How to pay by credit card on WeChat is divided into three steps. First, you need to add a credit card to WeChat. The following are the specific steps: 1 Step 1 Listen to the voice, first open the WeChat client, then click the button in the upper right corner, click the option of receiving and paying in the pop-up options bar to enter the page of receiving and paying, step 2 listen to the voice, then click the option of giving priority to using this payment method below the payment code, step 3 listen to the voice and then select the credit card to use. Credit card WeChat payment method: 1. After opening WeChat, click "I" in the lower right corner. 2. Click Pay in WeChat Personal Center. 3. Next, click on the WeChat wallet in the upper right corner. 4. Click on WeChat wallet to select a bank card. 5. Select Add Bank Card at the bottom to bind the credit card to be swiped. 6. In the future, users can choose to pay by bank card when scanning payment or presenting payment code on WeChat.
How to swipe a credit card without a physical card?
Credit cards can be used for credit card spending, not only online but also offline.
1, online consumption:
Actually, it is online shopping, provided that the store supports credit card payment. Then you can select the goods you want to buy in the store, add them to the shopping cart and pay for them. The payment method is credit card. You can complete the payment by entering the validity period of the credit card, CVV2 code, mobile phone verification code and transaction password.
2. Offline consumption:
It can also be divided into two ways, one is to brush POS machine consumption, and the other is to scan code payment.
1) spending by swiping the POS machine: the premise is to bind the credit card to the mobile phone or other mobile payment devices, then call out the credit card, put the mobile phone near the POS machine, and hear the drip sound, so as to complete the payment.
2) Code scanning payment: You can bind the credit card to WeChat and Alipay, then scan the QR code of the store, select the payment method as credit card payment, and enter the password. You can also open the mobile phone Alipay/WeChat, show the payment code of the credit card to the merchant, and let the merchant pay by scanning the code with a scanning gun. 1) Brush POS machine for consumption
Extended data:
Credit card application:
If a customer wants to apply for a credit card, he can directly bring personal ID card and income proof (such as bank running water and payroll) and other relevant information to the counter of the offline business outlet of the selected bank, ask the staff to apply for a card, then get the application form to fill in, and then hand the completed form together with the information to the staff, and then wait patiently for the bank to review.
After the bank's approval is completed, it will naturally send a message to inform the customer. If approved, it will make a card for the customer and then mail the prepared card to the customer. Customers can activate the card and use it after receiving it.
Of course, in addition to applying at the outlets, customers can also apply directly at the bank official website, the mobile banking client or the credit card app. However, it should be noted that if you apply for a bank's credit card online for the first time, you may have to go to the bank for an interview afterwards.
Customers should pay attention to keep the phone open after submitting their card application, because some banks may call to ask customers some relevant information during the audit. In this regard, if you don't receive the call in time, it may have a certain impact on the card approval.
Credit card withdrawal:
When applying for a credit card, the bank will approve the amount according to the applicant's comprehensive qualifications, and the credit card can also be used to raise the amount. The method is as follows:
First, more credit card spending.
If you want to increase the credit card limit, you should spend more by credit card. If you can swipe your card, try to swipe it. It is best to keep a stable consumption record for several months before applying for withdrawal, and it is best to swipe your card about 20 times a month. Merchants who swipe their cards should also be diversified.
Second, properly handle the staging.
Appropriate installment is beneficial to credit card withdrawal, but it is best not to be too long, 3 to 6 installments are enough, and the installment amount is not too large. For example, it is very appropriate to apply for installment after spending on some holidays, and the success rate of withdrawal is also high.
Third, make a good record of using the card.
If you want to return the credit card, a good credit card record is essential, because there is no way to return the credit card because there is a bad record on the credit information, so you must repay it on time to avoid illegal operations such as overdue and cash withdrawal.
How to use a mobile phone credit card
How to use a mobile credit card:
1. Download and install Netease Rich App (version APP(3.2.0) is in iPhone 13 mobile phone iOS 15.0), and log in (you can log in with 163 email, WeChat and Weibo, and you can save data and synchronize data on different devices after logging in).
2. Click "Add Assets" on the home page of assets and select "Credit Card".
3. Select the credit card to manage and add it. At present, this APP supports 2 1 credit card synchronization, which can facilitate credit card management. Basically, prime bank credit cards can directly obtain information such as bill date, repayment date, points, limit, arrears, bill details and so on, which is very convenient. (You need to log in to online banking in the APP to open synchronization, but they are underwritten by Pacific Property Insurance, which is safer than small company apps. )
4. When you need to get the latest credit card bill and debt information, just click Sync on the page.
5. If your credit card supports automatic synchronization, you can see the latest credit card details by opening the APP every day, and there will be a message prompt after the automatic synchronization is completed.
6. Every card will be reminded by SMS one day before the repayment date, so it is not easy to miss the overdue repayment date.
