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The purpose of running a credit card is mainly consumption, so reasonable credit card consumption is the basis of using a credit card. The simplest behavior of credit card consumption is naturally to swipe the card through the POS machine at the entity merchant. The cashier presses the consumption amount on the POS machine. After confirmation, you swipe your credit card and cashier. Then you enter the password on the POS machine (there is no such step without setting the credit card password), then the POS machine issues the bill, and then you confirm the signature. The whole consumption process is over.

One thing to note here is the signing process. If someone's credit card doesn't have a credit card password, then signature is very important. There is a signature column on the back of the credit card. Generally, the card needs to be signed after opening, and the handwriting of this signature is also an important basis for the cashier to check whether the cardholder is the card owner. If others find that your card has been swiped, but the signature handwriting on the credit card is quite different from the reserved handwriting, the cashier has the right to verify the identity of the cardholder (such as asking for an ID card). Similarly, if your card is stolen and the signature is not yours, you can also ask the bank for compensation.

Do I have to swipe my card to enter my password, so do I have to enter my password everywhere? Some cards can be used overseas. On the front of the credit card, we sometimes see the signs of "Visa" and "Master", indicating that this kind of credit card can be used abroad. Now it seems that you can also use the credit card marked "UnionPay" (depending on whether the consumer merchants support it or not). Generally, you don't need to enter a password to swipe your card overseas. Cashiers usually check the signature, and sometimes the signature is an electronic signature written on a tablet with a stylus. However, because foreigners may not be familiar with Chinese signatures, they may ask you to show your passport and check whether the pinyin on your passport is consistent with the pinyin on the front of your credit card. Therefore, friends who want to travel overseas or have overseas travel plans can apply for a credit card with the logo of "Visa" or "Master" and bring their passports when swiping their cards overseas.

In addition to physical merchants who buy goods, they can also swipe their cards in hotel accommodation, restaurants and entertainment places. Hotels are usually required to pay a deposit when they check in. If you have a credit card, you don't have to pay cash. You can pre-authorize the hotel directly by credit card and cancel the pre-authorization when you check out. In some cities in Europe, you can also swipe your credit card while taking a taxi. Basically, there will be more and more places where credit cards can be swiped, and there will be more and more areas that support credit card consumption.

It is the most common way to swipe credit cards on the POS machines of physical merchants, and online consumption of credit cards is becoming more and more common and convenient. Take some e-commerce websites as examples. After registering an account, you can generally bind a credit card. After shopping in the e-commerce store, you can pay by credit card. As mentioned above, third-party payment platforms such as Alipay and WeChat wallet can also bind credit cards, so e-commerce companies that can pay through Alipay and WeChat wallet can swipe your credit card without having to input credit card information every time.

Nowadays, the mobile Internet is very developed, and food, clothing, housing, eating, drinking and having fun can be consumed through the mobile App. For example, you can use Didi for taxi, Taobao and JD.COM for online shopping, Meituan for group buying, and take-out when you are hungry. There are also many O2O service apps, such as door-to-door cleaning, cooking and home appliance repair. , you can do it on your mobile phone or pay by credit card.

Some websites need to enter some credit card information when paying by credit card, such as the validity period of the credit card (usually on the front of the credit card) and the security code of the credit card. This information is usually in the signature column on the back of the credit card, which is a 3-digit number. This security code is very important and cannot be disclosed to others, otherwise it is likely to be stolen online.

Using credit cards as much as possible has at least two advantages: first, you can enjoy an interest-free period, especially when buying some big items, you can use the money you would have to pay at that time to buy wealth management products for 30 to 40 days; Secondly, credit cards generate bills every month. If most purchases can be made by credit card, they will be recorded, which is also a natural account for those who are too lazy to keep accounts.

Usually, all kinds of credit cards of major banks have their own special advantages, so you need to know clearly before applying for a card. Some people use credit cards 10 yuan to watch movies, some people can enjoy 50% off food, some people can cash back their shopping in supermarkets, and there are various irregular activities. Don't spend for the sake of spending, but consider how to get the best deal before spending.

Some banks will also cooperate with some businesses, such as Suning and Gome. When buying home appliances, you can pay interest in installments without handling fees. In this case, we must decisively choose staging, so as to enjoy a longer interest-free period. There are also credit card websites of China Merchants Bank and Industrial and Commercial Bank of China that can enter the Apple Zone, and you can also buy Apple products in installments, free of handling fees and interest. If it is inconvenient for you to go to Hong Kong, you can also buy Apple electronic products with relatively high cost performance.

We should treat installment consumption differently. Generally speaking, installment is not recommended, mainly because the credit card installment fee is still relatively high. For example, the installment fee rate of China Merchants Bank 12 is 0.66% per month. Suppose 10000 yuan is paid in two installments, and the monthly fee is 66 yuan, totaling 792 yuan. So, it seems that the annual interest rate is 7.92%, which seems to be not much. However, you have to pay back 833.33 66 yuan every month, and you will find that the principal is decreasing every month, but the handling fee is still paid according to the limit of10,000 x 0.66%. Even if there is only 833.33 yuan left in the last month, you still have to pay 66 yuan's handling fee, and the interest rate will reach about 14%! Even if you repay the loan in advance, you have to pay the same handling fee. Can you think of any wealth management products that can exceed this interest rate? So generally don't pay by installment. Banks often advise you to pay by installments because they want to make money. If the installment of the wealth management products you buy cannot exceed the actual interest rate, try not to installment.

