How to spend credit cards online

Credit cards can be used when shopping online, and users only need to select the payer as the credit card.

online shopping by credit card refers to a shopping method in which users pay online by credit card when purchasing goods on e-commerce websites such as Taobao and JD.COM, and the goods are delivered by merchants by mail or express delivery.

Taking Taobao shopping as an example, let's see how to operate online shopping by credit card:

First, online shopping by credit card is the first time, and fast payment by credit card is launched.

Open Taobao, find Alipay in My Taobao —— Click on the bank card on the right side of Alipay: Manage —— Add a bank card —— Enter the credit card++,the expiration date and the mobile phone number reserved by the bank ——— and the opening is successful. After opening fast payment by credit card, you can buy your favorite goods. When you pay, you can choose credit card directly and enter the credit card payment password to succeed.

2. In addition to fast payment by credit card, such as China Merchants Bank and China CITIC Bank, you can also choose "Log in to online banking to pay", select a credit card at the online banking terminal, and fill in the relevant information and password as prompted before making payment.

Does online consumption of credit cards count as the number of swipes? Fast payment is called swiping

Many cardholders who are used to online shopping often use credit cards for online consumption. Since the number of swipes of credit cards is related to the annual fee exemption and subsequent quota increase, many cardholders will want to know whether online consumption of credit cards counts as the number of swipes. Today, I will explain to you the problem of swiping credit cards.

Does online consumption of credit cards count as the number of swipes

First of all, we should know that swiping credit cards is actually just a common name for credit card transactions. Since most credit card transactions require pos machines, there is a saying of "swiping cards". Online shopping using credit card payment is a kind of fast payment. In this case, even if there is no card body, the consumption is completed through the credit card limit, which belongs to credit card swiping. Its nature is equivalent to brushing pos machines.

Precautions for online shopping of credit cards

Of course, although online consumption of credit cards is regarded as swiping cards, it also has many special features:

1. Most banks have no points for online consumption of credit cards, and only some special cards (such as Taobao co-branded credit cards) can accumulate points when making online consumption;

2. Most banks will count the online consumption of credit cards into the number of card consumption, which is convenient for qualification evaluation and exemption of cardholders' annual fees in the future;

3. Some banks will deduct the corresponding charge for credit card online consumption, so it is best for cardholders to consult in advance.

The above is the answer to the question whether online consumption of credit cards counts as the number of swipes. In a word, as long as card friends understand all the relevant regulations of the card opening bank before swiping the card, they will not bring losses to themselves.

What are the advantages of spending by credit card?

Benefits of credit card: It can relieve economic pressure; Online consumption is convenient and fast; You can accumulate personal credit records. Using a credit card and repaying the loan on time can increase the credit limit.

this will save money. Many banks' credit cards cooperate with merchants. For example, there will be cash back discounts for swiping cards, and there will be discounts for eating, watching movies, shopping in supermarkets, refueling and car washing. In addition, credit card points can be exchanged for some gifts in daily life and even some lucky draws, and the points can be used as money.

suspend economic pressure. Sometimes money is urgently needed, and paying a large amount of consumption at one time will have certain economic pressure. If you have a credit card, you can use it to pay in installments and enjoy your favorite items in advance. The money left in hand can also be used for daily expenses and turnover.

online consumption is convenient and fast. Many online shopping malls or Taobao shops have opened credit card payment methods, catering to consumers' psychology of spending with credit cards. Although credit card online consumption has no points, its convenient and fast payment method is liked by many people.

accumulate personal credit records. Even if there is no big turnover demand, it usually costs money. If you use more credit cards and pay back on time, you can improve your credit limit and credit rating. You will have a good credit record in the personal credit database of the People's Bank of China, and it will be much easier to approve loans to buy a house and a car in the future.

Does online credit card consumption of China Bank count as annual fee-free times?

Online consumption counts as annual fee-free times.

the above contents are for your reference. please refer to the actual business regulations.

if you have any questions, please contact online customer service of Bank of China.

you are cordially invited to download and use China Bank Mobile Banking APP or BOC Cross-border GOAPP to handle related business.

Does online consumption of credit cards count as the number of swipes?

Not all banks count online consumption of credit cards as the number of swipes. Please call the credit card customer service of the issuing bank and ask for manual customer service. The online consumption of ordinary credit cards of China Everbright Bank, China Guangfa Bank, China Merchants Bank, Transportation Bank, Xingye Bank, Minsheng Bank and Shanghai Pudong Development Bank is counted as the number of swipes, regardless of B2C or C2C. However, except for platinum cards, platinum cards are rarely exempt from annual fees by swiping their cards.

Take China Merchants Bank as an example, any form of credit card spending is counted. China Merchants Bank credit card spending through online banking is also considered as a credit card. If you brush it for 6 times, you will also be exempted from annual fee. Just no integral.

At present, except for China CITIC Bank, the annual fee for credit cards below the gold card level in major domestic banks is generally automatically reduced in the first year, and the annual fee for the following year can be exempted if a certain number of swipes or consumer finance are met. China CITIC Bank credit card will be swiped or withdrawn once within 3 days of card approval, and the annual fee will be exempted in the first year. According to the regulations of credit card centers of major banks, online transactions are also counted as the number of swipes.

This concludes the introduction of frequent online consumption of credit cards and the influence of frequent online consumption on credit cards. Did you find the information you need?