How to use credit cards

There are two ways to use credit cards:

1. When credit card holders shop or eat in offline malls, they only need to The merchant where the cardholder purchases has a POS machine, then the cardholder can hand the credit card to the mall staff, and then swipe the credit card to complete the purchase;

2. The credit card can also be bound to Alipay and WeChat Wait for the payment software and pay when you consume.

Note: When the bank first issues a card, the cardholder needs to activate the credit card before using it. The cardholder can directly call the customer service number on the credit card and then follow the voice prompts to activate the credit card.

The credit card has a cash withdrawal function, so customers can also withdraw the credit limit for use. However, everyone needs to note that the cash withdrawal limit of some credit cards is only 50% of the credit limit, so customers can only withdraw half of the limit for use.

You also need to note that credit cards often have many benefits and benefits. For example, many platinum cards have high-speed rail and airport VIP lounge services, as well as discounts on various restaurants and hotels, afternoon tea services, etc. Credit card purchases can also accumulate points, which can then be redeemed for gifts, airline miles, etc.

Of course, customers must remember to repay on time after swiping their cards to avoid overdue behavior. Otherwise, the credit card is likely to be frozen and cannot be used anymore

How to use the credit card?

How to use credit cards:

1. Proper use: Credit cards require consumption first and then repayment. Users do not need to deposit money in advance. They can directly go to shopping malls, movie theaters and other major places to use credit cards. Pay. (Shizuka says card A)

2. Repay on time: After the user generates a bill using a credit card, he or she must repay before the expiration of the next month's repayment period. You can choose to repay in installments.

3. Pay attention to discounts: Credit cards will launch discounts and benefits from time to time, and users can receive discounts and benefits.

4. Points redemption: Credit card points can be used to redeem corresponding gifts.

How to use credit cards

1. Credit cards are divided into credit cards and quasi-credit cards. A credit card means that the cardholder has a certain credit limit and can use the credit card within the credit limit. A credit card that consumes first and repays later; a quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient to pay, the quasi-credit card can be overdrafted within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

2. The method that allows cardholders to pay off their credit card accounts without deposits is "spend first, deposit later". Most of these cards are used internationally. It has both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using their credit cards.

Extended information:

Credit cards can be repaid at the card-issuing bank, via WeBank POS mobile phone, and through transfer/remittance.

1. Within the card issuing bank

This method includes: card issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

2. Weiyintong POS mobile phone

Weiyintong POS mobile phone is a mobile financial system personal payment terminal, which can be used to directly swipe credit cards for repayment, as well as transfer and other services. . Instant payment!

3. Transfer/remittance repayment

It is mainly divided into two methods: inter-bank in the same city and inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

That’s it for the introduction on how to use credit cards.