Credit cards can be used in various consumption fields, such as shopping and eating in shopping malls. , as long as it can be used anywhere, it can also be bound to third-party payment, such as Alipay and WeChat. Moreover, credit card consumption enjoys an interest-free period, as long as it is repaid in full and on time according to the bill amount on the due repayment date, it enjoys an interest-free period.

How do I use my credit card?

First, physical store credit card consumption. Generally, all merchants marked with "UnionPay" and "VISA" support credit card consumption.

Second, bind Alipay or WeChat for consumption. When spending in shopping malls or other places, you can use Alipay or WeChat to pay.

Third, online consumption.

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, a legal person can also be an applicant.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.

Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.

After the applicant successfully applies for a credit card, the issuing bank will open a separate credit card account for the cardholder at the issuing bank for shopping, consumption and settlement after cash withdrawal.

Because the credit card application is approved by post, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened. Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements.

At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card.

How to use a credit card?

There are two ways to use a credit card:

1. When a credit card holder shops and dines in the online mall, as long as the merchant where the cardholder consumes has a pos machine, the cardholder can give the credit card to the mall staff, and then swipe the credit card to complete the consumption;

2. Credit cards can also be bound with payment software such as Alipay and WeChat, which can be paid when consumed.

Note: when the bank just issued the card, the cardholder needs to activate the credit card to use it. The cardholder can directly call the customer service number on the credit card, and then activate the credit card according to the voice prompt.

Credit cards have a cash withdrawal function, and customers can also withdraw cash. However, it should be noted that the withdrawal amount of some credit cards is only 50% of the credit line, so customers can only withdraw half of the credit line to use.

We also need to note that credit cards often have many benefits, such as high-speed rail, airport VIP room service, various restaurants, hotel discounts, afternoon tea service and so on. Credit card spending can also accumulate points, and then points can be used to exchange gifts, air miles and so on.

Of course, customers must remember to repay on time after spending by credit card to avoid overdue behavior. Otherwise, the credit card is likely to be frozen and cannot be used again.

What are the credit card payment methods?

At present, there are four payment methods of credit cards in the market: pos card payment, third-party binding payment, UnionPay express payment and mobile phone payment.

1, pos card payment

This traditional credit card consumption method can complete the payment by swiping the card through the pos machine and inputting the password and signature. This kind of payment is generally done through the UnionPay Center. At present, the hand brush machine on the market is also a traditional pos machine channel.

2. Third-party binding payment

This method is the most popular now, which binds the credit card to the third-party payment platform and completes the payment settlement by scanning the QR code. At present, WeChat, Alipay and other payment methods are widely used, and the third-party channels are taken.

3. UnionPay Express Payment

Unlike online payment, UnionPay Express Payment does not need to be bound to any platform. It only needs to enter new information such as credit card, account name, mobile phone number and security code on the payment page, and then send a dynamic password. If the input is correct, the payment can be made successfully. This is generally the UnionPay channel.

4. Mobile payment

At present, mobile payment is also a popular way. At present, Applepay, Huawei pay and Xiaomi pay all have them. Take Applepay as an example. First, the credit card is bound to the mobile phone. When users consume, they turn on the functions of mobile phone and China UnionPay Express, and induce payment at terminals such as POS machines through NFC.

This is the end of the introduction on how to use credit cards and how to use them to spend the most cost-effective. I wonder if you have found the information you need?