What are the safety precautions for using Bank of China credit cards?

Safety precautions for using credit cards:

1. The credit card can only be used by the person himself and cannot be transferred to others.

2. Do not share important credit card payment information, such as validity period, CVV, mobile phone verification code, password, etc. with others.

3. When trading online, please choose a safe network environment to prevent phishing websites from stealing account information.

4. Pay attention to credit card consumption reminders, and if you have any questions, please contact the credit card customer service hotline 4006695566.

The above content is for your reference, please refer to actual business regulations.

What should you pay attention to when using a credit card?

First, try not to use it, only use it when necessary.

Second, if you want to cash out, you need to spend more small amounts.

Third, try to use it after the billing date, so that it can last up to 50 days.

Fourth, as long as the credit card calls you manually, you must make more installments, even if it is 1,000 yuan, in order to increase the limit.

Fifth, if you have the ability to make a phone call, buy more financial management services from that credit card bank, even a fixed deposit.

To sum up, only banks can make money from you. You are a high-quality customer and can use credit cards. Also, it is easier to use than a credit card if you have a fixed income.

What should you pay attention to when using a credit card? First: Don’t be overdue

Don’t be overdue is the most important thing. This will not only affect future quota increases, but also affect future mortgage loans and other borrowings. So you can choose the minimum payment or installment payment, but it cannot be overdue.

Second: Increase the limit

If you want to increase the limit, the most important thing is to use the card as much as possible. If you can use the installment plan, you can use it. At the same time, diversified consumption is also the key to increasing the quota. Each bank's self-service limit increase time is different, and the specific information depends on the rules of the corresponding bank.

Credit card is the product of modern advanced consumption. It is a payment method for non-cash transactions and is used for consumption in the form of credit services. By applying for a credit card from the bank, you will get your own personal credit card after approval. However, credit cards often have a validity period. Many cardholders do not understand this and often say: "Does credit still have an expiration date?" ?”

Today I will explain to you why this phenomenon occurs regarding the card holding period on credit cards:

(1) Prevent risks. When you pay with a credit card via Internet phone, or change the password by voice over the phone, you need to report the usage period of your credit card. This is also to prove that the card is indeed in your hand, and it also "adds" a step of credit risk prevention, which can Protect the legitimate rights and interests of cardholders to a certain extent.

(2) Rating system. A credit card usually expires a few years later. At this time, if the cardholder wants to continue using the credit card, he or she must reapply for a card replacement, and the bank will re-rate the cardholder's credit rating. If your credit report is good and you use the card within a reasonable range, the bank will ask you whether you want to upgrade or increase your credit limit. On the other hand, if your credit score is not good, then you may not be able to apply for a new credit card. This is also a rating protection measure implemented by the banking system itself.

Hello, Futures Xiaochu, as a so-called old man who has been engaged in the financial industry for more than ten years, got his first credit card in 2006, and at most he owned more than a dozen credit cards. He is a standard credit card expert. A national financial planner, give a brief answer to this question

First understand the concept of credit card

The relevant laws of our country (credit card refers to a credit card issued by a commercial bank or other financial institution) An electronic payment card that has all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.

Credit card is also called a credit card, which is a credit card issued by a commercial bank or credit card company. Certificate of credit issued by the applicant.

It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Secondly, about the benefits of credit cards

1. Credit cards are the only debt instruments with a long interest-free period and have high use value. This is not available in any other loan type. This means that for a period of time, we can spend the bank's money for free to do our own things. When money is tight, you can use a credit card to tide you over without paying interest.

2. You can accumulate personal credit. Banks generally will not easily grant credit to "white credit accounts" that have no credit record in the Credit Reference Center of the People's Bank of China. Even if credit is granted, the loan amount will be very low, and the loan interest rate will not be any preferential. Young people who have just emerged from society can accumulate personal credit by using credit cards and repaying their loans on time, laying the foundation for applying for mortgage loans, car loans and low-interest credit loans in the future.

3. You can accumulate points and participate in preferential activities. Using a credit card, you can accumulate points and redeem them for gifts or benefits. In order to seize the market and maintain customers, various bank credit card centers have launched many preferential activities. Some activities are very powerful. Activities such as 50% off food and 1 yuan to watch movies are very cost-effective and can save a lot of money.

4. Some credit cards have powerful functions and can facilitate daily life.

The third return to this question is "What should I pay attention to when using a credit card?"

1. Pay back the loan on time:

After using a credit card, you must Remember to repay on time. Once it is overdue, it will not only result in a bad credit record, but the bank will also charge overdue penalty interest.

2. Don’t swipe your credit card too frequently:

Some people use credit cards frequently and the intervals between card swiping are short. Such behavior can easily be risk controlled by banks.

3. Consumption diversification:

When cardholders use credit cards to make purchases, they should diversify their purchases and not be limited to one place. They can swipe their cards in hotels, restaurants, shopping malls, etc. . If you keep spending in one place, the bank will think that the cardholder does not have the spending power and will lower the credit limit of the credit card.

Now the post-80s and post-90s generation have developed a pre-emptive consumption concept and have become the main force in credit card consumption. Credit cards are a good thing, but there are some things I want to remind you so that you can make better use of the convenience of credit cards.

