Scope of application of credit card

What are the benefits of credit cards?

Advantages of credit card: it can suspend economic pressure; Online consumption is convenient and fast; You can accumulate personal credit records. Using a credit card and repaying the loan on time can increase the credit limit.

This can save money. Many banks' credit cards cooperate with merchants. For example, there will be cash back discounts for swiping cards, and there will be discounts for eating, watching movies, shopping in supermarkets, refueling and car washing. In addition, credit card points can be exchanged for some gifts in daily life and even some lottery activities, and points can be used as money.

Suspend economic pressure. Sometimes it is urgent to use money and pay a large amount of consumption at one time, which will have certain economic pressure. If you have a credit card, you can use it to pay in installments and enjoy your favorite items in advance. The money left in hand can also be used for daily expenses and turnover.

Online consumption is convenient and fast. Many online shopping malls or Taobao shops have opened credit card payment methods, catering to consumers' psychology of spending with credit cards. Although credit card online consumption has no points, its convenient and fast payment method is liked by many people.

Accumulate personal credit records. Even if there is no big turnover demand, it usually costs money. If you use more credit cards and repay on time, you can improve your credit limit and credit rating. You will have a good credit record in the personal credit database of the People's Bank of China, and it will be much easier to approve loans to buy a house and a car in the future.

How to pay the telephone bill by credit card?

The use of credit cards can be said to have covered all aspects of life, whether online shopping, shopping in shopping malls, dining in restaurants, etc. As long as you have a pos machine, you can pay by credit card and even pay the phone bill. Let's share with you how to pay the phone bill by credit card.

There are three ways to pay by credit card, which are suitable for any calling card, such as telecom, mobile and China Unicom. Since the mobile card is used, let's take the mobile phone bill as an example to introduce it.

1, cash withdrawal by credit card is paid in cash.

This is the stupidest thing to do. Although credit cards can withdraw cash in addition to overdraft consumption, withdrawal is not free. In addition to the handling fee, interest will be calculated on a daily basis.

Therefore, it is very uneconomical to get cash by cash withdrawal and then pay the phone bill, which is not recommended.

2. Pay the phone bill by swiping the card in the business hall.

Some business halls have 3G experience halls or mobile self-service systems, which can be paid directly by swiping a credit card. However, this system is generally only available in business halls in urban areas. This method has great geographical limitations and is not suitable.

In addition, some large business halls will have pos machines. You can go to the counter to recharge manually, and then brush the pos machine directly when you pay.

3, online business hall or third-party platform payment.

China Mobile, China Telecom and China Unicom all have their own official website, and users can recharge their money in official website directly with their credit cards. The practice is to enter the mobile phone number and the amount to be recharged in the recharge business, and then choose a credit card to pay when paying, and follow the prompts.

In addition, you can also pay fees on third-party platforms such as WeChat and Alipay. The recharge method is also to enter the mobile phone number and recharge amount, and then choose a credit card to pay and recharge according to the prompt.

The above methods can be used flexibly according to the actual situation. If there are other good methods, welcome to share!

Where can I use my credit card?

Credit card refers to a payment method without cash transaction, and it is a consumer credit service provided by the issuing bank to cardholders.

All merchants with UnionPay, VISA or MasterCard logos can use credit cards for credit card spending, such as supermarkets, hospitals, shopping malls, restaurants and other places. In addition, places with pos machines can also use credit cards.

There is no charge for credit cards in China, Hong Kong and Macao, but the coverage of UnionPay credit cards in Europe and America is not high.

So if you want to travel abroad, you need to bring VISA credit card and MasterCard credit card.

It is worth mentioning that credit cards can not only be used for credit card consumption, but also for cash withdrawal, and the withdrawal amount is 30% or 50% of the credit line.

You only need to pay a certain fee and interest to withdraw cash. The fees charged by each bank are different, but the interest is calculated according to the daily interest rate of 0.05%.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

main feature

1. Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.

2. Credit card has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;

Credit card is a high-tech product integrating financial business and computer technology.

4. Credit cards can reduce the use of cash and currency;

5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

6. Credit cards can simplify the collection procedures and save social labor;

7. Credit cards can promote commodity sales and social needs.

Financial management strategy

1, control the number of credit cards, enough is enough.

Once there are too many credit cards, it is easy to get the repayment date of this card wrong and forget the credit limit of that card, which is difficult to manage, and it is easy to cause overdue repayment and leave a bad record. Moreover, multi-card credit card points, too scattered points are not conducive to redemption of gifts. Therefore, it is suggested that only 1~2 credit card is enough.

