The following is related knowledge about using credit cards, please refer to:
Benefits of using credit cards.
You can enjoy an interest-free repayment period of 20-56 days by using a credit card (you can enjoy an interest-free repayment period of 50-56 days on the second day of the billing date). 56 days for Bank of Communications, 50 days for other banks and 48 days for investment promotion).
Credit card consumption can also be exchanged for goods, air miles and so on.
There is no such thing as cross-bank and off-site consumption of credit cards, which is the same in the whole country.
Buying a plane ticket with a credit card can enjoy aviation accident insurance ranging from 2 million to 5 million.
If you apply for a platinum credit card, there are more discounts. (If you apply for the Platinum Credit Card of China Guangfa Bank, you can enjoy free high-speed rail VIP room, unlimited use of global airport VIP room, unlimited use of Longteng card and 5 million aviation accident insurance, etc. ).
If the credit card is used in consumption abroad, some banks can also waive the currency exchange fee if it is a VISA or MasterCard dual-label card.
If the credit card is activated, an annual fee will be charged if it is not used, and the credit card that has not been opened can be cancelled. Generally, it will not generate any fees, nor will it affect personal credit (except for some types of cards, such as some platinum cards, which will be charged even if they are not opened). If you do not want to use your credit card, please cancel it.
Credit card cancellation method:
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.
How to increase the quota?
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 wholesale and large-scale consumption such as buying houses and cars, 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.
Credit card identification:
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.
Credit card installment (taking two banks as examples):
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 transaction of RMB above 500 yuan, 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.
Credit card withdrawal:
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.
Benefits of Platinum Card (Take Guangfa 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 of travel accident insurance is attached with the card, which can also benefit your family, so that you and your family can enjoy intimate protection every time you travel.
Self-service installment exclusive three-phase fee discount: within one year from the date of issuing the card, you can enjoy three-phase fee reduction through self-service channels such as mobile banking, online banking, voice system, SMS and WeChat banking. (Click to view details, various bills, installment financing funds)
Note: the time of self-service staging should be before 20 15 12 3 1.
Emergency call service? If you are in urgent need of a car for business or holiday, just call the service hotline, and we will arrange a car for you, and you can enjoy a preferential price.
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 you encounter difficulties when traveling or on business, you 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 you or your family are abroad, you can call the 24-hour platinum service hotline at any time to provide intimate services such as restaurant reservation, hotel reservation and medical treatment according to your needs.
Vip service line? : 24-hour VIP line service, with exclusive secretarial services provided by experienced service experts.
Exclusive fee reduction? : you can enjoy a number of fee reductions, such as the domestic fee for reading the consumption list, the fee for reading the payment voucher abroad, and the over-limit fee.
Counter priority service? : You can enjoy VIP priority service at the branch where Guangfa Bank opens VIP service window, and give priority to all business.
Integral mall commodity exchange discount? All goods in integral mall Platinum Zone of Guangfa Bank can enjoy a 15% discount, which will make your points appreciate faster.
Automatic RMB settlement for global transactions? : The function of "RMB World Link" will be automatically opened for you, and all overseas international transactions will be automatically converted into RMB transactions. You only need to repay in RMB directly through the RMB repayment channel, saving you the procedures and expenses for purchasing foreign exchange.
Free trade security: You can use your card to protect your own security. When your card is lost, stolen, forged or the card information is leaked, we will provide compensation guarantee whether it is paid by password or not. There is also a free transaction reminder message to keep you abreast of changes in your account.
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? : Guangfa Credit Card drunk driving service is newly upgraded. Log in and download the e-driver client, and register your mobile phone number to make a reservation easily. E road is safe and considerate, and you can enjoy six free drunk driving services throughout the 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: Your consumption points can be redeemed for multiple airline miles, and you can enjoy the exclusive discount of redemption 1 mileage for every 20 points.
Golf Platinum Credit Card Exclusive Service
Free green playing: select many golf courses in China and enjoy free green playing service during unlimited holidays, so that you can release your pressure, swing freely in the sun, green grass, beach and forest and enjoy a comfortable 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 will be held from time to time. You can sign up for tournaments 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. ?
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.
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.
Credit card fraud means:
Fake official bank number+phishing website.
Under normal circumstances, consumers trust the official customer service hotline of the bank starting with "95XXX". After receiving such a number, most people will reduce or even completely lose their vigilance. Generally speaking, fraudsters will use the number changer to change the telephone number to the official customer service hotline of the bank, and use the pseudo base station technology to push short messages with false links to the bank official website under the guise of "system maintenance, password change", "a shopping mall spends a lot of money" and "redemption of points for gifts". Once the user clicks on the phishing website link in the short message, it is likely to reveal key information such as user name, card number and password, resulting in the theft of credit cards.
