How to scan and pay with a credit card? Learn about the two payment methods!
Did you know? In addition to swiping your credit card for consumption, you can also pay by scanning the QR code. However, there are conditions for scanning the QR code to pay with a credit card. If you do not meet the requirements, you cannot use the credit card to pay. Let me introduce to you how to scan and pay with a credit card.
How to scan and pay with a credit card?
Credit card scan code payment is actually relatively simple. One is that you need to bind a credit card to the mobile payment tool used to scan the code. For example, if you use Alipay to scan the code, you must bind it to Alipay in advance. If you have a credit card, scan the QR code on WeChat to bind a credit card to WeChat; the other is whether the payee has opened a universal card collection service, not all merchants will open it.
If the above two conditions are met, you can scan the QR code with your credit card.
There are two ways to pay by scanning the QR code with your credit card.
1. Manual QR code scanning: Here we introduce scanning QR code through Alipay. Take out your mobile phone, open the Alipay mobile APP - scan it, and aim at the QR code you want to scan. After successfully scanning the code, you will jump to the payment page. Enter the payment amount on the payment page, select the payment method as credit card, and enter After the Alipay transaction password, the payment can be successful.
2. Merchant scan code: Open your Alipay APP, click Payment - Pay to the merchant on the main interface, select the payment method as a certain credit card, and then show the merchant the QR code of the credit card payment page. The merchant takes out a code scanner and scans the QR code. The payment can be successful without entering a password.
The above is the relevant introduction to "How to scan and pay with a credit card". I hope it will be helpful to everyone. All in all, credit card scan code payment must meet two conditions, and then you can pay through the two methods introduced above. It should be noted that credit card scan code payment may not be able to pay, maybe because the card limit is not enough, or The card transaction exceeds the limit.
How to scan and pay with a credit card
There are generally two methods. One is that you need to bind a credit card to the mobile payment tool that scans the QR code, such as using Alipay to scan the QR code. To use the code, you must bind your credit card to Alipay in advance. Scan the QR code on WeChat to bind a credit card to WeChat; the other is whether the payee has enabled universal card collection service, not all merchants will enable it.
The payment method is the payment settlement method agreed between the import and export parties in international trade. It can be divided into two categories: (1) Spot settlement method. That is, through international bank exchange, the payment method is to settle claims and debts one by one in cash. According to credit, there are remittance and collection settlements that belong to commercial credit, collectively referred to as "undocumented payment methods"; there are settlement methods such as letters of credit, certificates of purchase, and bank guarantees that belong to bank credit, collectively referred to as "certified payment methods"; if According to the payment time, there are three types: "prepayment", "immediate payment" and "deferred payment"; if divided according to the payment basis, there are "cash on delivery" and "voucher payment", among which "payment against voucher" is used method is used the most. Manual QR code scanning: Here we introduce scanning QR code through Alipay. Take out your mobile phone, open the Alipay mobile APP - scan it, and aim at the QR code you want to scan. After successfully scanning the code, you will jump to the payment page. Enter the payment amount on the payment page, select the payment method as credit card, and enter After the Alipay transaction password, the payment can be successful. Merchant scan code: Open your Alipay APP, click Payment - Pay to the merchant on the main interface, select a certain credit card as the payment method, and then show the QR code of the credit card payment page to the merchant. The merchant takes out the QR code scanner and scans the code on the second page. Scan the QR code and the payment can be successful without entering a password.
There are several ways to complete payment using a credit card. The first one is similar to a direct bank transfer, which transfers the money directly from the credit card to the bank account provided by the other party. This method requires a credit card in China. Bank debit cards have relatively high transfer limits and rates, and are not very efficient and safe. Generally, fewer people use this method. The second method is to complete payment through credit card payment channels. There are many credit card channels in the country. A third-party payment company transfers the money to the account of the third-party payment company, and then the third-party payment company remits the money to the designated account. This method is a relatively mature payment method. Due to the use of credit cards in China, The base of payment is still relatively small, and this method is mainly used in foreign trade; the credit card payment method can also be used in combination with other payment methods, such as electronic accounts, which I won’t go into here.