Skills of using mobile credit card:
1. Change the billing date and extend the interest-free period. Many bank credit cards can change the bill date. If the credit card is temporarily unavailable due to special circumstances, you can modify the billing date before the billing date and push it back, thus extending the billing time. However, it should be noted that the accounting date can only be modified once or twice a year, so please modify it carefully.
2. Time to apply for repayment. Most bank credit cards have a grace period of 1-3 days after the final repayment date (ICBC does not). If you can't reach the final repayment date, you can call the bank to explain the situation and pay it back in a day or two. This will not be overdue, but it must not exceed the last grace period, otherwise it will be overdue.
3. Don't pay the minimum repayment. Some people will choose the minimum repayment amount when they don't repay temporarily, but people who use credit cards for a long time generally don't choose the minimum repayment amount. Because the minimum repayment interest is quite high, and there is no interest-free period, and often the minimum repayment will affect the withdrawal of credit cards.
4. Pay all the bills in full at a lower price. That is, you can pay the bill in full with about one tenth of the bill amount. The method is to start repayment after the bill comes out, then brush out the money and pay it back, and so on, and pay it off before the final repayment date. This method is ingenious, but you must pay attention to the details when operating. When the details are done, you can easily repay the loan and also play the role of raising the card. If you don't pay attention, your credit card may be downgraded.
5. Consumption after the bill. The most basic skill in using credit cards is to make rational use of the interest-free period. If you spend after the bill date, you can enjoy the interest-free time to the maximum extent. Especially when shopping in large quantities, be sure to pay attention to the billing date of the credit card. After the bill is consumed, you can get more than 50 days of interest-free time. However, if you spend money before the bill, you may spend it today and pay it back tomorrow, and you will lose the meaning of using a credit card.
6. Repay on the last repayment date. Many novices who use credit cards don't know what the billing date is and what the final repayment date is. Always pay the monthly bill as soon as it comes out, which greatly reduces the interest-free time of credit cards. Credit cards generally have a grace period of about 20 days from the billing date to the final repayment date, and the interest-free period can be effectively used for repayment on the final repayment date. There is no benefit in prepayment. It is better to put cash in the money fund to earn some interest.
7. Set automatic repayment. In order to effectively use the longest interest-free period and avoid overdue, automatic repayment must be used. At present, the credit card repayment functions of Alipay and WeChat are very easy to use. Set automatic repayment or scheduled repayment in advance, and don't bother to remember the repayment date. Note that when using automatic repayment, you must pay attention to the "cash pool" to ensure that the monetary fund or debit card for repayment has enough money, otherwise it will be overdue.
How to do credit card scanning code payment
There are generally two methods. One is that you have to bind the credit card to the mobile payment tool that scans the code. For example, if you scan the code with Alipay, you should bind the credit card to Alipay in advance, and the WeChat scan code will bind a credit card to WeChat. Another is whether the payee has opened the card payment business, not all merchants will open it.
Payment method is the payment and settlement method agreed by both importers and exporters in international trade. It can be divided into two categories: (1) cash settlement. That is, through international bank remittance, the creditor's rights and debts are paid off one by one in cash. According to the classification of credit, there are remittance and collection settlement that belong to commercial credit, collectively referred to as "unlicensed payment method", and there are settlement methods that belong to bank credit, such as letter of credit, purchase voucher and bank guarantee, collectively referred to as "certified payment method"; According to the time of payment, there are three types: "prepayment", "immediate payment" and "deferred payment"; According to the basis of payment, there are two ways: cash on delivery and cash against documents, of which cash against documents is the most widely used. Manual code scanning: This paper introduces code scanning through Alipay. Take out your mobile phone and open the Alipay mobile app-scan it and aim at the QR code to be scanned. After scanning the code successfully, jump to the payment page, enter the payment amount on the payment page, select the payment method as credit card, and enter the Alipay transaction password, and the payment is successful. Merchant code scanning: Open your Alipay APP, click Pay-Pay Merchant in the main interface, select the payment method as credit card, and then show the QR code of the credit card payment page to the merchant. The merchant takes out the code scanning gun, scans the QR code, and can pay successfully without entering a password.
There are several ways to pay by credit card. The first method is similar to direct bank transfer, which directly remits the money in the credit card to the bank account provided by the other party. In China, this method requires a debit card from a credit card bank at the same time, and the transfer amount and rate are relatively high, and the efficiency and security are not high. Generally, this method is used less; Second, payment can be made through credit card payment channels. There are many third-party payment companies with credit card channels in China, which transfer the money to the account of the third-party payment company, and then the third-party payment company remits the money to the designated account. This method is a relatively mature payment method. Because the base of domestic credit card payment is still relatively small, this method is mainly used in foreign trade; Credit card payment can also be combined with other payment methods, such as electronic accounts, so I won't say much here.
This is the end of the introduction on how to swipe your credit card on your mobile phone and how to swipe your credit card with your mobile phone. I wonder if you have found the information you need?