How to use a credit card

You must know something about playing credit cards.

How to identify credit cards:

62 begins with China UnionPay card.

The beginning of 4 is VISA Global Payment Card (more widely distributed than MasterCard, mostly in Asia and Europe).

The beginning of 5 is MasterCard global payment card (mostly in the United States).

37 begins with American Express.

The beginning of 35 is mainly Japanese JCB card.

How to increase the credit card limit;

1. The larger the credit card limit, the better, and the total consumption for half a year is at least 30% of the limit;

2. Consume as much as possible. For transactions with an average of more than 10 per month, it is easier to withdraw cash for transactions with more than 20 transactions;

3. There are many types of consumer merchants, such as shopping malls, supermarkets, gas stations, restaurants, hotels, tourism and entertainment places.

4. The less bulk consumption such as wholesale and house purchase and car purchase, the easier it is to raise the amount;

5. The less online shopping, Alipay transactions and cash withdrawals, the easier it is to approve the application for increasing the quota;

6. The type of merchants who swipe their cards cannot always be similar to the business scope of the company.

Try to withdraw cash by overdraft as little as possible:

At present, if you use Xingye's "Starry Night Constellation Credit Card", you can transfer the amount at one time through the client APP, and there is no handling fee.

Interest: Cash advance does not enjoy interest-free repayment. From the date of cash withdrawal to the date of settlement, interest will be charged at a daily rate of 0.5 ‰, with compound interest on a monthly basis.

Limit (in most banks): The withdrawal limit is generally 50% of the credit limit (except for cards with special provisions). At the same time, the maximum daily withdrawal amount of each card in China is RMB 2,000; The daily cumulative cash advance of each overseas non-UnionPay line shall not exceed the equivalent of 1 ,000 USD, the cumulative cash advance of 1 month shall not exceed the equivalent of 5,000 USD, and the cumulative cash advance of 6 months shall not exceed the equivalent of 1 ,000 USD.

Some banks may have some free policies for platinum cards. Please consult the bank for details.

Credit card withdrawal fee (Guangfa Bank):

1. Cash withdrawal interest: overdraft cash withdrawal does not enjoy interest-free period. From the date of cash withdrawal, the service fee and principal shall be charged with interest at the rate of 0.5 ‰ per day until they are paid off, with a minimum of ￥1$1.

2. Handling fee: 2.5% of the principal is charged for domestic overdraft withdrawal, with a minimum of RMB10/transaction, and handling fee is exempted for self-owned deposits/platinum cards (except Shang Zhen/Xiangzhen/Zunyue Platinum Card);

Overseas (including Hong Kong, Macao and Taiwan) income is calculated at 3% of the principal, with a minimum of ￥ 15/$ 3.

Note: There is no extra charge for inter-bank cash withdrawal.

In Chinese mainland, the handling fee and interest for overdraft withdrawal of Guangfa Credit Card are as follows:

Handling fee = withdrawal principal ×2.5% (minimum handling fee is 65,438 yuan+00);

Daily interest = (principal and handling fee) ×0.0005. Interest will be charged from the date of overdraft until the repayment is received. The minimum monthly fee is 1 RMB.

The ATM can withdraw cash 15 times a day at most, and the accumulated "overdraft cash withdrawal" amount is 5,000 yuan (2,000 yuan in Shanghai) every day. If it exceeds this amount, please bring the original ID card and card to our branch to withdraw money.

When spending, spend on the second day of the accounting day.

You can enjoy an interest-free repayment period of 50-56 days. 56 days for Bank of Communications, 50 days for other banks and 48 days for attracting investment.

Pay in installments.

Credit card installment payment of Guangfa Bank:

Installment consumption by banks: refers to the cardholder's application for repayment of principal and handling fee by installments from the time of consumption to the current billing date (inclusive) in a single RMB transaction in 500 yuan (inclusive), subject to the audit results. You can freely choose 6/ 12/ 18/24 installments (monthly 1 installment), and the handling fee for each installment is only 0.7%/0.7%/0.72% of the transaction principal, and it will be deducted by installments.

