Safety precautions for credit card use:
1. This credit card is for personal use only and cannot be lent to others.
2. Important payment information of the credit card, such as expiration date, CVV, mobile phone verification code, password and other information, should not be told to others.
3. When trading online, please choose a secure network environment to prevent phishing websites from stealing account information.
4. Pay attention to the credit card consumption reminder, and contact the credit card customer service hotline 4006695566 in time if you have any questions.
The above contents are for your reference. Please refer to the actual business regulations.
What should I pay attention to when using a credit card?
First, try not to use it, and only use it when necessary.
Second, if you want to cash out, you should spend more.
Third, try to use it after the billing date, so it can be used for up to 50 days.
Fourth, as long as the credit card calls you manually, it must be done in installments, even if it is 1000 yuan, so as to raise the amount.
Fifth, if you have the ability to make a phone call, buy more wealth management from that credit card bank, even if it is a time deposit.
To sum up, only banks can make money from you, and you are a quality customer, so you can play with your credit card. There is also a fixed income, which is better than a credit card.
What should I pay attention to when using a credit card? First: don't be overdue
It is most important not to be overdue. This will not only affect the improvement of the future quota, but also affect future loans such as mortgages. So you can choose the minimum repayment amount or installment repayment, but you can't be overdue.
Second: increase the quota.
If you want to increase the quota, the most important thing is to use more cards. If you can use staging as much as possible, then use it. At the same time, diversified consumption is also the key to increasing the quota. The time for self-service quota increase varies from bank to bank, depending on the rules and information of the corresponding bank.
Credit card is the product of modern advanced consumption, which is a non-cash payment method and is consumed in the form of credit service. By applying for a credit card from the bank, you can get your personal credit card after approval. However, credit cards usually have an expiration date. Many cardholders don't understand and often say, "Is there a time limit for credit?"
Today, riding a bull and watching a bear will explain to you why the card period on the credit card is caused:
(1) Prevent risks. When the credit card is paid by VoIP, or the password is changed by telephone voice, you need to report the service life of your credit card. This is also to prove that you really have this card, and it also "adds" a step of credit risk prevention, which can protect the legitimate rights and interests of cardholders to a certain extent.
(2) rating system. Credit cards usually expire in a few years. At this time, if the cardholder wants to continue to use the credit card, he must apply for a new card, and the bank will give the cardholder a new credit rating. If your credit is good and you use your card within a reasonable range, the bank will ask you if you want to upgrade or increase the quota. On the other hand, your credit information is not good, and you may not be able to apply for a new credit card at this time, which is also a rating protection measure made by the banking system itself.
Hello, futures Chu Xiao, as a so-called old man who has been engaged in the financial industry for more than ten years, got his first credit card in 2006, and at most, there were more than a dozen, a standard credit card expert. At the same time, as a national financial planner, I will briefly answer this question.
First, understand the concept of credit card.
The credit card stipulated by relevant laws in China refers to an electronic payment card issued by commercial banks or other financial institutions with all or part of functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.
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.
Secondly, about the benefits of credit cards.
1. Credit card is the only debt instrument with long interest-free period, which has high use value. This is not available in any other loan varieties. This means that for a period of time, we can spend the bank's money for free and do our own thing. When money is tight, you can also use a credit card to tide over the difficulties without paying interest.
2. You can accumulate personal credit. For "white letter users" who have no credit record in the Credit Information Center of the People's Bank of China, banks generally don't give credit easily. Even if credit is granted, the loan amount will be very low, and there will be no preferential loan interest rate. Young people who have just left the society can accumulate personal credit by using credit cards to repay on time, laying the foundation for applying for mortgage, car loan and low-interest credit loan in the future.
3. You can accumulate points and participate in preferential activities. With a credit card, you can accumulate points and redeem gifts or rights. In order to seize the market and protect customers, credit card centers of various banks have launched many preferential activities. Some activities are very strong. Activities such as 50% off food and watching movies for one yuan are very cost-effective and can save a lot of money.
Some credit cards are powerful and can facilitate daily life.
Third, back to the topic "What should I pay attention to when using credit cards?"
1, repayment on time:
When you use up your credit card, you must remember to repay it on time. Once overdue, it will not only produce bad credit records, but also charge overdue penalty interest.
2. Don't swipe your card too often:
Some people use credit cards frequently, and the interval between swiping cards is short, which is easy to be controlled by banks.
3. Diversified consumption:
When cardholders use credit cards to spend money, they should be diversified and not confined to one place. They can swipe their cards in hotels, restaurants, shopping malls and other places. If you spend money in one place all the time, banks will feel that cardholders have no spending power and reduce credit cards.
Now the pre-consumption concept of post-80s and post-90s has been developed, and it has also become the main force of credit card consumption. Credit card is a good thing, but there are also some precautions to remind you, so that you can make better use of the convenience of credit card.
