Credit card is a credit certificate issued by a commercial bank or credit card company to eligible consumers.
The form of credit card is a card with the name of the issuing bank, expiration date, number, cardholder's name and other contents printed on the front. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.
The role of credit cards:
1. It is convenient for people's life and saves the trouble of carrying cash. And there are no geographical restrictions on using credit cards. Whenever you swipe your card anywhere in China, you can swipe it as long as you have the UnionPay logo, and there is no handling fee.
2. Be able to participate in various discount activities in cooperation between merchants and banks;
3. The points earned by credit card spending can be exchanged for gifts;
4. Timely repayment after swiping the card will enhance the credibility of personal banks.
Credit card repayment methods are:
1, ATM repayment. Cardholders can go to the ATM of the bank to make a card deposit, and depositing money in the credit card means paying back the money.
2. Mobile banking repayment. All major banks have mobile banking software, which can be installed on mobile phones to repay credit cards.
3. AliPay repayment. Alipay has a credit card repayment function. Click "Credit Card Repayment" on the homepage, and you can repay after binding the credit card.
4. wechat repayment. There is a credit card repayment function on WeChat. Click "Me"-"Pay" to see the "Credit Card Repayment" function.
5. Repay at the bank counter. Cardholders can go to bank outlets with credit cards, ID cards and cash, and handle credit card repayment business at the counter.