How to use Industrial Virtual Credit Card to get the most bang for your buck Industrial Virtual Credit Card does not have a physical card, so its usage is different from the physical card. Generally, it can only be used for online consumption. Despite this, we still need to master certain skills when using this card to make purchases, so that we can achieve the most cost-effective way of swiping the card. Let’s learn about it together. Using the Xingye virtual card for consumption is nothing more than using it for online shopping, or binding the card on WeChat or Alipay to pay in some offline stores. As for how to use it most cost-effectively, you can do this: 1. Use it wherever there is a discount. , Industrial Bank has launched many preferential activities, many of which are online card swiping activities. For example, on December 31, 2016, the Industrial Bank used its virtual credit card to bind Alipay quick payment and shop on Taobao and Tmall. Get 10 yuan off when ordering over 88 yuan, etc. You can save a lot more by following the discounts than by swiping without a plan. 2. The interest-free period can be delayed as long as possible, taking advantage of the bank. The longest interest-free period for Industrial Bank credit cards is 50 days, and the shortest is 30 days. Naturally, the most cost-effective way to spend money is to grasp the time to swipe the card. Normally, the interest-free period of a credit card is affected by three factors: the card payment date, the statement date, and the final repayment date. If you swipe your card on the day after the bill date, it is the most cost-effective, because you can enjoy the longest 50-day interest-free period. If you swipe your card on the bill date, you can only enjoy 20 days of interest-free period. See this, everyone understands Come on. For example, assume that the bill date of Xiaoqi's Industrial Virtual Card is the 1st of every month, and the repayment date is the 20th of every month. If she consumes on December 1st, then the bill will be issued on January 1st, and the payment will end on January 20th. If you repay within the specified period, you can enjoy the interest-free period of up to 50 days. In addition, one thing to note is that after using a virtual credit card for overdraft consumption, you must repay before the final repayment date. Otherwise, if it is overdue, the bank will not only charge overdraft interest but also late payment fees. In serious cases, it will cause bad credit. Applying for a loan in the future will cause a lot of inconvenience. Finally, I would like to remind everyone that although the Industrial Virtual Credit Card can be used for arbitrary online purchases, you should still exercise restraint when using it. After all, the overdraft money will have to be paid back sooner or later. For shoppers, the most cost-effective way is not to use cards.