Bill installment: refers to the period from the day after the bill date to two days before the final repayment date, the cardholder can apply to repay the current bill arrears by installment (6/ 12/ 18/24), and the corresponding handling fee for each installment is only 0.7%/0.7%/0.72%/0.72% of the transaction principal, which will be deducted by installments. The result and processing amount will be paid by the bank.

Financial wisdom fund is an innovative financial management service for credit card holders. You can apply for an additional cash advance of RMB 65,438+0, which can be used freely and flexibly, and you can easily repay it in 6/65,438+02/65,438+08/24 months. Only 0.75% of the principal fee is required for each installment, which can be returned to the credit card at the time of application according to the monthly bill. The approved amount/result is to be reviewed.

Note: The application amount is an integer multiple of 1000, and from 2000 yuan, the money will be transferred to the current savings account of a domestic bank in my name. Deduct the transfer fee from the credit card at our bank 10 yuan/transaction and cross-bank 20 yuan/transaction.

Credit card installment payment of China Merchants Bank:

Paid bills can be divided into the shortest 2 periods and the longest 24 periods; Unpaid bills can be divided into the shortest 2 periods and the longest 12 period; The first stage lasts for one month. The bill installment fee is included in the monthly bill for installment repayment, and the fee for each installment = total installment amount × rate. The rate for Phase 2 is 1.0%/ period; The third installment rate is 0.9%/ period; The interest rate for the sixth period is 0.75%/ period; 10 installment rate is 0.7%/ period; 12 installment rate is 0.66%/ period; 18 installment rate is 0.68%/ period; The rate for the 24th installment is 0.68%/ installment.

At present, the number of cash installments is divided into 3 installments, 6 installments, 10 installment, 12 installment, 18 installment, and 24 installments, and the commission rate of each installment is 0.95%, 0.80%, 0.75%, 0.75%, and 0.75% respectively.

Warm reminder: handling cash installment business does not charge advance cash handling fee and advance cash interest.

Zunshang Platinum Staging Card is charged monthly. At present, during the preferential period of listing, the rate of each issue is 0.85% for three issues, 0.7% for six issues, 0.65% for 10, 0.6 1% for 12, 0.63% for 18 and 0.63% for 24 issues.

Note: The standard service fee rate of China Merchants Bank's automobile installment business was 65438+5.5% in 2002, 10.5% in 2004 and 14.5% in 36 years. At present, there are a number of best-selling models, and the installment fee is 0. Please refer to the homepage information of the website.

As long as you are willing to bear the interest, you can set up credit card bills of two banks to repay each other:

Example: Use China Merchants Bank Card and Bank of Communications Card to repay each other. The minimum repayment date of Bank of Communications is 25 days after the bill date and 18 days after the bill date. ? You can fix the billing date of Bank A, calculate the final repayment date A, and then change the billing date of Bank B to "two days before the final repayment date of Bank A (a-2)".

According to the current billing date of China Merchants Bank, they are 03, 05, 06, 07, 09, 10, 12, 15, 16, 17, 18 respectively. We can fix the billing date of China Merchants Bank A as 03A, calculate the final repayment date as 2 1, and then change the billing date of Bank of Communications B to two days before 2 1 (19).

If you use China Merchants Bank's card on October 4th, 20 15, you need to pay the bill on October 3rd, 20 1 165438. Since the billing date of Bank of Communications is 19, the billing will not be issued until next month19 (February 20 15 19). The cash withdrawal from China Merchants Bank can be used to pay back the flow of 25 days after the bill (about 20 15 1.04).

This requires the interest of two banks:

For example, on October 4th, 20 15/kloc-0, the card of China Merchants Bank was used to spend 1000 yuan. 1October 3rd 20 1 165438 After the bill is issued, it needs to be consumed110 yuan.

In the first stage, China Merchants Bank * * paid 48 * 0.05% *1000 = the total interest of 24 yuan after 48 days. Since the billing date of Bank of Communications is 19, the billing will not be issued until next month19 (February 20 15 19). In the second stage, the Bank of Communications pays 55*0.05%* 1000=27.5 yuan of total interest after 55 days. In the third stage, China Merchants Bank withdrew cash from 2065438+65438+14 in 2005 to 2018 * 0.05% *1000 = 9 yuan on the next billing date.

