough to return the amount of consumption on time.
2. You can overdraw your consumption without deposit, and you can enjoy an interest-free period of 2-56 days, and you can repay the interest on time without any charge (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).
3. It is not only safe and convenient to swipe your card when shopping, but also a bonus gift.
4. Special merchants who hold cards in banks can enjoy discounts.
5. Accumulate personal credit and add credit records to your credit file, which will benefit you for life.
6. Access to the whole country is barrier-free, 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)
7. Spending credit cards, taking existing points from some credit cards, and various discounts and lottery activities throughout the year will make you feel 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.)
8. 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.)
9. 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.
1. The freely chosen form of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.
24-hour service for p>11, 4 telephones or 5-digit short numbers with the prefix of 9, the loss will take effect immediately, and there is no risk of card loss.
12. Validity period: It is known that the validity period of domestic credit cards is generally three or five years.
13. 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.
2. Disadvantages of credit cards
1. The invention of credit cards is like a double-edged sword, which can solve the temporary economic crisis. However, the purpose of issuing credit cards is to make money. Once the interest-free repayment time is exceeded, high interest will be charged, usually five ten thousandths of the interest per day.
2. Blind consumption by swiping the card is not like paying cash, which means you spend money one by one. When you swipe it, you feel nothing. A few figures lead to blind consumption and spend money like water.
3. Over-consumption of notebooks, digital cameras and smart phones should be phased in. While enjoying your favorite items in advance, you should also consider whether you can repay them.
4. The interest rate is high. If you can't handle the credit card, and you can't repay it as scheduled when the final repayment date comes, the bank will charge you high interest. (The minimum repayment of a credit card in the first month shall not be less than 1% of its overdraft amount in the current month)
5. Credit cards that need to pay annual fees basically have annual fees, but basically there is a policy of exempting annual fees. For example, CCB can waive it as long as it swipes it three times a year; But if you don't swipe your card the number of times specified by the bank in a year, you need to charge an annual fee.
6. Stealing a credit card is basically a password-free credit card consumption by default, which makes it easy to be stolen by others when it is lost or stolen, causing unnecessary trouble or loss; But in fact, credit cards can also be used to charge by password-it depends on how you manage your credit card. Of course, many people, because of their lack of experience in this field, have not cancelled their credit cards and have been re-applied for credit card overdraft by some lawless elements, which is not worth it.
7. Long-term malicious arrears affecting personal credit records will naturally affect personal credit records and even be blacklisted by banks. In the future, if you want to borrow money from banks to buy a house or a car, you may be rejected by banks.
8. Cancellation trouble. CCTV once reported that a cardholder had received a bank bill several months after paying off all the debts and canceling his credit card, and what happened afterwards made him miserable. This article entitled "Unclear Credit Card" exposed the disadvantages of current credit cards.
9. Although the credit card has an interest-free period, it is only for credit card consumption. There is no interest-free period for cashing, and a handling fee is charged.