2. Keep credit card vouchers

Most credit card holders don't care about these documents, and they won't keep them. Most of them are thrown away, which is a very bad habit. In fact, keeping good credit card vouchers is not only convenient for summarizing consumption records every month, and then analyzing and optimizing consumption habits, but also helpful for improving the rationality and transparency of credit card consumption, so as to clearly understand credit cards. Moreover, many people's credit cards do not have passwords, and discarding credit card vouchers at will may lead to the theft of credit cards.

For safety reasons, it is best to keep credit card vouchers after consumption, so that you can know fairly well and develop good credit card financial habits.

3. Reduce cash withdrawals

Credit cards have two functions: overdraft and cash withdrawal, but cash withdrawal requires a certain percentage of handling fees, and even if you deposit your own money, you have to charge. So it is not cost-effective to use it or use it as a passbook.

What expenses can't credit cards be used for?

Credit cards shall not be used in non-consumption fields such as production, operation and investment. For example, credit cards are illegally cashed out for purchasing wealth management products, stock trading and buying funds. These are all investment fields, and credit cards cannot be used in investment fields. Once the bank detects that the user has violated the rules, the user may encounter credit card reduction and card closure.

Because the bank's risk control is strict, once the user violates the rules, it is very easy to be found.

Credit card is based on Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks: Credit card refers to various media that record the relevant information of the cardholder's account, have the function of bank credit line and overdraft, and provide relevant banking services for the cardholder.

The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, English translation and writing standards for public service.

Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit.

Credit cards generally refer to credit cards.

From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).

On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.

The difference between business cards and credit cards

The difference between a business card and a credit card is that:

1, serving different people. Issue business cards to enterprises and provide financial reimbursement, business expenses and other services; Credit cards are suitable for everyone and have a wide range.

2. Business cards have no secondary cards, while credit cards have secondary cards;

3. Business cards can choose individuals or companies as payors, while credit cards can only repay individuals;

4. The annual fee for business card is paid by the company, and the annual fee for credit card is paid by the individual.

Instructions for business card holders:

1. Credit card deposit

As for the mortgage card deposit (the face value includes the deposit of 10 yuan), you can spend it in a lump sum at a specially designated merchant. Once the deposit in the card is used for consumption, regardless of whether the deposit is consumed or not, the card will be recycled by the merchant; Do not damage it and keep the card surface clean. For bad and damaged cards, the company will not recycle or offset their consumption.

2. Card return and card replacement

For deposits with a card face value of 10 yuan, the cardholder can not only offset the consumption, but also go to the management center to go through the formalities of returning the card; Cardholders can register bad cards in the management center; It takes 10 working days to replace the new card; If the card surface is dirty and the chip is damaged due to improper storage by the user, the cardholder needs to pay for a new card. The card must be used within the validity period. For expired cards, the company charges 5 yuan/card information and system maintenance fee every month. This fee is directly deducted from the remaining face value and deposit of the expired card. The cardholder shall change the card at the management center and pay the service fee 10 yuan/card. The balance after deducting information and system maintenance fees will be injected into a new card, which will be valid for one year (from the date of card replacement).

3, fault card processing

Cardholders can change their cards at designated places; Cardholders can consult the card replacement location through the customer service phone on the back of the card. It takes 10 working days to replace the new card; If the card surface is dirty and the chip is damaged due to improper storage by the user, the cardholder needs to pay for a new card. (within the validity period)

4. Processing

A business card can be used to pay for the goods or services of its affiliated merchants. Disputes arising from the quality of goods or services shall be settled through consultation between the accepting merchants and cardholders. If the cardholder's interests are damaged due to the information management system, terminal, the quality of the business card, improper cashier operation, etc., the management center, the merchant and the cardholder can solve it through consultation.

Is the credit card universal in the whole country?

This is a common phenomenon. That's right.

However, there is no difference between off-site credit card consumption and local consumption, and there is no handling fee; It's hard to say that the withdrawal fee of each bank is different.

It is free to repay our credit card at bank counters all over the country. In other words, as long as you have a credit card, you can go anywhere in the country, and you don't have to spend a penny more on consumption and repayment (as long as you have the business outlets of your credit card issuer).

This concludes the introduction of the application scope and types of credit cards. I wonder if you have found the information you need?