For many people, credit cards have become an indispensable part of their consumer life. However, in addition to some common credit card operations, there are also some unpopular knowledge that you need to know. Now, follow me and take a look~

1. There is a "dotted line" around UnionPay

If your credit card happens to be a UnionPay card, you should be able to see it on the card. There is a circle of dotted lines near the UnionPay logo. This dotted line is generally composed of letters and numbers, covering information such as the bank's pinyin abbreviation, card issuing bank code and card type code.

2. The raised design of the card number

In fact, you will find that the card number of many credit cards is displayed in raised form. Why is it designed in this style? This is because of the practicality of credit cards. It turns out that at the beginning of the birth of credit cards, people could only use carbon paper to print the credit card number as a proof of your card consumption. With this raised information, you could complete the transaction. Therefore, the card number is raised not only for the convenience of printing, but also for information security.

3. Security codes have various names

Credit cards will be set with a security code, which is usually the last three digits on the signature line on the back of your card. However, different institutions have different names for this type of number. For example, UnionPay is called CVN2, Master is called CVC2, VISA is called CVV2, and American Express is called CSC2. However, even though it has so many different names, its usage principles are the same, so just pay attention to it.

4. The signature field cannot be left empty

If you sort out your credit cards carefully, it is not difficult to find that the signature field on the back of some of your credit cards is blank and your name is not filled in. You must not underestimate the signature field of your credit card. It is as important as the password and security code of your credit card. Many times, a credit card with a signature can help you avoid various risks of using the card, so remember to sign your name.

5. There is "asking for annual fee exemption"

Although many banks will set up various requirements to help you waive annual fees, including how many transactions and how much amount you have to pay. , how many points you have, etc. In many cases, once you fail to meet the bank's requirements, the bank will naturally deduct the annual fee. However, it is said that some people called the bank and negotiated with the bank to get the annual fee waived, and this operation was also successful.

6. There is a limit on the number of credit card withdrawals

Many people don’t know that there is a limit to the number of credit card credit card withdrawals. This means that you can’t just increase your credit card limit if you want. Banks have conditional settings for the number of limit increases. Different banks have different limit increase policies and restrictions. Some banks can apply twice a year. Some banks can only allow it once a year, so it is recommended that you understand these contents clearly when applying for a credit card.

The above is the unpopular knowledge about credit cards that I have compiled for you. The use of credit cards is not simple, but what remains the same is that as long as you understand enough credit card knowledge, you will be able to use credit cards. To a certain extent, you have the opportunity to increase your quota. If you swipe your card regularly and let the bank identify you as a customer with better financial ability, on-time repayment or greater consumption potential, then the bank will naturally take the initiative to increase the credit limit for you, so that the credit card can be used by you.