Hello, take the UnionPay channel to swipe your card. The penetration rate of UnionPay network in Hong Kong, Macao and Taiwan is still relatively high. Therefore, as long as merchants have POS machines with UnionPay logo, it is best to settle your card with UnionPay. Otherwise, if you go through the visa channel, you may be charged an international currency exchange fee of 1.5%. In addition, remember to choose amp Amp” amp permanently buys foreign exchange in full. Quot service, so that the dollars spent in VISA channel can be automatically purchased and returned. You don&;t; There is no need to go there again, so the repayment will be more convenient, and there will be no late payment fee and interest due to the redemption time. To play with credit cards, you must know something about credit cards. How to identify credit cards: 62 starts with a card? 4 starts with VISA Global Payment Card (more widely distributed than MasterCard, with the largest number in Asia and Europe). 5 begins with MasterCard global payment card (the most in the United States). 37 begins with American Express card. The beginning of 35 is mainly Japanese JCB card. How to increase credit card limit: 1. The amount of credit card should be as large as possible, and the total consumption within half a year should be at least 30% of the limit; 2. Spend as many times as possible, averaging more than 10 pens per month. It&;s easier to increase the “a when it reaches more than 20 pens; 3. There are many types of consumer merchants, such as shopping malls, supermarkets, gas stations, restaurants, hotels, tourist and entertainment places, etc. 4. The less bulk consumption such as wholesale, house purchase and car purchase, the easier it is to raise the amount; 5. The less online shopping, Alipay transactions and cash withdrawals, the easier it is to approve the application for increasing the “a; 6. The type of merchants who swipe their cards can&;t always be similar to the business scope of their own company. Use cash withdrawal as little as possible: at present, if you use Xingye Standard poor&;s Quot starry night constellation credit card and credit card. Quot, you can transfer out the line at one time through the client APP without charge. Interest: Cash advance does not enjoy interest-free repayment. From the date of cash withdrawal to the date of settlement, interest will be charged at the daily interest rate of five thousandths, and compound interest will be calculated monthly. Limit (most banks): The withdrawal limit is generally 50% of the credit limit (except for cards with special provisions). At the same time, the accumulated daily cash advance of each card in China is 2,000 yuan; The daily accumulated cash advance of each overseas non-UnionPay line shall not exceed the equivalent of USD 1,000, USD 5,000 in one month and USD 10,000 in six months. Some banks Platinum cards may have some free policies. Please consult the banks for details. Credit card withdrawal fee (CGB) :1. Cash withdrawal interest: overdraft withdrawal does not enjoy interest-free period. From the date of cash withdrawal, the service fee and the principal will be charged at the rate of five ten thousandths per day, until it is paid off, with a minimum of ￥ 1/$1. 2. Handling fee: Domestic overdraft withdrawal will be charged at 2.5% of the principal, with the minimum amount of 10 yuan/transaction, and handling fee will be waived for self-owned deposits/platinum cards (except for Shang Zhen/Xiangzhen/Zunyue platinum cards); Overseas (including Hong Kong, Macao and Taiwan) will be charged at 3% of the principal, with a minimum of 15 yuan/USD 3. Note: There is no extra charge for cross-bank cash withdrawal. In mainland China, Guangfa Credit Card overdraft withdrawal fee.The interest charges are as follows: handling fee = withdrawal principal ×2.5% (the lowest charge is 10 yuan); Daily interest = (principal and handling fee) ×0.0005. Interest will be collected from the date of overdraft until repayment. There is a minimum charge limit, the minimum monthly 1 yuan. This ATM can withdraw money up to 15 times a day, with a cumulative withdrawal of 100 times a day. Quot overdraft withdrawal amp Quot The amount of AMP is 5,000 yuan (2,000 yuan in Shanghai). If it exceeds the amount, please show your original ID card and card to our branch. Consumption, consumption on the day after the bookkeeping date. You can enjoy an interest-free repayment period of 50-56 days. 56 days for Bank of Communications, 50 days for other banks and 48 days for investment promotion. Make multiple