The majority of cardholders should pay special attention to whether the website provided by SMS or telephone is consistent with the website domain name published by the bank; Many website domain names will have more letters or fewer letters and more suffixes or prefixes. If you can't judge, it is recommended to call the official customer service hotline of the issuing bank for confirmation, and don't be confused by the illusion.
Free gifts are not credible, beware of "pie falling from the sky"
Recently, many consumers complained, and most of them received calls from the official numbers of major banks. The phone said that if you are selected as one of the lucky users, you can get gifts such as "3D glasses" and "high-priced gift package with WIFI" from the bank credit card center. The equipment is free, but the logistics fee and inspection fee need to be more than 190 yuan, and the package will also be accompanied by a telephone recharge card from 200 yuan. If necessary, you need to provide information such as the receiving address.
As telephone number fraud emerges one after another, cardholders should keep a clear head when receiving such calls, and may wish to call the official number in time to verify after hanging up. At the same time, users can query and identify the preferential activities and value-added service information of banks through official website. Be wary of "pie falling from the sky", and don't be greedy and cheap to prevent being deceived.
It is not "kind" to help you lift your forehead.
According to statistics, fraud based on credit card withdrawal also accounts for a considerable proportion. Credit card experts said that if there is a "bank customer service" phone, the caller will take the initiative to help the cardholder increase the credit card limit. Don't be too happy, the other end of the phone is probably a liar.
Generally, this so-called "bank customer service" will help cardholders to increase the credit card limit by ensuring that the user's credit card consumption meets the requirements of increasing the credit card limit. During the phone call, they will ask for information such as card number, verification code, verification code on the back, or let customers log in to the fake website provided by them to enter relevant information, thus successfully defrauding the stolen brush.
"Under any circumstances, the service personnel of banks or credit card institutions will not ask customers for passwords or card numbers by phone or SMS. Once the other party makes such a request, it can be judged as fraudulent information. " Bank of Communications credit card experts said.
Online shopping "refund".
Online shopping has become an indispensable part of people's daily life, and scammers have also introduced new fraud methods in this field. Fraudsters use consumers' real shopping information to act as "refund" for customer service staff, and then lure consumers into phishing websites, which is also a popular scam recently.
Consumer Ms. Yang has encountered such a scam. Ms. Yang likes shopping online. One day, she bought a coat on the website. Just then, she received a phone call from the "shopkeeper", saying that the goods were out of stock, and she needed to provide credit card number, expiration date, check code on the back of the card and other information to get a refund. Ms. Yang believed it, so she provided information about the credit card. She didn't know that she had fallen into the trap of a liar until she received a short message from the bank, but it was too late and her credit card had been stolen.
While immersed in the convenience of online shopping, please be alert to strange customer service calls, cloned websites, strange website links, etc. Never disclose your bank card number, password, ID card, check code and other core data.
Peeping at the victim's personal information.
Some customers do not have a strong sense of personal information protection when handling banking business, so some scammers use their super memory to write down the victim's credit card number, the last three yards of the signature column (CVV2), ID number, name and bank card password, and then forge the victim's ID card to open online banking in the bank, and take the victim's deposit as their own.
Fraud in the name of payment.
After the swindler tried his best to find some company information, he called and pretended to pay part of the deposit before placing the order, so that the financial staff could check it in time. A day or two later, the swindler asked if he had received the payment. When the financial staff does not receive the answer, the liar will provide a so-called bank phone number for the financial staff to verify by phone. After the automatic answering phone is connected, you will be reminded to enter your account number and password. After the scammer obtains the account number and password, he will immediately forge an ID card to withdraw money from the bank.
Call for the password.
The swindler lied that your credit card was stolen and the suspect has been arrested. Ask the deceived person to report the card number, ID number and the last three codes to the bank staff to prevent the credit card from being frozen. When you tell the liar the relevant information, the amount on the credit card will be stolen (as long as you know the ID number, credit card number and the last three digits of the credit card signature column (CVV2), you can steal the credit card online).
Yellow net "Trojan Horse", download players and other software.
Many curious people like crazy pornographic websites, and when they click to watch, they are prompted to install a player. When the victim clicks download. Trojan horse software set by criminals in advance will be automatically downloaded and installed in the victim's mobile phone, so as to intercept and control the short messages of the victim's mobile phone, and let criminals inadvertently steal the bank verification short messages sent to the cardholder's credit card-bound mobile phone.