Credit cards can not only be used for credit card consumption, but also have a variety of consumption methods to choose from, such as binding third-party payment consumption, cash withdrawal consumption, online consumption, flash payment transactions and so on. Therefore, credit cards cannot be used only for credit card consumption.

1. Credit card, also known as 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. Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

2. Origin of credit card: The earliest credit card appeared at the end of 19. From 65438 to 1980s, the so-called credit card was developed in British clothing industry, followed by tourism and business departments. However, at that time, the card could only be used for short-term commercial credit, and the money had to be paid back as needed. There was no long-term default and no credit line. Credit cards are generally plastic cards with a special carrier, with a length of 85.60 mm, a width of 53.98 mm and a thickness of1mm. The name of the card issuer, the expiration date, the number and the name of the cardholder are printed on the front, and the chip, magnetic stripe and signature strip are printed on the back. Cardholders can use credit cards to shop, spend money and deposit and withdraw cash from banks.

3. Types of credit cards:

(1) According to different card issuers, it can be divided into bank cards and non-bank cards:

Bank card: This is a credit card issued by the bank. Cardholders can shop at the special merchants of the issuing bank, or withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

② Non-bank cards: These cards can be divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

(2) According to different card issuers, it can be divided into corporate cards and personal cards.

① Enterprise card: issue enterprise cards to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal organizations.

② Personal card: Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed individuals and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

Can credit cards only be swiped? There are also several ways to use a card.

When it comes to credit card consumption, many people will think of taking out their credit cards and swiping them on POS machines. In fact, credit card consumption is just one of the ways to use credit cards, not just swiping cards. Today, I will briefly introduce the advantages and disadvantages of several common ways to use cards.

Can credit cards only be swiped?

In addition to credit card spending, credit cards can also be used for online payment and flash payment transactions. Different ways of using credit cards have different advantages and disadvantages.

1, credit card consumption: that is, using POS machines to swipe cards, which can be divided into inserting cards or swiping cards according to the types of credit cards, such as magnetic stripe cards and chip cards. Many banks are not very friendly to credit card consumption. Now they only recognize UnionPay POS machines, and POS machine transactions paid by third parties are not counted as points. Frequent use risks being degraded and banned.

2. Online payment: tying cards on third-party payment platforms, such as Alipay, WeChat, JD Finance and Meituan. After the big change in points, many banks prefer to pay online. In the past, there were few points for online payment. Now, in turn, many offline payment businesses do not count as points, but most of them have points.

3. Flash payment transaction: it can also be regarded as credit card consumption, but it is different from the traditional credit card method. It mainly adopts the method of payment without collection, and you don't need to take out your card. Just bind the credit card to the mobile phone to call up the payment interface and put the mobile phone near the flash payment POS machine. If the single payment does not exceed 1000 yuan, you can directly skip the password to pay, and most of them also have points.

The above is "Can credit cards only be swiped?" I hope it will help everyone.

Do I have to pay by credit card?

Credit cards don't need to be swiped. I don't have my credit card. If you need to swipe your card, you need to get it back. Credit card consumption requires a card; Confirm payment by signing the credit card payment password.

Pay attention to the following points when swiping a credit card: ① First, check whether the amount listed in the consumption bill is correct, and pay attention to whether the consumption currency and the amount expressed in words and figures are correct;

2 when swiping the card, don't let the card stay away from your sight, so as to avoid the information in the card being stolen;

3 After the transaction is completed, please check your bank card, which is really your bank card;

(4) After the transaction is completed, please keep the root contact of the cardholder who signed the bill for verification: swiping the card is the cardholder's personal behavior, and the cardholder plays the trick of "someone else spends his own card", swiping someone else's shopping account into his own card to increase points, and at the same time, the shopper returns the cash to the cardholder, which really kills two birds with one stone for the cardholder.

Because many banks have launched value-added services while issuing credit cards, they have carried out activities such as exchanging consumption points for gifts to show people's enthusiasm for card consumption. Second, cardholders cooperate with merchants or some "loan companies" and "intermediary companies", and cardholders get cash by paying fees to merchants. Generally, the merchant's POS machine is used to make false transactions, and the amount on the credit card is crossed out. Merchants or "loan companies" and "intermediary companies" pay cash on the spot (paying cash to cardholders), and the handling fee paid by cardholders to merchants is lower than that of banks.

Can credit cards only be used for spending?

The main purpose of credit card is consumption, so it is no problem to pay electricity and mobile phone charges. Credit card can bind Alipay to shop in Taobao. If you are in urgent need of cash, you can withdraw 2000 yuan from the ATM every day urgently, and there will be handling fees and interest. The activities and regulations of each bank are different, but they are basically the same. Some banks can handle the cash installment business, that is, transfer the credit card money to the bank card for installment repayment. Of course, there is a handling fee.

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.

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 The English Translation and Writing Standard for Public Service was formally implemented, which stipulated that the English name of CreditCard was Credit Card.

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.

apply for

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.

Just introducing credit cards is enough.