How to use credit cards without a credit card
A large part of the reason why credit cards are so popular is that they can be used for overdraft in advance. Of course, there are also reasons why you can sometimes enjoy many discounts when spending with a credit card. Therefore, many people swipe their credit cards to pay for transactions when making daily purchases. So, how do you use your credit card if you don’t have it with you?
If the credit card is not with you, you can conduct card-less transactions. The cardholder only needs to provide the credit card account number, validity period and "last three digits" information to achieve offline transactions. Many people book hotels, air tickets, etc. through cardless transactions.
As long as your credit card has the online payment function enabled, even if the credit card is not with you, you can scan the QR code to complete the payment by logging into the credit card APP or mobile banking; or bind the credit card to Alipay or WeChat Come up and pay.
However, everyone also needs to pay attention to the fact that cardless transactions are now possible, so as long as you have the relevant information, you can make purchases without a physical card. Therefore, everyone must take good care of their credit cards to avoid information leakage and credit card theft by others.
The number behind the credit card is the CVV code belonging to the credit card. That is, on the back of the credit card, there are 7 digits after the signature line. The last 3 digits are the credit card's CVV code, commonly known as the "security code." For security reasons, banks cannot query the validity period and CVV code of all credit cards. It is a checksum used for authentication. To prevent fraud, these three digits must be kept secret.
The CVV2 code is as important as the credit card password, but it is easily overlooked. You must be vigilant and do not leak the number easily. Since some websites, especially overseas websites, do not require a password when paying via credit card network, the transaction can be completed by simply passing the password, validity period and CVV2 code.
1. Bill date:
The bill date refers to the bank’s regular monthly summary and settlement of all transactions, expenses, etc. on the credit card account for the current period, and calculation of the current period’s interest, total amount owed, and minimum Repayment amount.
For example, if your billing date is the 20th, then credit card transactions before the 20th of each month will be counted in this month's billing, and transactions after the 20th will be counted in the next billing cycle.
The billing date is fixed, the date of birth shown on the credit card application form (date of birth 29/30/31, the system is randomly configured to 4-28). See Billing Tips for details.
2. Last payment date:
It is the last date on which you pay off your current credit card balance. No interest will be paid before this date. If the final payment date is exceeded, interest will be calculated. So please remember the last payment date.
Card usage tips:
On the day of credit card consumption bill, the interest-free period is the shortest, 20/26 days;
After paying the bill with a credit card, the interest-free period is the longest 50/56 days.
What should I do if the bank applies for a credit card but does not have a card?
This is a digital credit card. There is no physical card, so there will be no problem. If you don’t like this, you can get another credit card with a physical card.
How to withdraw cash with ICBC cardless credit card?
If your credit card has been registered for mobile banking, please follow the steps below to handle cash withdrawal without card:
1. Make an appointment: Log in to mobile banking and select "Favorite - Cash Withdrawal without Card" function, follow the page prompts to enter the amount, reservation code and other information, and use SMS authentication payment or authentication media (encryptor, USB shield, etc.) for authentication;
2. Withdrawal: Any machine across the country has this function At the ICBC ATM, select the "Cash Withdrawal Without Card" option and complete the withdrawal with your reservation mobile phone number and reservation code.
Warm reminder: Domestic cash withdrawals by credit card are subject to handling fees according to the current charging standards. If the cash withdrawal is not overdrafted, overdraft interest will also be charged. For specific charging regulations, please contact 95588.
(Answer time: July 8, 2021. In case of business changes, please refer to the actual situation.
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Can I apply for a credit card if I don’t have a debit card?
