How to use a credit card?

Question 1: How to use a credit card? Four misunderstandings in the use of credit cards should be elaborated.

First, free card "do not do it for nothing" Now some credit cards take annual fee concessions, card opening gifts and other promotional activities. After I got promotional gifts, I forgot about it, and the card was nowhere to be found. Unlike debit cards, credit cards can be directly debited by banks. If there is no balance in the card, it will be considered as overdraft consumption. After the interest-free period, the money will bear interest at the annual rate of 18%.

Second, it is very convenient to change RMB into foreign currency. Nowadays, dual-currency credit cards are more popular, and many people take a fancy to the convenience of "foreign currency consumption and RMB repayment". In fact, there are great differences among banks in the service of purchasing foreign exchange for repayment. Some banks only accept foreign exchange purchases over the counter, and cardholders must go to bank outlets to purchase foreign exchange. Some banks can provide telephone foreign exchange purchase service: deposit the full amount of RMB first, and then call the bank to handle it. However, if you forget to notify the card when it expires, even if there is a full amount of RMB in the card, it cannot be used to repay the foreign currency overdraft.

Third, withdrawing cash from banks and issuing credit cards similar to debit cards is mainly to make customers spend more and earn commissions. Therefore, the common practice of credit cards is to pay a high handling fee for cross-bank and off-site collection.

Fourth, prepayment is very safe. Some people think it's too much trouble to repay each month, so they simply put a large sum of money in advance and let the bank deduct it slowly. This practice is unacceptable. First of all, the money in the credit card is interest-free, which means that you give the bank an "interest-free deposit". One more thing: some banks stipulate that cash withdrawal by credit card, whether it is an overdraft limit or not, must pay a cash withdrawal fee.

Safe use of credit cards

1. Don't operate at dim ATMs on the roadside. Criminals often take advantage of the negligence of cardholders to wait for an opportunity to start, and the lighting problem often makes it difficult for us to find malicious traps in places such as keyboards.

2. Pay attention to the signature check on the back of the credit card. When the credit card is accidentally lost, the signature verification and password on the consumption voucher constitute the "double insurance" of the security card.

3. Try to block the password with your left hand when swiping the card.

4. Keep the credit card voucher information properly. Information that cannot be printed should be completed through inquiry as far as possible. When printing is really necessary, you should also keep the voucher properly, and you should not tear up or discard the relevant information of your personal credit card in public.

5. Don't trade on the computer of Internet cafes or units.

6. Set the maximum consumption limit for credit cards. In order to avoid potential risks in the process of consumption, you should usually set up a timely reminder function for your credit card. When each consumption exceeds a certain amount, you will immediately receive a reminder message for inspection.

7. Be wary of online registration and don't disclose personal information at will. Be wary of websites that need to provide important contents such as personal credit card information when registering users, and try not to trade on websites that lack credibility.

Question 2: How to use the credit card "card for card"? I work in dingxing credit card center. I can tell you that this can only solve your financial problems temporarily. To put it bluntly, temporary turnover is ok, but it will not work after a long time!

Suppose you have more than one bank credit card, you can really rob Peter to pay Paul, but don't forget that the handling fee for withdrawing cash and the daily interest of 0.5% (monthly compound interest) are all borne by yourself. The interest rate of credit card is 18.25%, which is higher than mortgage and interest rate!

Hehe, of course, you can do this as long as you can afford the interest, but I advise you that the interest will snowball and mind your own business.

Question 3: How to skillfully use three credit cards for turnover, because now the credit card can't repay the money of the credit card.

That is, if you transfer money by credit card, you must transfer the money in the credit card to cash and then return it to other bank credit cards. Basically, it is equivalent to illegal cashing, but there is also a handling fee for cashing, and the cheapest one is 1%. Although you can use the interest-free period of 20-56 days, in the long run, you have to pay a large monthly renewal fee for going back and forth. In addition, banks have a strict monitoring system. If you cash back and forth, your credit card may be frozen, which may not be worth the loss.

Question 4: How to use a credit card for my family? Just sign the card owner's name when you can. Credit card can be set as long as the password, but you should prevent the lost items from being stolen, and finally get SMS reminder. You can also apply for a supplementary card, that is, share the quota with your card. You can use your card and your family can use the supplementary card.

Question 5: How to use a credit card without paying interest? No interest and compensation will be charged if the card is fully repaid after consumption.

If the final repayment date stipulated by the bank is exceeded, a daily interest rate of 0.05% will be charged.

Interest-free period refers to the period from the consumption date to the final repayment date. Because you don't have a credit card yet, you can't help you calculate the final repayment date.

Then the final repayment date is generally about 20 days or 25 days after the statement date, which is related to bank regulations. After handling the credit card, you will know the date of the statement, and you can also ask the customer service for your final repayment date.

Question 6: How to use a credit card for the first time? When you receive your credit card for the first time and are ready to open it, please pay attention to the following points:

1. Card receipt check

1) When getting a new card, pay attention to check whether the seal of the new card letter and password envelope has been unsealed, damaged or re-bonded.

2) Check whether the credit card information, name, title and validity period are correct, and whether the English letter name on the front of the credit card is consistent with the contents filled in the application form.

2. Sign in in time

Immediately after receiving the card, sign the same name as the application form on the signature strip on the back of the credit card (of course, it should also be the same as the name on the identity document). Use this signature when you use the card in the future. Signature is an important link to ensure your safe and smooth use of the card.