Pay the interest of the two banks in three installments: 24+28+9=64 yuan. Enjoy the repayment period: February 3, 20 15-February 2065438+October 4, 2005 10, totaling about 120 days. Free cash withdrawal with China Merchants Bank Weibo Daren Card.

If you are a tall and outstanding person, it is recommended to apply for a platinum credit card.

Benefits of Platinum Credit Card (Take Guangfa Platinum Credit Card as an example):

With GDB Platinum Credit Card, you can enjoy high-speed rail VIP room (currently not provided by other banks), airport VIP room and other value-added services:

Green channel for medical treatment: you can enjoy VIP appointment registration service and medical guidance service three times a year in major cities in China free of charge, and give priority to the appointment of designated time and experts, accompanied by experienced guidance personnel to help complete the work of paying fees and taking medicines, so as to see a doctor easily.

Business VIP courtesy:

● Intimate VIP courtesy, quiet and comfortable exclusive space and convenient green passage.

1). airport VIP courtesy: exclusive lounge, agency procedures, boarding reminder, long-distance ferry, etc.

2). High-speed rail VIP courtesy: convenient location, close to the ticket gate, escorted by special personnel, priority boarding.

● You can enjoy the privileges of Guangfa's exclusive airport and high-speed rail VIP room unlimited times without making an appointment.

Free Longteng Card, 6 times (6 o'clock)/year Longteng Airport VIP lounge and 4 times (2 o'clock)/year Longteng high-speed rail VIP courtesy. Only 150 yuan/minute will be charged if the bonus points are exceeded.

Covering more than 200 major cities at home and abroad, such as Beijing, Shanghai, Guangzhou, Shenzhen, Hongkong, Tokyo and new york.

Tips:

1). VIP courtesy of the airport and high-speed rail is for personal use only. If you can take it with you, you need to pay: the escort fee for Guangfa exclusive airport/high-speed rail VIP room is subject to the quotation published on the spot; Longteng Airport/high-speed rail VIP room charge 150 yuan/point.

2) Due to the different conditions of VIP rooms in different places, the service items, service facilities and service processes that can be provided are also different. Please refer to the local actual service for details.

Multi-point gift (exclusive to Platinum Card): You can enjoy 3 times of points accumulation when spending on business trips or overseas merchants with Guangfa Platinum Credit Card? .

High travel accident insurance: 5 million yuan travel accident insurance is included with the card, which can also benefit family members of the same company, so that Guangfa Platinum Credit Card holders can enjoy intimate protection in every trip with their families.

Emergency call service? If GDB Platinum Credit Card holders need a temporary car for business trip or holiday, just call the service hotline, and Guangfa Bank will arrange a special car for GDB Platinum Credit Card holders to use, and the price is exclusive.

Global preferential merchants? : VIP treatment of global preferential merchants, enjoying exclusive treatment and discounts of top merchants such as five-star hotels, high-end restaurants and luxury brands.

Global Travel Support Service: When GDB Platinum Credit Card holders encounter difficulties during travel or business trip, they can call the 24-hour global emergency support service hotline at any time and enjoy a number of emergency support services, including: emergency card replacement, emergency cash advance, translation service, luggage loss assistance service, etc.

International personal assistant? When GDB Platinum Credit Card holders or their families are abroad, GDB Platinum Credit Card holders can call the 24-hour Platinum Service Line at any time to provide intimate services such as restaurant reservation, hotel reservation and medical treatment as required.

Vip service line? : 24-hour VIP line service, with exclusive secretarial services provided by experienced service experts.

Exclusive fee reduction? GDB Platinum Credit Card holders can enjoy a number of fee reductions, such as domestic consumption list reading fee, overseas payment voucher reading fee, and over-limit fee.

Counter priority service? : GDB Platinum Credit Card holders can enjoy VIP priority service at the outlets where Guangfa Bank opens VIP service windows, and give priority to various businesses.

