What card do you have? Please talk about the advantages and disadvantages of credit card consumption.

With credit cards, the following are the disadvantages of credit cards.

1, credit card consumption: that is, credit card consumption through POS machines. Among them, credit card magnetic stripe card and chip card correspond to two consumption modes: card insertion and card swiping respectively. At present, many banks are not very friendly to credit card consumption. Now they only recognize UnionPay POS machines, and POS machine transactions paid by third parties are not counted as points. Frequent use risks being degraded and banned.

2. Online payment: that is, binding credit card consumption on third-party payment platforms, such as Alipay, WeChat, JD Finance and Meituan. After the big change in points, many banks prefer to pay online. In the past, there were few points for online payment. Now, in turn, many offline payment businesses do not count as points, but most of them have points.

3. Flash payment transaction: it can also be regarded as credit card consumption, but different from the traditional credit card method, it mainly adopts non-payment payment. Without a card, the cardholder only needs to jump out of the payment interface with the mobile phone bound by the credit card and put the mobile phone near the flash payment POS machine. If the single payment does not exceed 1000 yuan, you can directly skip the password to pay, and most of them also have points.