1. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

2. The way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used for international circulation. It has two functions: payment and credit. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers.

Extended data:

Credit cards can be issued in banks, micro-silver POS mobile phones, and transfer du/ remittance payments can be made.

1, within the issuing bank

The types of bai of this party include: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.

2. Micro-silver POS mobile phone

Weizhong Bank POS mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer of credit cards. Arrive immediately!

3. Transfer/remittance repayment

Mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.

How to use credit card and matters needing attention

First, how to use the credit card:

1. Activate the credit card. Only after you have successfully applied for a credit card can you use it.

2. Consumption or cash withdrawal: after the credit card is activated, it can be used for consumption, can be bound to Alipay, WeChat and other software for consumption payment, and can also be used by merchants. If you are in urgent need of cash, you can also withdraw cash through the bank counter or ATM. Consumption: After activation, you can swipe your card on the merchant's POS machine, or bind WeChat, Alipay and other software for online payment.

3. Repayment: repay the arrears after consumption and cash withdrawal on schedule, so as not to affect future consumption.

Two. Precautions for using credit cards:

1. Be sure to know the relevant terms in detail before and after handling the card. At present, the phenomenon of "unable to open the card" is widespread, and according to most banks,

According to the terms of, even if the credit card is not activated, you still have to pay an annual fee.

2. Remember to repay before the interest-free repayment period. (Note: overdue interest-free is not allowed)

3. Pay attention to the fraction of the balance when repaying, and make full repayment. Many consumers don't pay attention to the fraction when repaying, and they don't repay in full.

Arrears. If there is historical arrears, consumers will no longer enjoy the interest-free repayment period.

4. The application for temporarily increasing the credit line has a time limit (generally 1 month, which can be increased to 120% of the credit line). After the expiration of the validity period, it will

Automatically restore to the credit limit before adjustment.

5. Don't withdraw cash by credit card. It's best to settle accounts with it.

6. Don't use non-credit cards to withdraw cash or settle accounts abroad, and use credit cards cautiously for RMB repayment in consumption abroad and China.

Function, because it not only has the risk of exchange rate change to bear the loss of exchange rate change, but also the issuing bank has to charge related foreign exchange fees, and some have to charge various fees from foreign correspondent banks, which is very expensive.

7. After receiving the monthly statement of the credit card, you must pay the minimum repayment amount (generally 65438+ 00% of the overdraft amount) within the repayment period.

Bank of Communications Credit Card Usage Rules

1, the billing date is fixed, and the final repayment date is 25 days after the billing date (the day after minus the day before). If the billing date is 1, the final repayment date is 26 days. Like this, the billing date is 17, and the final repayment date spans several months. With the different days of each month, the final repayment date will be different.

2. Bank of Communications gives cardholders an opportunity to modify the bill date, which can be modified according to their own needs.

3. The interest-free period of Bank of Communications credit card spending is 25 to 56 days. Each bill counts the consumption between 17 and 16 next month. If you spend on 16, the bill will be billed on 17 until the final repayment date (1 1 or 65438 next month).

4. Before the final repayment date (the day can also be counted), full repayment can enjoy interest-free treatment.

If you can't repay in full before the final repayment date, you can choose the minimum repayment amount, which is about one tenth of the total amount owed, and the amount will be indicated on each bill. This is not a malicious overdraft, and it will not affect personal credit history, but interest should be charged in full from the date of consumption, with a daily interest rate of five ten thousandths.

6. If the minimum repayment amount is not paid before the final repayment date, the accountant will charge interest and incur a late fee. Moreover, overdue credit cards will affect personal credit records and affect the handling of loans and credit cards in the future.

Extended data

Interest clause:

1. For non-cash transactions (cash advance or transfer), the interest-free repayment period is from the bank bookkeeping date to the due repayment date. The shortest interest-free repayment period is 25 days and the longest is 56 days.

2. During this period, as long as the current payable amount (total amount owed) on the current statement is fully paid off, there is no need to pay any interest on non-cash transactions (advance cash does not enjoy interest-free discount).

