What does credit card cash back mean?

"The so-called credit card cash back means that after the credit card holder uses his credit card to spend up to the amount specified by the bank, the bank will return part of the money to the credit card Holder."

Advantages

1. Compared with ordinary bank debit cards, the most convenient way to use a credit card is that it can be used for ordinary consumption without cash in the card. , in many cases it is enough to repay the consumed amount on schedule.

2. You can use overdrafts without deposits, and you can enjoy an interest-free period of 20-56 days for on-time repayment without any interest charges (most banks will charge an interest of 50,000 cents on the day of cash withdrawal. There is also a 2% handling fee. ICBC cash withdrawals are free of handling fees and only charge interest).

3. Swiping your card when shopping is not only safe and convenient, but also provides points for gifts.

You can enjoy discounts when you use the card at the bank's designated merchants.

Accumulate personal credit and add a record of integrity to your credit file that will benefit you throughout your life.

4. It is accessible nationwide and you can withdraw money or make purchases by credit card at ATMs and POS machines with the UnionPay logo; (Note: Credit cards are only suitable for consumption. It is best not to withdraw cash. The handling fee for cash withdrawal is very high. Very uneconomical)

5. Use credit cards to make purchases, collect existing points with some credit cards, and offer a variety of discounts and lucky draws throughout the year, so you can always be surprised as long as you use the card; (most credit cards do not have points for online payment, But online shopping payment is very convenient and fast)

6. Free monthly mailing of statements, allowing you to transparently control every consumption expenditure; (now promoting green environmental protection, you can cancel paper statements and change them to electronic ones) Bills)

7. The unique supplementary card function is suitable for couples to manage finances at the same time, or to control the financial expenditures of their children.

8. The free choice of one card and dual currencies is available all over the world. Overseas consumption can be repaid in domestic RMB.

400 or the 5-digit short number starting with 9 is available 24 hours a day. Loss reports are effective immediately and there is zero risk of losing the card.

9. Have a validity period: It is known that domestic credit cards are generally valid for three or five years.

Use third-party platforms (the domestic platform that supports credit card bill management is mainly Jujindou) for business cooperation to provide cardholders with preferential services.

Which bank visa card is best for going abroad? Three must-have cashback credit cards

With the continuous improvement of national economic income, more and more people are eager to go abroad to see the world, but it is not very convenient to carry RMB for consumption. For this reason, everyone You can equip yourself with a visa credit card. So, which bank visa card is best for going abroad? Here are some credit cards with no annual fees and cash back for overseas purchases.

1. Dragon Card MUSE Credit Card

A platinum card with no annual fee. The cashback highlights of this credit card are "8% cashback at overseas big-name merchants, and up to 28% cashback at overseas duty-free shops." now".

The most important thing is that the card can be issued with a global payment platinum card (Visa version), which can enjoy up to 5 million aviation accident insurance, flight baggage delay insurance and card loss protection, and foreign currency transactions can not only There is no foreign exchange fee, and you can automatically purchase foreign exchange and repay it directly in RMB.

2. Minsheng Visa Standard Credit Card

Minsheng Bank Platinum, the main card is 600 yuan/year, the supplementary card is 300 yuan/year, the annual fee is waived in the first year, and the card is used for 18 purchases in the year or 50,000 RMB (or equivalent foreign currency), the annual fee for the next year will be waived.

Use Minsheng Visa standard credit card to get 1% cash back on overseas purchases, and 10% cash back on offline dining purchases. The monthly cash back amount is capped at US$200, and the annual cap is US$1,000. In addition, foreign currency transaction fees are waived, and a buffet for two people can enjoy a 50% discount at a five-star hotel.

3. CITIC Bank Tuniu Card (VISA version)

The annual fee of RMB 2,000 is unconditionally waived and the currency conversion fee for overseas transactions is waived.

After registering through WeChat/SMS, Tuniu Visa co-branded card customers can enjoy cash rebates for purchases in 16 countries or regions including the United States and Canada, including the proportion of cash rebates for fashion department stores, restaurants, and accommodation. 30%, and the maximum cash back rate for other offline purchases is 8%.

What does postal credit card cashback mean

1. _Activity time

January 21, 2021 to December 31, 2021

2. _Activity objects

Postal Savings Bank of China Dingzhi Platinum UnionPay Credit Card Cardholders

Postal Savings Bank of China Dingya Platinum UnionPay Credit Card Cardholders

3. Activity content

(1) 1% cash back for overseas online and offline transactions

Cardholders can enjoy the rebate overseas (including Hong Kong, Macau and Taiwan) For offline physical merchants and online merchants that accept UnionPay cards (except for some restricted merchants subject to supervision), a single actual payment of 1 yuan or more can be made through card swiping, QuickPass (including card QuickPass and mobile PAY) and Cloud QuickPass APP. In RMB, you can enjoy 1% cash back in RMB equal to the actual payment amount for each purchase. A single card can earn a maximum cash rebate of RMB 1,000 per calendar month.

(2) Cloud QuickPass Random Red Envelope Activities

The cardholder registers the Cloud QuickPass APP with his/her real name and binds the Postal Savings Bank Dingzhi or Dingya Platinum UnionPay credit card, and uses the bound If you use a designated Postal Savings Bank Dingzhi or Dingya Platinum UnionPay credit card at designated overseas online merchants to make purchases through mobile PAY and UnionPay APP, you can get a UnionPay red envelope with a random amount. The maximum amount of red envelopes is RMB 588, and the same user can receive 1 red envelope per event day.

