How to consume online with a credit card
Online consumption with a credit card requires you to bind your credit card to the APP that needs to be consumed, and then select credit card payment when paying. Taking WeChat as an example, in WeChat "My", select "Payment", then click "Bank Card" in "Wallet", click "Add Bank Card" inside, and add the credit card to it. When paying, select the payment method below the QR code and change the payment method to a credit card.
Extended information:
Credit cards refer to various media that record cardholder account information, have bank credit lines and overdraft functions, and provide cardholders with related banking services.
Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card.
Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).
Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The credit card generally refers to the credit card alone
The credit card limit, also known as the available credit card limit, refers to the maximum amount that can be used by the credit card you hold, which includes the credit limit (that is, the maximum amount that can be used by the credit card) overdraft limit) and the amount deposited on the credit card.
The limit of any credit card depends on the effective income and asset security value provided by the individual during the application process. The credit limit of a credit card is positively correlated with the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit obtained.
Therefore, applicants must provide proof of income, provident fund social security, and asset guarantee statements. Asset guarantees include fixed assets such as real estate and cars, as well as current assets such as savings and bonds.
Persistence means that after you have a credit card, you must insist on long-term credit card consumption. It is best to have a credit card consumption limit every month for more than three consecutive months. Do not use it for a period of time and then freeze it for a long time.
Can I pay online with a credit card?
Can I pay online with a credit card? To pay online with a credit card, you need to open a credit card for quick payment. Add Alipay or WeChat to the credit card you want to buy online, then activate quick payment, and you can pay online. In addition to quick payment by credit card, you can also choose "log in to online banking to pay", select the credit card on the online banking side, fill in the relevant information and password as prompted, and then make the payment.
Online shopping is already a part of our lives, and many of us like to use credit cards to make purchases in advance. Can credit cards be used for online payment? Generally speaking, credit cards support online consumption. We can use the following two methods for shopping and consumption:
The first method is to activate quick payment, open Alipay, and then click on the bank on the right side of Alipay For card management, enter the validity period of your credit card and the bank's reserved mobile phone number. You can activate it after the mobile phone verification is passed. After the activation is successful, we can choose the products we need, directly choose credit card payment when paying, and then enter the credit card payment password. The second method is online banking payment: select a credit card on the online banking side, fill in the relevant information and password as prompted, and then you can make the payment.
When using credit cards for online shopping, we must pay attention to card security. It is best to design Taobao and Alipay login passwords with a high degree of confidentiality, set security questions and bind the mobile phone.
How to buy things online with a credit card?
How to use a credit card to buy things online (take Taobao as an example to introduce a simple usage):
1. Enter your Taobao account;
2. Select the product you like and click "Buy Now". The order shows "Credit card installment payment is included in the payment method", which means you can pay with a credit card;
3. Check the order and click "Submit Order";
4. Click on the bank credit card bundled with Alipay;
5. Enter the payment password and click "Confirm Submit".
How to activate online payment function with credit card
Go to the counter to activate online banking (just bring your card and ID card). If you have done online banking before, you need to bring the card you have done online banking with, as well as the credit card and ID card you used to open online banking. You can also log in and activate online by yourself. Take China Merchants Bank as an example to teach you how to activate the online payment function of a credit card:
Log in to the credit card website, click "Online Banking Login" on the right, enter your ID number, query password and additional code to log in to online banking. In "Online Payment"-"Online Payment Function Application", select "Application" for the card that needs to activate the online payment function, and then the online payment function can be activated. Online payment can be made on domestic websites, and it will take effect immediately after activation. There are no additional fees for activating the function, and you can enjoy the interest-free period when swiping your card as mentioned above.