Nowadays, there are more and more cardholders. If bank cards are only used as a tool for deposits and withdrawals, it would be "unjust" to them. In fact, from ordinary debit cards to credit cards that can "spend first, repay later", each has its own characteristics. If used properly, not only can you enjoy a lot of convenience, but it can also help cardholders save money and achieve personal financial management purposes. Fully enjoy the modern "card-style" life.

Step 1: Look for the UnionPay logo for inter-bank transactions (including domestic and overseas). Bank cards issued by different banks can be deposited, withdrawn or spent uniformly at ATM machines and POS terminals with the UnionPay logo. When customers withdraw money or swipe their cards, they no longer need to look for the card they hold among various bank card logos as before, but only need to look for the logo.

Step 2: Remember 95516 and the customer service number of the card-issuing bank. If a problem arises that cannot be solved while using the card, please call China UnionPay’s customer service hotline 95516 and the card-issuing bank’s customer service hotline in a timely manner to reduce unnecessary losses.

Step 3: Log in to the UnionPay and card-issuing bank websites frequently to obtain the latest promotional information. China UnionPay and card issuing banks have some preferential activities for cardholders from time to time, such as points exchange for rewards, accumulated card consumption exchange for rewards, etc. You can obtain relevant information through the website in a timely manner to bring benefits to your card consumption.

Tip 4: Make full use of debit and credit cards when making purchases by card. Use debit cards and credit cards together to get lucky draws and points by participating in preferential activities such as card swiping purchases.

Step 5: Use the bank’s free channels to inquire about bank card balances.

Tip 6: When using cards overseas, be sure to choose the UnionPay network to save 2% of the currency conversion fee. When outbound tourists spend money abroad and in Hong Kong and Macao, international card organizations charge part of the currency conversion fee, that is, service fee, in the exchange business. At present, when cardholders of the "UnionPay Standard Card" with a card number starting with "62" make purchases abroad, UnionPay only performs currency conversion according to the prescribed exchange rate, saving 2% of the currency conversion fee.

Step 7: Actively redeem UnionPay standard cards prefixed with “62” to enjoy international standard services. Using China UnionPay's international standard BIN number starting with "62", it can not only be used domestically, but can also be used for overseas consumption settlement, allowing cardholders to go abroad in style.

Tip 8: Pay attention to the UnionPay logo of rural credit cooperatives. Cards can also be used across banks in remote areas. Through the China UnionPay exchange network, bank card withdrawals and inquiries can be made at counters of rural credit cooperatives at and below the county level across the country with the UnionPay logo, making full use of the resources of rural credit cooperatives throughout rural towns to provide migrant workers with convenient, fast and high-quality banking Card services.

Tip 9: Use the UnionPay network to make timely inter-bank repayments on credit cards to avoid interest charges. As long as you hold a bank card from a network institution that has enabled inter-bank repayment, you can perform self-service operations at any time at an ATM with the UnionPay network, easily complete inter-bank bank card transfers, and transaction funds can be instantly transferred from one bank card account to another. Bank card account, real-time payment, convenient and fast.

Top 10: Pay attention to the local UnionPay innovative business discount information. Mobile phone and phone payment are both convenient and affordable.

Tips for saving money with bank cards

Tip 1: Use credit cards skillfully to remit money without spending money

Unlike ordinary savings cards, many banks’ credit cards are in different places. Deposits can be exempted from handling fees, such as the international credit cards of ICBC and CCB. If you make good use of this policy, you can achieve the purpose of free remittance.

If you need to transfer funds such as remittances or business transactions, you can remit money through the other party's credit card. You can deposit money in a local bank of the same system with the other party's credit card number, and the funds will arrive immediately.

This "remittance" method is free no matter how many times or how much money you remit. It is most suitable for those who often send money to relatives or have frequent business capital exchanges. However, it should be reminded that many banks' computer systems can only deposit money based on the credit card number when using the credit card deposit function. The bank system cannot see the credit card account name, so be sure to remember the card number. Once it is deposited into someone else's account, , it will be difficult to recover the funds.

Tip 2: Avoid small account charges

Many people are accustomed to saving the money in their bank cards to a certain amount before transferring to time deposit certificates. In fact, most banks now offer this The function of automatic transfer of bank card deposits to regular deposits. As long as you sign an automatic financial management agreement with the bank, the money in the bank card can be automatically transferred to regular deposits when it reaches a certain amount. When you have insufficient balance due to withdrawal or consumption, the bank computer will automatically Withdraw a time deposit with minimal loss.

Not only can this increase the return on bank card funds, but some banks have already charged fees for small accounts, and automatically transferred time deposits are also included in bank cards, thus avoiding the daily average cost of bank cards. If the balance does not meet the requirements, a small management fee will be charged.

Tip 3: Save inter-bank withdrawal fees

Currently, most banks charge a handling fee of two yuan per transaction for inter-bank withdrawals. In order to save this expense, you can try to select the number of outlets and ATMs. More banks can reduce the trouble of inter-bank withdrawals. In addition, some banks stipulate that the first three inter-bank withdrawals per month are free of charge. You can also try to choose this kind of bank card.

Tip 4: It is very convenient to report losses through online banking

Nowadays, all banks charge fees for reporting losses on bank cards and passbooks, but if you use online banking, you can save yourself the trouble of reporting losses. After applying for a bank card, it is best to open online banking, and then link all your current passbooks, time deposit certificates and bank cards to the bank card used to open an online banking account. In this way, in addition to facilitating fund management, whether it is a bank card, current passbook or time deposit certificate If you lose or forget your password, you don’t need to go to the bank to report the loss. You can report the loss directly through online banking, and the handling fee is waived. When you need to transfer out, transfer the relevant account directly through online banking