Merchants and bank outlets will check your signature when accepting credit cards. Please make sure that the card signature is legible.

Change password

After receiving the card password letter, it is suggested to modify the initial password of the credit card as soon as possible to ensure the safety of the funds in the card (the password can be modified at the ATM or counter of the bank where the card belongs).

Question 7: How to make good use of the money in the credit card? For credit cards, I believe everyone is familiar!

As for credit cards, there are also different opinions, some advocate and some refuse!

For credit cards, Xiao Er thinks (claiming to be a clerk):

With the development of society, it is inevitable that the application of credit will be more and more extensive and play an increasingly important role in our lives. Although the current credit card is only a means used by banks to attract customers, it meets the public demand and social development trend. In the future, credit cards will contain more and more content!

Therefore, using credit is a good thing and cannot be refused!

But why do so many people reject him now?

Mainly because of this thing, it is great and convenient. I bought everything I didn't want to buy at first, but I didn't touch tangible RMB at that time, and I didn't feel like spending money, only it was cool and chic!

Because of this feeling, because there is no money or extra money in my pocket, I can still brush, so brush, brush, brush, and the bill is dumbfounded! But I can't stand this feeling next month, so I brush it again. . . .

So it is caused by extravagance and waste, so it is caused by spending money indiscriminately, so the repayment period is dumbfounded. . . So he became a slave! !

So we turned him down!

In fact, the key reason is that you are just a tool, just like a car. Sometimes you have an accident. Can you say you have a strange car? As long as everyone can spend rationally, credit cards are definitely a good thing. I'll tell you how I use them, what's wrong with them, or do you have any clever tricks? Then give some advice, Xiao er, thank you! !

In fact, you may also see many ways to use credit online, but it is very complicated. Let me use my own purpose to say:

First, open a card as a gift, and the gift makes money.

The competition is fierce now, so many people give gifts. Besides, if you don't activate it now, you don't have to pay. This is a good choice!

Some guests may ask, I don't need many gifts. What does that matter? Sell it on Taobao! !

Note: To avoid accidents, remember to return the unused extra cards even if they are not activated!

When you set up a booth on the roadside, you should pay attention to prevent it from being a black booth!

Of course, if you provide untrue information, that is an exception. You can ignore the above two points, but remember, I'm not teaching you to cheat, haha!

The second interest-free loan-make good use of the accounting date and repayment date.

This is the essence of credit card, so you must make good use of it. I won't elaborate on the billing date and repayment date here. You can find out by searching. I am here to analyze in detail how to use:

1, Taobao Shopping:

If the merchant provides a credit card, if you want to buy online, use a credit card if you can, especially after the account period. Wow, that was an excellent time!

2. Credit loan:

Of course not what I'm talking about here. Credit card If you can brush your credit reasonably, that's your skill, but now the supervision is very fierce, so pay special attention not to be deceived by malicious credit merchants!

I am talking about the law. If your credit card limit is 50,000 and you have two or even three cards, press two. Other principles are the same:

A billing date is 27, for example, the repayment date is 7 next month; For the other card, the billing date is 15, and the repayment date is 25th. If you spend on 27th ~ 14, you will get a great interest-free period if you use the first card and spend on the second card on15 ~ 26th.

Some big items such as mortgage can be swiped. Remember to ask if there is a handling fee for this kind of products. Although some say it can be staged, it actually contains some handling fees, which have been secretly added to you! !

3. Qian Shengqian-Investment:

Some people say that I don't spend much money and credit loans are useless to me! This is a big mistake. For example, if you just got married and need furniture, it will cost 50,000 yuan. You can swipe your card and invest all your money ... >>

Question 8: How to buy things online by credit card? Now it is safer to buy things through various trading platforms, such as Paipai and Taobao, all of which have their own payment methods. This can accumulate credit and make you buy things better and have a bigger discount in the future. I don't like to use credit cards directly online, because if the other party is not through formal channels, your password may be stolen.

One of the major uses of online banking is to improve the security of online banking passwords. It is recommended to use a USB flash drive to handle a professional online banking, because professional online banking needs a medium to reconfirm your identity, which is certainly safer than directly entering a password.

Question 9: How to pay by credit card Fast credit card payment is a brand-new payment method jointly launched by Alipay and major banks. As long as you have a bank card, you can pay at Alipay. When paying, you don't need to log in to online banking, but you can complete the payment with Alipay payment password and mobile phone verification code, providing double protection. The payer doesn't have to pay the handling fee.

1, new cashier's credit card fast payment operation process:

1) Click to use the new card.

2) Enter the bank card number and click Next.

3) Take China Merchants Bank as an example: Select Express Payment and click Next;

4) For the first time, please fill in relevant information according to the page prompts to confirm the opening. The second operation directly enters the Alipay payment password to complete the payment.

Reminder: When it was first opened, the mobile phone number filled in was reserved by the bank. If it is not correct, please click here to see how to modify it.

What should I do if I forget my payment password?

2, the old cashier credit card fast payment operation process:

When the cashier supports you, choose a credit card-the corresponding bank. Please fill in the relevant information according to the page prompts when confirming the opening for the first time. The second operation directly enters the Alipay payment password to complete the payment.

Reminder: When it was first opened, the mobile phone number filled in was reserved by the bank. If it is not correct, please click here to see how to modify it.