How to use mobile credit card
How to use mobile credit card:
1. Download and install NetEase Youqian APP (3.2.0) on iPhone13 mobile phone iOS15.0 version version) and log in (you can log in using 163 email, WeChat, and Weibo. After logging in, you can save data and synchronize data on different devices).
2. Click "Add Asset" on the asset homepage and select "Credit Card".
3. Select the credit card that needs to be managed and add it. Currently, this APP supports the synchronization of 21 credit cards, making it easy to manage credit cards. Basically, mainstream bank and credit cards can directly and simultaneously obtain information such as billing date, repayment date, points, limit, arrears and bill details, which is very convenient. (To activate synchronization, you need to log in to online banking in the APP, but they are insured by Pacific Property & Casualty Insurance and are more secure than small company APPs)
4. When you need to obtain the latest credit card statement, When arrears information, just click synchronize on the page.
5. If your credit card supports automatic synchronization, you can see the latest credit card details by opening the APP every day, and there will be a message prompt after automatic synchronization is completed.
6. Each card will have a message reminder one day before the repayment date, so it is less likely to miss the repayment date and become overdue.
Tips for using mobile credit cards:
1. Change the billing date and extend the interest-free period. Many banks' credit cards allow you to change the billing date. If the credit card cannot be used temporarily due to special circumstances, you can modify the billing date before the billing date and push the billing date back, thus extending the billing time. However, it should be noted that the billing date can generally only be modified once or twice a year, so please modify it carefully.
2. Apply for repayment time. Most bank credit cards have a grace period of 1-3 days after the final repayment date (ICBC does not have one). If you still cannot pay by the last repayment date, you can call the bank to explain the situation, and then pay it back in a day or two. The payment will not be overdue, but it must not exceed the final grace period, otherwise it will be considered overdue.
3. Failure to pay the minimum payment. Some people will choose the minimum repayment when they can't pay it off for a while, but people who have used credit cards for a long time generally will not choose the minimum repayment. Because the minimum repayment interest is quite high, there is no interest-free period, and often the minimum repayment will affect the credit card limit increase.
4. Pay off the entire bill with the low amount. That is, you can pay off the bill in full with about one-tenth of the bill amount. The method is to start repaying the bill after it comes out, then withdraw the money, and then pay it back in, and so on, until the final repayment date. Just pay it off. This method is very clever, but you must pay attention to the details when operating. If the details are done well, you can easily repay the loan, and it can also play a role in maintaining the card. If you are not careful, your credit card may be reduced or blocked.
5. The bill will be consumed later. The most basic skill in using credit cards is to make reasonable use of the interest-free period. If you spend your money after the billing date, you can enjoy the maximum interest-free period. Especially when making large purchases, be sure to pay attention to your credit card statement date. If you consume the bill later, you can get more than 50 days of interest-free time.
For consumption before the bill date, you may spend it today and pay it back tomorrow, which loses the meaning of using a credit card.
6. Repay on the last repayment day. Many novices using credit cards are confused about what is the statement date and what is the final repayment date. Always make repayments as soon as the monthly bill comes out, which greatly reduces the interest-free period of your credit card. There is generally a repayment grace period of about 20 days from the credit card statement date to the final payment date. You can effectively take advantage of the interest-free period by paying on the final payment date. There is no benefit in repaying the loan early. It is better to put your cash in a money fund to earn some interest.
7. Set up automatic repayment. In order to effectively utilize the maximum interest-free period and avoid overdue payments, be sure to use automatic repayment. At present, the credit card repayment functions of Alipay and WeChat are very easy to use. You can set up automatic repayment or schedule repayment in advance, so you don’t have to worry about remembering the repayment date. Note that when using automatic repayment, you must pay attention to the "fund pool" and ensure that the monetary fund or debit card used for repayment has enough money, otherwise it will be overdue.
This ends the introduction on how to pay with a credit card via mobile phone and how to use a credit card for mobile payment. I wonder if you have found the information you need?