Credit cards, including quasi-credit cards and credit cards. There are mainly Jinsui Credit Card, which is issued by Agricultural Bank of China and gives cardholders a certain credit line. Cardholders can spend first and then repay within the credit limit, and enjoy interest-free credit payment tools for a certain period of time. It has the functions of consumer credit and cash advance.
Precautions for the use of bank cards:
Understand the limit of ATM withdrawal amount and times: Generally speaking, the issuing post office determines the cumulative withdrawal limit, the maximum single withdrawal amount or the daily withdrawal times of its bank card on the ATM under the basic regulations of the People's Bank of China. International cards will also have restrictions on the amount and number of withdrawals abroad. If you need a lot of cash urgently, please be prepared in advance:
In order to avoid the embarrassing scene that money can't be spit out.
Be careful when spending abroad: there are three columns on the bank card purchase list: basic consumption amount, tip and total amount. You can fill in the tip amount and the actual consumption amount in the "tip" column, add them up and fill in the "total amount" column, and then sign for confirmation. The total amount must be calculated correctly. Write one more zero, and the tip will be more. You must be reminded that when you swipe your card abroad, you should pay attention to the currency of the purchase order, such as 1000 yen, 100 1.
There is a difference of "108,000 Li" between dollars.
Signature spending card: When the cardholder's bank card is handed over to the merchant cashier, try to keep the card within your sight and pay attention to the number of times the cashier swipes the card. Please pay attention to whether there are two copies of the purchase order, carefully check whether there is any error in the amount and currency on the purchase order, and try to match the signature style on the back of the card.
Abnormal transaction handling: As long as POS documents are not printed successfully during credit card consumption, the transaction is considered unsuccessful, but it does not include paper jam and paper shortage. When the transaction is unsuccessful, you can check the card status and account balance to confirm whether the card status is normal and whether the unsuccessful consumption amount is recorded. If the card status is abnormal, the reason should be inquired; If the consumption amount has been recorded, you can ask the bank to assist in the inquiry and recall the unsuccessful consumption amount.
How to change or stop the card: When you ask the bank to change the card because the magnetic stripe of the old card is damaged or the card is expired, the bank will issue you a new bank card. After receiving the new card, check whether the card numbers of the old and new cards are consistent and pay attention to the service life. If it is a lost or stolen new card, the card number will be completely different from the old card. After receiving the new card, you should complete the card opening procedure first. When you take the initiative to apply for card suspension, please contact the bank by phone before cutting the card and sending it back to ensure that your card is no longer used.
If the bank card cannot be used when it expires, the creditor-debtor relationship of the account will remain unchanged.