Integral mall commodity exchange discount? GDB Platinum Credit Card holders can enjoy a 15% discount on all goods in integral mall Platinum Zone of Guangfa Bank, which will make GDB Platinum Credit Card holders' points appreciate faster.

Automatic RMB settlement for global transactions? : The function of "RMB World Link" is automatically opened for GDB Platinum Credit Card holders, and all overseas international transactions are automatically converted into RMB transactions, which can be repaid directly in RMB through RMB repayment channels, saving GDB Platinum Credit Card holders the procedures and fees for purchasing foreign exchange.

Free transaction security guard: GDB platinum credit card holders use the card to escort security. When the cardholder's card is lost, stolen, forged or the card information is leaked, Guangfa Bank will provide compensation protection regardless of whether it is paid by password. There is also a free transaction reminder message, so that Guangfa Platinum Credit Card holders can keep track of account changes at any time.

Owner-specific Platinum Credit Card Service:

Refueling cash back is under control: you can enjoy generous cash back by swiping your card to refuel. The monthly refund ratio of the amount below 1 000 yuan (inclusive) is 10%, 1 006,5438+0 yuan to 2000 yuan (inclusive) is 3% and 200/kloc. Up to 1560 yuan per year!

Road rescue is speeding? Enjoy unlimited road rescue throughout the year, free rescue services such as trailer, oil delivery and quick repair within 100 km, and provide free local accommodation arrangement or scooter transfer service when necessary.

Is it safe and considerate to drive after drinking? : GDB credit card drunk driving service is newly upgraded, login.

Download the e-driver client, register with your mobile phone number and make an appointment easily. E road is safe and considerate, and you can enjoy six free drunk driving services a year.

High insurance is safe and worry-free? : the driver's personal safety accident insurance with a maximum of 500,000 yuan is attached with the card, which is exclusive and intimate.

Exclusive service of Platinum Credit Card for business travel:

Business VIP courtesy

● Intimate VIP courtesy, quiet and comfortable exclusive space and convenient green passage.

1). airport VIP courtesy: exclusive lounge, agency procedures, boarding reminder, long-distance ferry, etc.

2). High-speed rail VIP courtesy: convenient location, close to the ticket gate, escorted by special personnel, priority boarding.

● You can enjoy the privileges of Guangfa's exclusive airport and high-speed rail VIP room unlimited times without making an appointment.

Free Longteng card, unlimited free access to Longteng Airport and VIP privileges of high-speed rail.

Covering more than 200 major cities at home and abroad, such as Beijing, Shanghai, Guangzhou, Shenzhen, Hongkong, Tokyo and new york.

Tips:

1). VIP courtesy of the airport and high-speed rail is for personal use only. If you can take it with you, you need to pay: the escort fee for Guangfa exclusive airport/high-speed rail VIP room is subject to the quotation published on the spot; Longteng Airport/high-speed rail VIP room charge 150 yuan/point.

2) Due to the different conditions of VIP rooms in different places, the service items, service facilities and service processes that can be provided are also different. Please refer to the local actual service for details.

More consumption appreciation: enjoy rich consumption feedback and accumulate points faster. Redeem your favorite gift. Domestic consumption enjoys 2 times points, and consumption abroad enjoys 5 times points. (From February, 2065438+2003 1 day, the upper limit of multiple points in the monthly points of business travel platinum card is adjusted to 1 10,000, and the excess part does not enjoy multiple points. )

Mileage redemption and overflight enjoyment: the consumption points of Guangfa Platinum Credit Card holders can be redeemed for miles of many airlines, and every 20 points can enjoy the exclusive discount of 1 mileage.

Golf Platinum Credit Card Exclusive Service

Free green playing: A number of golf courses in China are selected, and Guangfa Platinum Credit Card holders can enjoy free green playing service during unlimited holidays, so that Guangfa Platinum Credit Card holders can release their pressure, swing freely in the sunshine, green grass, beach and forest, and enjoy a carefree life!

Free practice time is wonderful? Select many high-quality golf driving ranges in Beijing, Shanghai, Guangzhou, Shenzhen, Hangzhou and other cities, enjoy free golf practice services during unlimited holidays, and enjoy a happy golf life with your partner.