installments. Credit Card Installment Payment of Guangfa Bank: Consumption Installment of each branch: It means that the cardholder can apply for repayment of principal and service fee in installments from the time of consumption to the current billing date, subject to the audit results. You can freely choose 6/12/18/24 installments (1 installment per month), and the handling fee of each installment is only 0.7%/0.7%/0.72%/0.72% of the transaction principal, which can be deducted by installments. Billing installment: It means that the cardholder can apply to repay the current bill arrears by installments (6/12/18/24) from the next day of the bill to the 2nd day before the final repayment date, and the corresponding handling fee of each installment is only 0.7%/0.7%/0.72%/0.72% of the transaction principal, which will be deducted by installments. The result and processing amount are subject to the bank. ; Audit of. Golden Lottery is an innovative financial management service for credit card holders. You can apply for additional cash advance, use it freely and flexibly, and easily enjoy 6/12/18/24 month installment repayment. Only a handling fee of 0.75% of the principal is paid for each period, which can be returned to the credit card according to the monthly bill at the time of application. The approved amount/result is subject to review. Note: The application amount is 1,000 integer times ￥ 2,000, which will be credited to the current savings account of domestic bank in my name. Deduct the transfer fee from the credit card, 10 yuan/pen of our bank and 20 yuan/pen of other banks. Payment by credit card installment: the billing installment can be divided into the shortest 2 installments and the longest 24 installments; Unpaid bills can be divided into the shortest 2 periods and the longest 12 periods; A cycle is one month. The installment fee is included in the monthly installment repayment bill, and each installment fee = total installment amount × rate. 2 period rate of 1.0%/ period; 3-term interest rate of 0.9%/ term; 6 period rate of 0.75%/ period; 0.7%/ period, 10 periods; The rate of 12 issues is 0.66%/ issue; The rate of 18 installments is 0.68%/ installment; The rate of 24 issues is 0.68%/ issue. At present, the cash installments are divided into 3 installments, 6 installments, 10 installments, 12 installments, 18 installments and 24 installments on a monthly basis, and the handling fee rates of each installment are 0.95%, 0.80%, 0.75%, 0.75% and 0.75% respectively. The principal of each cash installment and the handling fee of each installment are fully included in the minimum repayment amount of the current bill. Warm reminder: Cash installment business does not charge cash advance fee and cash advance interest. The premium platinum installment card fee is charged monthly, and it is currently listed at a discount.The rates of each period are 0.85% for the third period, 0.7% for the sixth period, 0.65% for the tenth period, 0.61% for the twelfth period, 0.63% for the eighteenth period and 0.63% for the twenty-fourth period. Note: China Merchants Bank S car installment business 5.5% in the 12th period, 10.5% in the 24th period and 14.5% in the 36th period; At present, there are many best-selling models, and the installment fee is 0. Please refer to the homepage information of the website. As long as you are willing to bear the interest, you can apply to two banks Set credit card bills to repay each other: for example, use China Merchants Bank card and Bank of Communications card to repay each other. The minimum repayment date of Bank of Communications is 25 days and 18 days after the billing date. ? You can fix the billing date of Bank A, calculate the final repayment date A, and then change the billing date B of Bank B to Amp” Two days before the last repayment date of Bank A (a-2) “。 At present, the billing dates of China Merchants Bank ar:03, 05, 06, 07, 09, 10, 12, 15, 16, 17, 18, 19, 20, 22 and 25, respectively, and the corr:21, 23 and 24. We can fix the billing date of China Merchants Bank A to No.03 A, and calculate the final repayment date to No.21, so change the billing date B of Bank of Communications B to No.21, two days before (No.19). If you use the card of China Merchants Bank on October 4, 2015, you need to withdraw cash from the card of Bank of Communications to repay China Merchants Bank on November 3, 2015 before November 21, 2015 (November 20, 2015). As the bill date of Bank of Communications is 19th, the bill will not be issued until the 19th of next month (December 19th, 2015) for the