3. The minimum repayment amount means that if the cardholder has difficulty in repaying all the payables before the due repayment date (inclusive), he can make repayment according to the minimum repayment amount stipulated by the issuing bank, but he cannot enjoy the interest-free repayment period. The minimum repayment amount is 65438+ 00% of the consumption amount plus other payables. The minimum repayment amount is listed on the current bill.

Extended source: Baidu Encyclopedia-Bank of Communications Credit Card

Credit card rules

The rules for credit cards are as follows:

First, we must cherish our credit line and never default on the bank's money, because the bank's money cannot be delayed for a minute. We would rather pay in advance than default on the bank's money. If the credit is delayed, the credit will decline, which will cause a lot of trouble.

Second, cardholders should not want to apply for a high credit card just because they have a car and a house. If they don't contribute to the bank, the bank won't give you a high credit card at the first time (except in special circumstances), and the high credit card will gradually increase according to your credit rating and card usage.

Third, pay attention to the combination of size and credit card limit.

Card friends who like to spend a lot of money need to pay attention. It is a good choice to brush a few small sums of money when you are free, which can not only prevent bank risk control but also increase the quota.

Card friends who usually like to spend small money can sometimes spend a few large sums. Otherwise, they have been spending a small amount, and the bank will judge that the cardholder's consumption level is insufficient, so the quota naturally does not need to be increased.

Fourth, credit cards cannot be swiped in whole numbers.

Maybe people don't pay much attention to the amount of credit cards when they swipe their cards. In fact, this will also affect the withdrawal amount. When swiping a card, the cardholder should try to avoid the same three digits after the swiping amount, such as 1666, 1888, 1999, etc. You can't brush out the amount of1234,4567 like playing landlords. It's abnormal. The credit card limit is preferably an irregular limit such as1845,3542.

Fifth, try to control your consumption.

Try not to use credit card to withdraw cash, and don't use the money in credit card to invest, because the interest and handling fee of credit card withdrawal are high, and it is ok to make money by investing. In case something goes wrong, how can I pay back the money in my credit card?

6. Don't arbitrarily believe in the promotion or intermediary of high-value credit cards, which is risky for credit cards and will also cause information leakage and theft.

Seven, do the card in advance

It is recommended that cardholders apply for a card early and raise a card early. Don't think about applying for a credit card before you have no money, so banks generally won't handle it for you.

When you meet the right opportunity, you should handle it well. Don't be too picky about choosing a bank, because you missed a reasonable opportunity and may not meet the requirements when you want to apply.

Eight. Diversified repayment

Cardholders must learn to use a variety of repayment methods. If there is a problem with the usual repayment method, the cardholder can try another repayment method, which can avoid unnecessary credit problems.

Nine, the credit card time should be normal. The time for cardholders to swipe their cards should comply with the law. For example, it is best to swipe your card between 9 am and afternoon 10, and try not to swipe your card at other times. Of course, normal consumption can be ignored. If card friends with abnormal consumption have to brush, they should also brush the right types of merchants, such as brushing bars, KTV and so on at night.

There are several advantages to using a credit card:

First of all, personal credit in the bank will be improved. If the credit card has been repaid on time and maintained a good credit record, it is very helpful for bank loans.

Second, save the trouble of carrying cash. Users can spend first and then repay, and they don't have to bring cash when they go out.

3. Cardholders can enjoy preferential discount activities. Many merchants have cooperation with banks, and there will be some preferential policies for credit card consumption.

Fourth, online consumption is faster. Online payment also supports credit card payment, which greatly facilitates daily consumption and shopping.

5. No restrictions on regional use. Credit cards can be used all over the country, and some credit cards can even be used directly abroad.

What are the safety precautions for BOC's credit card use?

Safety precautions for credit card use:

1. This credit card is for personal use only and cannot be lent to others.

2. Important payment information of the credit card, such as expiration date, CVV, mobile phone verification code, password and other information, should not be told to others.

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

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

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

This is enough for the introduction of the regulations on the use of credit cards.