Financial analysts suggest that users need to evaluate their financial situation and self-control ability, and choose the amount within their personal tolerance, preferably not exceeding their regular income for half a year. And if you have more than three credit cards on hand, you can use a special credit card account management APP to avoid forgetting to repay because there are too many cards, which will affect your personal credit information.
If you want to keep your credit card from expiring, it is recommended to do the following things:
The first credit card should be bound to the repayment account, set up automatic repayment, and the repayment account should have enough balance.
Third, now people prefer to pay back their credit cards with WeChat Alipay. After registering inside, WeChat Alipay will remind you.
Fourth, there is another way. Credit cards will never expire.
No credit card, never overdue.
If everything is ready and you are short of funds, of course.
But do what you can, and consider whether you can bear the consequences after failure.
If it were me, I would choose to find several partners to share the risk instead of using your method.
Repayment on schedule, remember not to be overdue, and diversified consumption will help to increase the quota.
Normal consumption, real consumption, diversified consumption. Please pay attention to the password and CVV code on the back.
Let me answer this question. I hope it helps you. What should I pay attention to? The most important thing is not to be overdue. As we all know, the longest interest-free period of a credit card is 50 days. You can reach the 50-day interest-free period by swiping your card the day after the bill date. This is the main advantage of credit card, you can lend money to everyone for free.
However, if you don't repay the loan when it is due, it will be miserable, which will not only affect your personal credit information, but also make it difficult to apply for mortgage and car loan in the future, and you will have to pay high interest. At present, the interest rate of overdue repayment of credit cards in all banks is the same, which is five ten thousandths of a day, with compound interest calculated on a monthly basis. It should be noted that the principal of interest calculation is the sum of consumption in the current month, and the interest-bearing time is: all consumption in the current period will be calculated from the bookkeeping date (usually the day after consumption), which is not the number of overdue days imagined by many card friends.
In addition, because the cardholder fails to repay on time, the bank will also charge a late fee, and the proportion of late fee is higher: the late fee is charged at 5% of the outstanding minimum repayment amount, once a month. If you don't pay it back all the time, the monthly interest and late fees will be added to the principal to continue compounding, which is quite scary.
Take a look at it for example:
If the bookkeeping date is 5th of each month, the due repayment date is 23rd of each month.
1October 6th 10000 yuan,1October 5th 165438 The "payable amount in this period" on the bill is 10000 yuan, and the "minimum repayment amount" is 1000 yuan. 10.3 million yuan shall be repaid in full before October 23rd, and no interest will be generated;
However, if the minimum repayment amount is 65,438+0,000 yuan before 65,438+065,438+0.05% before1October 23rd, the interest will be 65,438+0,000 yuan for 50 days =250 yuan;
If the minimum repayment amount is not paid, plus the late payment fee: 10000 10%5%=50 yuan.
Are there any precautions for credit card processing?
There is no risk for users to apply for a credit card. As long as it can be used normally after handling and there is no overdue behavior, there will be no problem. However, if the credit card is overdue, the bank will report the personal overdue record to the central bank's credit information system, which will tarnish the personal credit and affect the future loan approval. Credit cards are actually closely linked to the central bank's personal credit information system. Applications and users' usage will be displayed in the personal credit report of the central bank. Therefore, when users use credit cards, they must repay them on time. Of course, these two aspects also need attention:
1, avoid blind consumption. For most users, the amount in a credit card is just a number. Therefore, when shopping, we spend money like water and buy a lot of useless goods, which leads to waste. Therefore, users must avoid blind consumption when using credit cards.
2. Avoid excessive consumption. Due to the installment payment function of credit cards, many consumers often use credit cards to buy some digital products. Of course, in this process, users should avoid excessive consumption, so as not to be unable to repay.
3. When using a credit card, be careful not to overdue repayment, have good repayment habits, do not blindly handle high-grade credit cards, and protect your information from being stolen.
(1) When using a credit card, overdue repayment is the most taboo.
Failure to repay on time is the most taboo thing to use credit cards.
These credit stains have a great influence on mortgage to buy a house's car purchase. From the perspective of risk control, banks are reluctant to lend money to people with credit stains, and they will think that such users will be at risk of overdue or bad debts.
(2) Have good repayment habits.
After getting the credit card, you must control your consumption desire. Don't swipe your card willfully. If it can't be repaid by the repayment date, choose installment. In fact, staging will generate high interest, and the vicious circle will lead to more and more debts.
(3) Don't blindly apply for advanced cards.
For example, the annual fee of some ordinary platinum cards has reached several thousand, so you have to know it carefully before you can handle it, because if you forget to pay back the high annual fee, it will also cause credit stains.
(4) Protect personal information from being stolen.
Be sure to pay attention to this problem and protect your personal information.
Once you find that your credit card has been stolen, the first thing to do is to call customer service and tell the bank that it is not my consumption, so that the bank can suspend the credit card. The customer service will let you swipe your card at a nearby ATM and get a receipt.