Sometimes banks will engage in some staging activities, such as discounts on handling fees, gifts, points and so on. You can think about it at this time, because if you don't make money for the bank at all, your credit card limit may gradually increase. Of course, the credit card limit is not as high as possible, because it will increase your debt ratio and sometimes even affect the loan. Under normal circumstances, the credit card limit can cover normal consumption or be cashed out.

The high temporary quota meets the individual's large consumption situation, so there is no need to deliberately pursue the increase of the quota.

Some people also brush out the credit card limit through some false consumption and turn it into cash, commonly known as "cashing out". Then use this cash to buy wealth management products, and return the credit card bill for recycling after the expiration. This is a risky practice, which will be monitored and reduced by banks, and even record bad credit, which is not worth the loss.

Usually, when you encounter reimbursement scenarios, such as company purchasing, purchasing comprehensive products, booking air tickets and hotels, and even paying the down payment for buying a house, you should actively swipe your card. If the amount is high enough, you can even pay a down payment, so that you can use the original funds to buy wealth management products to fully enjoy the benefits brought by the interest-free period. But some banks will lock your card when you suddenly spend a lot of money, or call you to verify whether it is your own consumption, which should be noted.

There are many consumption scenarios of credit cards. With the familiarity with credit card consumption, everyone will gradually form their own credit card habits. Reasonable use of credit card consumption is a very good financial behavior, but we should also do what we can, understand our repayment ability, don't buy unnecessary things indiscriminately, and adhere to the attitude of giving up high-quality life.

Related Questions and Answers: Related Questions and Answers: How to swipe a credit card? How to choose merchants for credit cards, and which merchants have better withdrawals? \r

If we want to judge which businesses are good at raising the amount from the choice of businesses, this approach is more one-sided! \r

First of all, you have to know the basic information of the third party! And the rules of the third-party payment platform of the pos machine you use. \r

For example: \r

1. Whether this area! (Jump to a different city) \r

2. whether to jump the business! (The printed purchase order is inconsistent with the billing merchant) \r

3. Do you want to jump the channel? (Is the big and small deduction channel an online rate or an offline rate? ）\r

4. Is it controlled by a certain line? (pos transaction or limit where bank card cannot be paid by this third party! ）\r

Why do you need to know about third-party payment? \r

1. Capital security: \r

Is the channel of pos machine regular? Unionpay authorizes the third party to pay the license to clear the machine to ensure the safety of funds! \r

Remarks: All subsidiaries of a payment company belong to Qing Er, and only payment companies with third-party payment licenses are legal. \r

From 2065438 to 2002, payment companies prevailed in Qing Er, and any company could rent a channel from a company with a payment license for the second liquidation (Qing Er), which led to many users being swept away after entering the account of Qing Er company. \r

At present, many "payment applications" operate in a similar way to the two clearing houses. Use the online payment authorization withholding agreement to deduct money from your card, and then transfer the money to the company account of "Paying app" and then to your card, and repeat the operation to pay off the bill. \r

Note: Remind card friends to be alert to the second reset (return the App): 1. High risk; 2. Channels with low comprehensive scores; \r

2. Do not skip code: \r

Only pos machines that don't skip codes and areas can make the card relatively safe; On the contrary, it will lead the bank to control the risk of the card, whether it is to cash out or steal it! \r

Note: once the bank controls the risk, it will take at least one to three years to maintain a good way to use the card before increasing the quota. \r

3. Comprehensive score: \r

It is very important to maintain interaction with banks and choose high-quality merchants and offline payment channels! If the contribution value in the bank is insufficient, the comprehensive score will drop! \r

What is contribution value? In the vernacular, it is whether you have made any money for the bank. \r

4. Payment channel: \r

Channels are divided into online and offline channels; (The channel is unknown, so the comprehensive score is different) \r

What is an offline payment channel: \r

The offline payment channel is the entity signing merchant. Before the fee reform, there were different rates: capping (16-88 yuan/pen), rate (0.38%- 1.25%), special unit: 0 rate; \r

After the fee reform: 0.38% for preferential merchants, 0.6% for normal merchants and 0 for special units; \r

Remarks: All merchants have an MCC code, and the rate and industry corresponding to each merchant category are clearly subdivided. \r

What is the online payment channel: \r

Our common online payment methods, such as Alipay and Tenpay (WeChat payment), have a rate of 0.38%; \r

Remarks: The comprehensive score in banks is low and the contribution value is insufficient, so most banks will not give extra points to online shopping. \r

Therefore, it is correct to choose high-quality merchants, but you must have a certain understanding of payment to choose the right merchants! \r

How to use the card well! Summarize the following three points: \r

1. Select the appropriate payment instrument; \r

2. Choose the right high-quality merchants; \r

3. Maintain good interaction with banks; \r