IV. Activity Details

(1) 1% cashback for overseas online and offline transactions

1. This activity will start from January 21, 2021 to 23 time and end at 23:00 on December 31, 2021. All times for this event are Beijing time, and the transaction time is based on the transaction time when the consumption enters the China UnionPay back-end system.

2. Only consumption transactions transferred through UnionPay can participate in the activity. Transactions paid through UnionPay online banking and third-party platforms (including but not limited to PAYPAL, Alipay (including clicking on Alipay to select online banking payment, quick payment and other transactions), Tenpay, etc.) will not participate in the activity. This activity is not applicable to cash advances, overpayment cash withdrawals, tax refunds, pre-authorized transactions, bank fee transactions (including credit card annual fees, credit card interest, cash advance fees, overdue penalties, etc.).

3. The cash rebate is based on the actual RMB amount paid by the cardholder, calculated at 1% of the amount, and the calculation result is divided into points. For example, the calculated cash back amount should be RMB 1.056, and the actual cash back amount will be RMB 1.05.

4. The cash rebate amount will be issued to the credit card account used for consumption 5 natural days after the transaction. Cardholders can check the cashback status through Postal Savings Bank of China.

5. Cardholders must maintain the normal status of participating accounts from the date of consumption to the date of receiving cash rebate. If the cardholder undergoes reverse transactions such as returns, reversals, cancellations, etc. or the current account is frozen, stopped, canceled, etc., no cash rebate will be provided, and the Postal Savings Bank and China UnionPay will retain the rebate but do not meet the conditions. Entitlement to cashback issued.

6. If any of the following circumstances occurs, his/her qualification to participate in this event will be limited or canceled, and Postal Savings Bank and China UnionPay have the right to recover the cash rebate amount issued, including But not limited to: engaging in false or illegal transactions, violating event rules or improperly obtaining cash back for card swiping, or being restricted in participating in UnionPay activities due to violations due to violations in participating in historical UnionPay marketing activities.

7. The goods or services purchased by the cardholder at an overseas merchant are provided by the merchant, and the cardholder should decide whether to purchase them. Postal Savings Bank of China and China UnionPay do not provide any guarantee for the quality of goods or services provided by merchants. To the extent permitted by laws and regulations, Postal Savings Bank of China and China UnionPay do not assume any responsibility for related matters or any damages caused by relevant goods or services. responsibility. In this regard, cardholders should directly contact the merchants themselves to handle and resolve the matter.

8. China UnionPay reserves the right to adjust the list of restricted merchants. Restricted merchants are mainly restricted merchants defined by supervision

Overseas cashback ratio of Dragon Card Muse Card

< p>Dragon Card MUSE credit card users receive 1% cash back for every transaction overseas, and 8% cash back at designated merchants.

1. Dragon Card MUSE credit card users can enjoy 8% cash back when swiping their cards at 14 overseas brand merchants, up to a maximum of US$600 per month. In addition, cardholders can enjoy 8% cash back when swiping their cards at five major overseas duty-free shops.

If bank users use MUSE credit cards to pay overseas through the VISA clearing network, they can enjoy 1% cash back for each transaction, with a monthly cap of US$500 per card.

2. CCB Dragon Card’s 8% rebate for overseas consumption is a built-in activity of CCB’s credit card. It can be used in conjunction with the above MUSE card activity, which means the double sum will return 16%. This can be obtained from CCB’s official account. You can participate in overseas activities by signing up for "Dragon Card Credit Card", but it currently requires a full amount of domestic consumption, and the maximum cash back limit of 8% is relatively small.

3. In addition, MUSE credit card cash back store address query: For global store locations, please reply "MUSE" in the CCB credit card official account "Long Card Credit Card" to check the specific store addresses that can be cash back. Those that are not on the list Cashback is not available in the store.

Operating environment: WeChat app version 8.40, mobile phone model is Huawei mate30

:

1. Cashback for Dragon Card overseas transactions. The rate is 8%. Cardholders who use Dragon Card credit cards in China will have the opportunity to obtain and participate in the designated Dragon Card credit card purchases overseas every quarter if the accumulated value reaches 20,000 yuan overseas. Amount, this amount includes the qualification for 8% cash rebate online and offline. The upper limit of 8% cash rebate for each cardholder per quarter is: JCB channel cash rebate equivalent to 700 yuan, VISA. The channel is 100 US dollars, the UnionPay channel is 700 yuan, and the large amount of cash rebate is a fixed cash rebate after reaching the consumption standard.

2. Dragon Card is the general name of all bank cards issued by China Construction Bank, which includes. Dragon Card debit cards, credit cards, quasi-credit cards and other cards issued by China Construction Bank, so all the cards operated by China Construction Bank are Dragon Cards. The design of the Dragon Card is characterized by the dragon shape on the card surface, and the cards issued by China Construction Bank Debit cards and credit cards are designed with dragons on them, so consumers are accustomed to calling these types of cards dragon cards. China Construction Bank has fully upgraded the functions of the original product "Dragon Card Savings Card". , integrating the principles of financial cards and silver cards, launched a comprehensive debit card product "Dragon Card" for mass customers.

This is the introduction of credit card overseas cashback.