Whether the Lanzhou Bank credit card can be swiped on the statement day
Select the appropriate time for swiping the card
The longest interest-free period for domestic credit cards can be 50 to 56 days. It is best to make the best use of the interest-free period when making large-amount card payments. In this case, it will not occupy too much of your own cash, maintain your own cash flow, and can even be used for short-term investment and financial management to obtain profits.
Generally, you pay by swiping your credit card on the same day as your credit card bill, and it is credited to your account the next day. If you swipe this way, you can enjoy the longest interest-free period of your credit card.
2. Modify the bill date
Everyone is familiar with the rule of modifying the bill date. The trick you need to master is to modify it one day before the bill date, and change the new bill date to The day before the billing date.
The rules for changing the credit card statement date of each bank are as follows:
ICBC, Bank of China, China Construction Bank, and HuaXia: You can change it after you log in and the interval between changes is one year;
China Merchants Bank, Industrial Bank, CITIC, and Ping An: Changes can be made once the card is removed, and the interval between changes is half a year;
Bank of Communications: Changes can be made after the card is removed, and the change can be made once within the validity period;
Everbright : Changes can be made after debiting the card, and the interval between each change is 2 months;
Minsheng: It takes one month to change after debiting the card, and the interval between changes is one year;
Pudong Development Bank : It can be changed after the first month's bill is issued and there are no installments or abnormalities in the account, with one year interval between each time;
ABC and Guangfa: cannot be changed.
3. If the limit is not enough, you can apply for a temporary limit
If the limit is not enough, most bank credit cards can be used beyond the limit, but there is a 5 over-limit handling fee. The central bank issued the "Notice on Matters Related to Credit Card Business", requiring banks to cancel over-limit fees and other charging items. When charging items are cancelled, the corresponding services are also closed. Many banks do not allow cardholders to swipe their cards beyond the limit. Now that the quota is insufficient, it is best to apply for a temporary quota.
When using a temporary credit limit, please note that the temporary credit limit is non-revolving and needs to be paid off once it expires, otherwise it will be recorded as overdue.
4. Choose the right card
Choose a card with discounts according to the type of consumption, which can help you really save money. Everyone who is a wooly person knows this. Since it is a large amount of consumption, you must gather as much wool as you can.
5. You can apply to increase the fixed limit after a single large-amount purchase
Generally, after a single large-amount purchase (and it is a real purchase), you can apply to the bank for an increase in the fixed limit, and you will be successful. The probability is relatively high. You might as well take advantage of this opportunity and try to apply for a quota increase.
6. Installment discounts are also required
If you estimate that this large amount of consumption cannot be paid off in one go, you need to apply for bill installments. In this case, when choosing which credit card bank to use, you can first check which bank has installment discounts. For example, Mr. Pomegranate has just received a promotional message from Guangfa, and he can enjoy a 30% discount on the handling fee for this month's bill installment. This kind of staged wool should be collected in a timely manner.
Finally, you must repay the loan on time. The higher the credit card bill, the more dangerous it is to repay according to the minimum payment amount, because currently, except for Industrial and Commercial Bank of China, most banks charge full penalty interest.
We have also written about the full penalty interest before. To put it simply, once you cannot repay in full, your repaid part and the unpaid part will no longer enjoy the interest-free period, and Interest is calculated from the date of entry to the final repayment date, with a daily interest rate of 0.05%. The higher your bill, the more interest will accrue.
In short, there are many pitfalls when swiping a large amount of credit card, so please be careful.
Which supermarket near Lanzhou Railway Station accepts credit card payments?
As long as it is a supermarket instead of a canteen, it seems that the better canteens have credit card machines
In Which bank's credit card is best in Lanzhou?
The original poster is coming to Lanzhou from other places. I went to Lanzhou Bank to apply for a credit card. Basically, I can use it in Lanzhou.
Where can I use credit card in Lanzhou?
These places in Lanzhou Some use credit cards.
1. Yinsheng Yipay POS credit card is located about 30 meters southwest of New World, Qiyunnan Road, Yuzhong County.
2. CITIC Bank Credit Card Center is on the 18th floor of Financial International Building, No. 555, Donggang West Road, Chengguan District.
3. China Minsheng Bank Co., Ltd. Credit Card Center (Lanzhou Branch) is located in Room 901, 9th Floor, Unit 1, No. 503, Nanbinhe East Road, Guangwumen Street, Chengguan District.
Is it okay to pay for Lanzhou Ramen with a credit card?
Yes. The premise is that there is a POS machine in the Lanzhou Ramen shop.
Whether a hotel can swipe a credit card for consumption depends on whether the hotel has a POS card swiping machine. If the hotel has a POS card swiping machine, the cardholder can use a credit card for swiping the card. However, if the hotel does not have one, With POS card swiping machines, cardholders can only pay according to the payment methods recognized by the hotel, and cannot use credit cards to make purchases.
Can I withdraw cash with a credit card in Lanzhou? Is there such a credit card service?
If you use our bank's credit card to borrow cash in advance, please log in to the credit card online banking or call the 400820555 service hotline to activate the cash withdrawal function and set a transaction password. The total amount of cash withdrawals generally does not exceed 50% of your credit limit. For specific amounts, please log in to online banking or call the credit card service hotline 4008205555 to inquire.
After successfully activating the function, you can withdraw cash through the local UnionPay ATM machine in Lanzhou. Credit card withdrawals (cash advance) can be made through the ATM machine. The handling fee for domestic withdrawals is 1% of the cash advance amount. The minimum charge is 10 yuan per transaction. Cash advance transactions do not enjoy the interest-free repayment treatment. Interest will be charged at a daily interest rate of 0.5% from the transaction date to the repayment date, and compound interest will be charged on a monthly basis.
If you have any other questions about China Merchants Bank’s credit card, you can add the credit card QQ corporate customer service (4008205555) or WeChat (China Merchants Bank Credit Card Center) for consultation. Thank you for your attention and support to China Merchants Bank!
This is the end of the introduction about using credit cards in Lanzhou and applying for credit cards in Lanzhou. Did you find the information you need?