Financial analysts suggest that users need to evaluate their own financial situation and self-control ability, and choose an amount that is within their personal affordability. It is best not to exceed their regular income for half a year. Moreover, if you have more than three credit cards on hand, you can use a dedicated credit card accounting management APP to avoid forgetting to repay due to too many cards, causing overdue payments and affecting your personal credit report.

If you want your credit card to not be overdue, it is recommended to do the following things:

The first credit card should be bound to a repayment account, set up automatic repayment, and the repayment account should have enough funds. balance.

Thirdly, now everyone prefers to use WeChat Alipay to pay off credit cards. After registering there, WeChat Alipay will remind you.

Fourth, there is another way to never overdue a credit card

If you don’t apply for a credit card, it will never be overdue

If you have everything ready, you only lack funds ,sure.

But you must act within your ability and consider whether you can bear the consequences if you fail.

If it were me, I would choose to find several partners to share the risk instead of using your method.

Repay your loan on time, remember not to overdue it, and diversify your consumption to help increase your balance.

Normal consumption, real consumption, diversified consumption, pay attention to the password and the CVV code on the back, do not leak it

I will answer this question, I hope it will be helpful to you, and tell you what to pay attention to. The most important thing to pay attention to is not to exceed the due date. Everyone knows that credit cards have a maximum interest-free period of 50 days. If you make a purchase on the day after the statement date, you can achieve the 50-day interest-free period. This is One of the great perks of a credit card is that you can lend money to everyone for free.

However, if you fail to repay the repayment on the due date, it will be more miserable. It will not only affect your personal credit score and make it difficult to apply for a home loan and car loan in the future, but you will also need to pay high interest. At present, The interest rate for overdue repayment of all bank credit cards is the same, which is 0.5% per day, and compound interest is calculated on a monthly basis. It is important to note that the principal for interest calculation is the total consumption amount of the month, and the interest calculation time is: all consumption in the current period will be calculated and collected from the accounting date (usually the second day after consumption). Not many cardholders Interest is calculated based on the number of days overdue.

In addition, because the cardholder does not repay on time, the bank will also charge late payment fees, and the proportion of late payment fees is higher: the late payment fee charges 5% of the unpaid portion of the minimum repayment amount, and is charged every month once. If you continue to fail to repay, the monthly interest and late payment fees will be added to the principal and continue to compound, which is quite scary.

Let’s take an example:

For example, if the bill date is the 5th of each month, the repayment due date is the 23rd of each month.

I spent 10,000 yuan on October 6, and the "repayment amount for this period" on the bill on November 5 was 10,000 yuan, and the "minimum repayment amount" was 1,000 yuan. If 10,000 yuan is repaid in full before November 23, no interest will accrue;

But if only the minimum repayment amount of 1,000 yuan is repaid before November 23, the interest will be: 10,000 yuan 0.0550 days = 250 Yuan;

If the minimum repayment amount is not paid, a late payment fee will be added: 10000105=50 yuan.

Are there any precautions when applying for a credit card?

There is no risk for users to apply for a credit card. As long as you can use it normally after processing and don't do any overdue behavior, there will be no problems. However, if a credit card is overdue, the bank will report the individual's overdue record to the central bank's credit reporting system, which will stain the individual's credit and affect future loan approvals. Credit cards are actually closely linked to the central bank’s personal credit reporting system. Both the application and the user's usage will be displayed in the central bank's personal credit report. Therefore, when using a credit card, users must repay the money on time. Of course, these two aspects also need to be paid attention to:

1. Avoid blind consumption. For most users, the limit on a credit card is just a number. Therefore, when shopping, we spend money like water and buy many useless goods, resulting in waste. Therefore, users must avoid blind consumption when using credit cards.

2. Avoid excessive consumption. Since credit cards have installment functions, many consumers often use credit cards to purchase some digital products. Of course, during this process, users must avoid excessive consumption to avoid being unable to repay.

3. When using credit cards, you need to be careful not to repay overdue payments, have good repayment habits, do not blindly apply for high-level credit cards, and protect your information to avoid being stolen.

(1) Late repayment is the most taboo thing when using a credit card

Non-due repayment is the most taboo thing when using a credit card.

These credit stains have a great impact on mortgage purchases, house purchases, and car purchases. From the perspective of risk control, banks are unwilling to lend money to people with credit stains. They will think that such users will There is a risk of overdue or bad debts.

(2) Have good repayment habits

After getting a credit card, you must control your consumption desire. Do not swipe the card willfully. If you cannot pay off the loan on the repayment date, you must choose installments. . In fact, installments will generate high interest rates, and a vicious cycle will lead to more and more debt.

(3) Do not blindly apply for high-level cards

For example, the annual fee for some ordinary platinum cards has reached several thousand. You must understand it carefully before applying, because by then you will forget Paying high annual fees can also stain your credit.

(4) Protect personal information to avoid being stolen

This issue must be paid attention to, and personal information must be protected.

Once you find out that the card has been stolen, the first thing to do is to call the customer service number to tell the bank that it was not your purchase and ask the bank to suspend the credit card. The customer service will ask you to go to a nearby ATM to swipe the card and get the consumption receipt.