Wonderful events, elites gathered? : GDB Platinum Credit Card Customer Golf Tournament is held irregularly. GDB Platinum Credit Card holders can sign up for the competition and get to know more elites.

Preferential booking status symbol: Enjoy domestic and international golf club booking service, enjoy VIP discount and preferential treatment.

For specific service details, please call 95508 or refer to the user manual.

Within the scope permitted by law, Guangfa Bank can adjust the specific service contents and detailed rules according to the provisions of national laws and regulations and the actual situation.

When not using the credit card, cancel the credit card:

1. Telephone card cancellation: the cardholder can call customer service to apply;

2. Selling cards at outlets: Some banks allow cardholders to bring their ID cards and credit cards to any local outlets to sell cards. After completing the application form for account cancellation, the bank will report a copy of the cardholder's ID card and the completed application form for account cancellation to the head office. After a period of time, the cardholder can call to check whether his credit card has been cancelled.

3. Selling cards at designated places: A few banks need to sell cards at designated places.

Precautions for the safe use of credit cards:

1, set the password.

At present, many bank credit cards provide password functions, including query password and consumption password. After setting the password, you need to enter the correct password to complete the transaction when you use the credit card. Pay attention to the password setting, don't use birthday, house number, phone number, etc.

2. Signature confirmation

When swiping a card, we need to confirm the transaction amount entered by the seller on the pos machine. After the transaction is completed, we need to carefully check the transaction information on the printed list and sign the document after confirming it is correct. Without a signed consumption record, we don't have to bear the loss.

3. Pay attention to the card environment.

It's not that informal businesses use credit cards to spend money. After the transaction is successful, be careful not to have a list of all card numbers. If there is a password, you need to cover it by hand before entering it (because there is a camera above the credit card settlement) to prevent the password from being leaked.

4. Protect the security code CVV2.

The security code is the three digits behind the credit card, which is very important for the credit card issuer to use in verification, just like the password, please pay attention! If necessary, you can cover it with a piece of paper.

5. Don't let others swipe their cards.

This situation is more common in restaurants. When many friends pay the bill after dinner, they are used to giving their credit cards to the waiter, which is very unsafe. The magnetic stripe of a credit card can be easily copied. In case the track information is stolen by other machines, your credit card is at risk of being stolen.

6. Don't put your credit card ID cards together.

Many friends like to put their credit card ID cards in the same wallet, which is also risky. If you lose your wallet and take your ID card with your credit card, he can pretend to be you and do what you, the cardholder, can do, with serious consequences.

7. Report the loss of the card in time and call the banking service hotline.

Call the customer service hotline of the bank in time after the card is lost, so you need to remember the hotline of the bank that opened the card. Many banks offer a 48-hour exemption system before reporting the loss of credit cards, that is, credit cards are swiped within 48 hours before reporting the loss. After the bank confirms that the signature information is not the cardholder's own transaction, the bank will bear this part of the loss.

But please note that the bank here should check that the signature of the transaction document is not the cardholder himself; And the premise is not through password/online shopping consumption, avoid by all means!

In any case, after the card is found lost, it needs to be reported in time to reduce the possibility of being stolen.

8. Set up SMS

Almost all of them provide short message service, some are free and some are charged. By binding SMS, credit card consumption has long been known. Moreover, some banks provide the service of sending dynamic check codes to customers' mobile phones, and the cardholder can only complete the transaction after confirmation!

Consequences of non-return of credit cards:

Overdue for more than three months or bank reminders for more than two times;

The bank will freeze your card, list you as a prohibited customer (blacklist), and will also sue you for credit card fraud and malicious overdraft, which will be enforced by the court. If you refuse to repay the loan after prosecution, and the debt exceeds 10000, the court will punish you for the crime of credit card fraud according to Article 196 of the Criminal Law:

Article 196 of the Criminal Law stipulates that in any of the following circumstances, if a large amount of credit card fraud is committed, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan shall be imposed; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft.

Malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Malicious overdraft is the main risk form in credit card business and a part of credit card fraud.