The second is to call the police to prove where you are, and then take this evidence to the bank's credit card department and other banks for investigation.
What should I pay attention to when using a credit card?
Precautions for card safety: 1. Please take good care of your personal information and don't tell others the expiration date. Credit cards are only used by the cardholder himself. Don't lend it to others. When you get a new card, you should sign it on the back immediately. 2. Don't leave your sight when spending by credit card. When entering the password, please pay attention to occlusion. Don't set your password too simply, and don't use your birthday, phone number or ID number as your password. Never write the password on the card or put it with the card. There are some card information on the purchase order, so don't throw it away at will. 3. Please identify the websites carefully to prevent you from visiting fake shopping websites and fake online payment pages. If you find a suspicious website, please call the customer service hotline to verify it in time. Don't enter bank account number, password and other information on unknown websites to avoid being stolen by phishing websites or trojans. 4. If your personal information (such as contact information, address, etc.) changes, please modify the relevant information through the banking system in time. 5. Check your transaction regularly and check the statement. 6. Please read the consumption notification message sent by our bank carefully. If the message amount does not match the actual amount, please call the customer service hotline in time for further inquiry.
What problems should international students pay attention to when using China Bank Credit Card abroad?
Matters needing attention for international students to use China Bank Credit Card abroad;
1, credit card security:
(1) Keep the "security code" properly:
The security code is a 3-digit or 4-digit number printed on the credit card, and the printing position of different types of cards will be different. It is usually used to prove that the payer owns this credit card at the time of transaction to prevent credit card fraud. Please take good care of your credit card, don't tell others the security code at will, and don't send credit card pictures with security code information to others.
(2) If there is any problem, report the loss immediately:
If you encounter the loss of your credit card overseas, please call the customer service hotlines of BOC Credit Card at 86- 10-66085566 and 86- 10-66086569 as soon as possible, or report the loss through BOC Mobile Banking or the official account of "Bank of China Credit Card" WeChat-My Account-Loss Reporting and Replacement Card and Fun Life APP.
(3) payment security lock:
It is suggested that you unlock the payment security lock and control the domestic and overseas card usage, consumption amount and card usage time. According to the use requirements of the card. In addition, you can close or open the credit card at any time by setting the "one-button card lock" function through the payment security lock. At present, the payment security lock function can be set through five channels: "China Bank Credit Card" WeChat official account-My Account-More-Payment Security Lock, Mobile Banking-Credit Card-One-click Lock Card, Colorful Life APP-Credit Card-Payment Security Lock, BOC outlet counter and BOC credit card customer service hotline 4006695566.
2. Handling fee prompt:
(1) Please use local currency in consumption abroad:
Some overseas merchants may provide dynamic currency conversion service (DCC) to convert the local currency of the transaction into your functional currency in real time, which will generate additional exchange rate bonus. In the case that the exchange rate fluctuation is not severe, it is recommended that you refuse this service and choose local currency for settlement.
(2) consumption abroad input password:
When your credit card is spent abroad, you will decide whether to use a password according to the requirements of the merchant and the type of card. Some countries will adopt mandatory password verification for chip cards. It is recommended that you set the cash withdrawal password before going abroad. You can call the customer service hotline of China Bank at 400669566 to set it up. If the merchant requires to enter a 4-digit consumption password, enter the first 4 digits of the 6-digit password to complete the transaction.
(3) Overseas trading tips:
Overseas, I received a short message from consumption abroad reminding me of the need to open international roaming service for mobile phones; Or search for "China Bank Credit Card" or "BOC Card" to follow the WeChat service number and bind the credit card.
The above contents are for your reference. Please refer to the actual business regulations.
Is there anything to pay attention to when swiping a credit card?
Precautions for credit card swiping:
1. The credit card is only used by the cardholder. Never lend it to others.
2. Please take good care of your personal information, and don't tell others your personal information, such as the expiration date and the number on the back of the signature column.
3. Don't leave your sight when spending by credit card.
4. When entering the password, please pay attention to the occlusion.
When you get a new card, you should sign it on the back immediately.
6. There are some credit card information on the purchase order, so don't throw it away at will.
7. Please identify websites carefully to prevent you from visiting fake shopping websites and fake online payment pages. If you find suspicious websites, please call the credit card service hotline in time for verification.
8. Please read the consumption notification message sent by our bank carefully. When the amount of the short message is inconsistent with the actual situation, please call the service hotline in time for inquiry.
Please update your contact information in time.
Regarding the credit card application conditions, the explanation is as follows:
1. Applicants should be 18~60 years old (foreigners are 25~60 years old), have certain economic ability and have a good credit record.
2. The applicant for supplementary card is over 14 years old (inclusive), and the principal cardholder can apply for supplementary card for immediate family members (parents, spouses or children).
This concludes the introduction of precautions for credit cards and precautions for college students to use credit cards. I wonder if you have found the information you need?