The second is to call the police to prove where you are, and then take this evidence to the bank's credit card department and wait for the bank's investigation.

What should you pay attention to when using a credit card

Card security precautions: 1. Please keep your personal information properly and do not tell others the validity period and other information. Credit cards can only be used by the cardholder. Do not lend the credit card to others. When you get a new card, you should sign on the back of the card immediately. 2. Don’t leave your sight when swiping your card for consumption. Please be careful when entering your password. Don’t set your password too simply, and don’t use your birthday, phone number, or ID number as your password. Never write your PIN on the card or keep it with the card. There is some card information on the purchase form, so do not throw it away casually. 3. Please identify the URL carefully to prevent visiting fake shopping websites and fake online payment pages. If you find a suspicious website, please call the customer service hotline immediately for verification. Do not enter bank account number, password and other information on unknown websites to avoid personal information being stolen by phishing websites or network Trojans. 4. If there are any changes to your personal information (for example, changes in contact information, address, etc.), please modify the relevant information through the banking system in a timely manner. 5. Check your transactions regularly and reconcile your statements. 6. Please read the consumption notification text message sent by our bank carefully. When the amount in the text message does not match the actual amount, please call the customer service hotline for further enquiry.

What issues should international students pay attention to when using Bank of China credit cards abroad?

Notes for international students using Bank of China credit cards abroad:

1. Credit card safety:

(1) Keep the "security code" properly:

The security code is a 3 or 4-digit number printed on the credit card. The printing location will be different for different types of cards. It is often used to prevent credit card fraud by verifying that the payer owned the credit card at the time of the transaction. Please keep your credit card safe and do not tell others the security code or send credit card pictures with security code information to others.

(2) If you encounter problems, report the loss immediately:

If you encounter a loss of your credit card overseas, please call the Bank of China credit card customer service hotline 86-10-66085566, 86- 10-66086569, or report the loss through Bank of China mobile banking or the "Bank of China Credit Card" WeChat official account - My Account - Loss Report and Card Replacement section, or Colorful Life APP.

(3) Payment security lock:

It is recommended that you activate the payment security lock. According to the card use needs, you can check domestic and overseas, card presence or absence, consumption amount, card use time, etc. Autonomous control. In addition, you can also set up the "one-click card lock" function through the payment security lock to close or open your credit card at any time. Currently, you can use the "Bank of China Credit Card" WeChat official account - My Account - More - Payment Security Lock, Mobile Banking - Credit Card - One-click card lock, Colorful Life APP - Use Card - Payment Security Lock, Bank of China branch counters, Bank of China The credit card customer service hotline 4006695566 and the five major channels have payment security lock functions.

2. Handling fee reminder:

(1) Please use local currency for overseas consumption:

Some overseas merchants may provide dynamic currency conversion service (DCC). Live conversion of the local currency of the transaction into your billing currency, this service will incur an additional exchange rate markup. When the exchange rate does not fluctuate drastically, it is recommended that you refuse this service and choose to use local currency for settlement.

(2) Enter password for overseas consumption:

When using your credit card for overseas consumption, it will be determined whether to use password for consumption based on the merchant’s requirements and card type. Some countries will impose restrictions on chip cards. Compulsory password verification is adopted. It is recommended that you set a consumption and cash withdrawal password before going abroad. You can call the Bank of China credit card customer service hotline 4006695566 to set it. If the merchant requires a 4-digit consumption password, enter the first 4 digits of the 6-digit password to complete the transaction.

(3) Overseas transaction tips:

Overseas, to receive SMS reminders for overseas consumption, you need to activate international roaming mobile phone service; or search for "Bank of China Credit Card" or "Boc-card" Follow the WeChat service account and bind your credit card.

The above content is for your reference, please refer to actual business regulations.

Is there anything I need to pay attention to when using a credit card?

Things to note when swiping a credit card:

1. The credit card can only be used by the cardholder himself. Do not lend the credit card to others.

2. Please keep your personal information properly and do not tell others such information as the validity period and the number on the signature box on the back.

3. When swiping your card for consumption, keep your credit card out of your sight.

4. When entering the password, please pay attention to covering it.

5. When you get the new card, you should sign on the back of the card immediately.

6. There is some credit card information on the purchase form, so do not throw it away at will.

7. Please identify the URL carefully to prevent visiting fake shopping websites and fake online payment pages. If you find a suspicious URL, please call the credit card service hotline immediately for verification.

8. Please read the consumption notification text message sent by our bank carefully. If the amount in the text message does not match the actual amount, please call the service hotline in time to inquire.

9. Please update your contact information in a timely manner.

About the credit card application conditions, the description is as follows:

1. The applicant should be between 18 and 60 years old (25 to 60 years old for overseas residents), have certain financial ability and have a good credit record .

2. The applicant for the supplementary card is 14 years old (inclusive) or above. The main cardholder can apply for the supplementary card for immediate family members (parents, spouse or children).

This ends the introduction to the precautions for credit cards and the precautions for college students to use credit cards. I wonder if you found the information you need?