Current location - Trademark Inquiry Complete Network - Overdue credit card - Is it good for your credit card to swipe your card at night?
Is it good for your credit card to swipe your card at night?

Will it have any impact if I keep my credit card after 11pm and use it tomorrow?

Will it have any impact? Try not to swipe your card after 11 pm, because according to common sense, most stores are closed. If a user swipes a merchant's credit card when most merchants are closed, the bank will suspect that the user is cashing out, which will increase the credit card risk. , the credit limit may be reduced, or the credit card may even be frozen by the bank.

Don’t use your credit card after what time in the evening

Don’t use it after ten o’clock in the evening.

After ten o'clock in the evening, most merchants have closed, so it is not common sense to swipe credit cards. Therefore, do not use your credit card after 10pm.

The time period for credit card swiping: Do not swipe your card before 9 o'clock, most merchants are not open yet, do not swipe your card after 10 o'clock, most merchants have closed.

The time of swiping your card is very important. Paying attention to the time of swiping your card will be helpful to increase your credit card limit.

Extended information

Notes on credit card swiping

1. Do not use an excessive amount, such as 10000, 5000, 999, 9998 or other integers.

2. Use less low-rate or even zero-rate machines, and make appropriate installments and minimum repayments.

3. Avoid maxing out your credit card in one go.

4. Do not swipe your card more than 3 times in a day.

5. Do not use credit cards to cash out.

6. There are many types of card swiping, including food, clothing, housing, transportation, daily department stores, etc. (select multiple merchants with points).

7. Don’t be overdue and repay on time.

8. You can also increase the limit for occasional overseas consumption.

9. You can apply for a temporary quota during holidays or special circumstances.

After what time can credit cards be swiped?

1. Strictly speaking, there is no limit on credit card swiping time, but except for some 24-hour convenience stores, it is best after 10 p.m. Just don’t swipe your card. Most businesses close after 10 p.m. If there is a consumption expenditure at this time, it will be easily detected as a suspicious transaction by the system.

2. If users often swipe their cards for transactions after 10 p.m., they may be subject to bank risk control, resulting in being unable to make transactions within a short period of time.

For more information about the time after which credit cards cannot be swiped, go to: View more content

Is there any impact if you swipe your credit card in the middle of the night? Pay attention to these matters

There are many things to pay attention to when swiping a credit card. In particular, the time for swiping the card should be within the normal business hours of the merchant. However, many cardholders still swipe the card in the middle of the night. So will there be any consequences for swiping the card like this? What about the impact? Let’s find out together below.

Is there any impact if you swipe your credit card in the middle of the night?

We all know that the normal business hours of merchants are usually from 8 am to 9 pm, so it is best to use POS machines to swipe cards during this time. However, this does not mean that you cannot swipe cards in the middle of the night. It mainly depends on the card merchant.

For example, in KTVs and bars, such places will be open in the middle of the night, so swiping your credit card in the middle of the night will not have any impact; and if the merchant you swipe in the middle of the night is a restaurant, clothing store, jewelry store, etc., then It is easy to be risk controlled by banks. After all, according to normal thinking, these merchants close at 9 p.m., but if you swipe your card in the middle of the night, especially for large purchases, it can easily be regarded as cashing out.

The impact of cashing out on credit cards is relatively large. After all, this is an illegal act. Once discovered by the bank, the credit card will be subject to risk control by the bank. For example, it will be reduced, blocked, and frozen. The cardholder will be listed as a high-risk customer by the bank. In serious cases, it will be considered as a malicious overdraft and will be arrested and punished. Therefore, it is best not to swipe credit cards in the middle of the night.

The above is the relevant introduction of "Is there any impact if I swipe my credit card in the middle of the night?", I hope it will be helpful to everyone. In addition, when using credit cards, you should try to avoid these behaviors, such as not using the same POS machine, not using integer amounts, not using low-rate machines, not always using large amounts, etc. Otherwise, it will be easy to be cheated. Bank risk control.

What will happen if you swipe your credit card after 10 o'clock?

Generally, you cannot swipe your card after 9 o'clock at the latest every day. Therefore, try to swipe your card at the POS machine during normal working hours. That is from 9 am to 6 pm. If you really need it, try not to swipe your card after 9 pm.

Precautions when using bank cards

1. Failed to swipe the same card After many times, do not use this card for consumption on the same day; 2. Do not swipe the same card multiple times on the same machine, as this can easily be regarded as a cash-out phenomenon by the bank, especially do not swipe 999 or 10001, which is an integer. A very close amount.

3. A single transaction should not exceed 50,000 yuan, and a single transaction should not exceed 200,000 yuan in a single day.

4. The transaction receipt must be kept well , to facilitate subsequent verification of bills.

5. Before signing the bill, check whether the amount is correct. If there is a transaction error, you should check with the other party immediately;

Suggestions:

1. When you use a POS machine to swipe a card, you must make sure that the credit card is not far away from your sight, and remember to cover it intentionally when entering the password;

2. After the card swiping is completed, the card should be taken back immediately. Keep the documents properly to facilitate verification with the statement in the future.

3. When swiping a credit card for shopping, you must know the usable balance of your credit card to avoid embarrassing situations such as insufficient balance when swiping the card.

4. It is necessary to clearly know that there are no points when using the Shanghai Pudong Development Bank credit card at wholesale, automobile, real estate, etc. merchants.

Reference: The correct way to use credit cards for consumption - Baidu Encyclopedia

That’s it for the introduction of whether there is any impact if you swipe your credit card at night.