Yes. When applying for a credit card, banks mainly check whether the applicant has a regular income, that is, whether he or she has the ability to repay. On the premise of having a deposit, the bank will consider the applicant to have the corresponding repayment ability, and will increase the probability of passing the credit rating accordingly. Savings are not a necessary proof. Common examples include: civil servants, employees of public institutions and state-owned enterprises, even if they have not handled any business at the bank, they can successfully apply for a credit card. If you have a formal and stable job and your salary card is processed at another bank, please print a copy of the transaction process of your salary card in the past six months and ask the bank to stamp it to prove its authenticity. If you have a certain monthly income, you can go to major banks to apply for a credit card. The following is an example of how to apply with China Construction Bank:
1. Application process:
1. Offline application method (offline application, appointment application, mobile booth application)
2. Online application method (bank official website application, third-party cooperation platform application)
Step 1: First, search for a credit card application.
Step 2: Select the type of credit card you want to apply for and click Apply Now.
Step 3: Fill in the application information. Note that yesterday’s information must be true and valid, otherwise it will affect the card processing.
Step 4: Following the previous step, continue to fill in the information and proceed to the next step. Remember the credit card inquiry password.
Step 5: Finally, submit the online credit card application form and wait for the approval result. If approved, the credit card center staff will contact you based on the information provided. The specific processing can be done at your door if necessary, or you can handle it yourself at a nearby outlet.
How to get a credit card if you don’t have a debit card? Master these skills to increase your credit card approval rate
Obtaining a credit card for daily consumption can relieve the stress of life. Many people have never applied for a credit card and think that they must have a debit card from the bank that issued the card. In fact, this is not the case. You can apply for a credit card even if you don’t have a debit card. Let’s take a look at what to do next. In addition to mastering the skills, there are some things that need to be paid attention to.
How to get a credit card if you don’t have a debit card?
Each bank does not clearly stipulate that it only applies for credit cards to customers with savings cards. As long as the applicant meets the basic conditions, such as being over 18 years old and not exceeding the maximum age, having stable work income, and submitting relevant Proof of information, including income certificate, employment certificate, etc.
However, if you have a debit card and a certain amount of deposits in the card-issuing bank, it will help the bank understand the applicant's financial situation. When the bank gives the applicant a credit rating, it will increase the pass rate accordingly. Probability. If you don’t have a savings card or deposit in a bank, it will be more difficult to apply for a card, especially for a white household.
There are usually two aspects that you need to pay attention to when applying for a credit card. One is the choice of bank and card type, and the other is the choice of application method. The details are as follows:
1. Bank card and Card type: The first choice is salary card, housing loan, car loan, or a bank with close financial management, deposits and other businesses. If there is no commercial bank with loose threshold, you can start with China Merchants, Industrial Bank, Communications, CITIC, etc. State-owned banks are the best. It is best to wait for the commercial bank card to be used for a period of time before considering it, and then choose the card type according to your needs.
2. Application method: In fact, you can apply for a card at an offline outlet or apply for a card online on the official website. The difference is that you can submit information when applying for a card offline, because the bank has already verified the identity information when applying for the card. Just apply for a card once and wait for the card to be approved later. Don’t go to the bank; after passing the preliminary review of the online official website, you have to go to the bank for an interview. If the interview is unsuccessful, you will not get the card.
The above is the relevant introduction to "How to get a credit card without a debit card". I hope it will be helpful to everyone.
How to use the ICBC cardless credit card?
If you are referring to the ICBC Platinum Digital Card, the card can be linked online for use.
1. In-bank channels: Credit card binding can be completed through the "Digital Card Zone" of ICBC e-Life, mobile banking and the "one-click card binding" function of ICBC e-Life.
Among them, through the "one-click card binding" function, the card needs to be added as an ICBC mobile banking registered card in advance.
2. Outside channels: Customers can go to third-party platforms (WeChat, Alipay, Meituan, JD.com, etc.) to complete the self-service card binding of ICBC Platinum Digital Credit Card.
For other cards, you can call the 95588 customer service hotline for details.
(Answer time: July 19, 2021. In case of business changes, please refer to the actual situation.)
How to introduce the credit card without a card. Let’s stop here.