consumption one day after the bill date. After 25 days of the bill (around January 14, 2015), you can use the withdrawal flow of China Merchants Bank. In this way, it is necessary to bear the interest of the two banks: for example, on October 4, 2015, China Merchants Bank&;s card was used to consume 1000 yuan, and on November 3, 2015, it was necessary to use Bank of Communications&; card to withdraw cash and return it to China Merchants Bank the day before November 21, 2015 (November 20, 2015). In the first stage, China Merchants Bank paid 48*0.05%*1000=24 yuan in 48 days. As the bill date of Bank of Communications is 19th, the bill will not be issued until the 19th of next month (December 19th, 2015) for the consumption one day after the bill date. In the second stage, the Bank of Communications paid 55*0.05%*1000=27.5 yuan of interest after 55 days. In the third stage, China Merchants Bank paid 18*0.05%*1000=9 yuan interest from January 14th, 2015 to February 3rd, 2015. Total interest paid to two banks in three phases: 24 28 9=64 yuan. Enjoy the repayment period: from February 03, 2015 to October 04, 2015, totaling about 120 days. Cash withdrawal with China Merchants Bank Weibo Daren Card is free. such asIf you are a tall man with great achievements, I suggest you apply for a platinum credit card. Benefits of Platinum Credit Card (take Guangfa Platinum Credit Card as an example): With Guangfa Platinum Credit Card, you can enjoy value-added services such as VIP rooms of high-speed trains (which are not available in other banks at present) and VIP rooms of airports; the green channel for medical treatment: you can enjoy three VIP appointment registration services and three medical consultation services of top three hospitals in major cities in China for free every year, giving priority to making appointments at designated times and experts for medical treatment, and being accompanied by experienced consultants to complete payment and medicine collection, which is convenient for medical treatment. Business VIP Courtesy: ● Intimate VIP Courtesy, the exclusive space is quiet and comfortable, and the green passage is relaxed. 1) Airport VIP courtesy: exclusive lounge, agency formalities, boarding reminder, long-distance ferry, etc. 2) High-speed rail VIP courtesy: the location is convenient, close to the ticket gate, escorted by a special person, and priority is given to boarding. ● No reservation is required, and you can enjoy the exclusive airport and VIP lounge of Guangfa for free for unlimited times. With the free Longteng Card, you will get 6 VIP rooms (6o amp amp； ; Clock)/year and 4 VIP rooms of Longteng High-speed Railway (2o amp amp； ; Clock)/year. Only 150 yuan/min will be charged for excess points. ● Covering more than 200 major cities at home and abroad such as Beijing, Shanghai, Guangzhou, Shenzhen, Tokyo and new york. Tips: 1). VIP courtesy of airport and high-speed rail is for my own use only. If you use it with your companions, you will incur expenses: the escort fee of exclusive airport/high-speed rail VIP room of Guangfa will be subject to the “ed price published on the spot; Longteng Airport/High-speed Railway VIP room escort charges 150 yuan/point. 2) Due to the different conditions of VIP rooms in different places, the service items, service facilities and service processes that can be provided are also different. Please refer to the local actual service for details. Multi-point gift (exclusive to Platinum Card): You can enjoy 3 times of points accumulation when you use Guangfa Platinum Card for business trip or overseas merchants&; consumption. High travel accident insurance: 5,000,000 yuan travel accident insurance is included with the card, and the family members of the same trade can also benefit, so that every trip of Guangfa Platinum Credit Card holders and their families can enjoy intimate protection. Emergency car calling service: If the cardholder of Guangfa Platinum Credit Card needs a car urgently for business trip or vacation, just dial the service hotline, and Guangfa Bank will arrange a special car for the cardholder of Guangfa Platinum Credit Card to use at exclusive preferential price. Global preferential merchants: Global preferential merchants enjoy VIP privileges, exclusive privileges and discounts of top merchants such as five-star hotels, high-end restaurants and luxury brands. Global Travel Support Service: When GDB Platinum Credit Card holders encounter difficulties during travel or business trip, they can call the 24-hour global emergency support service hotline at any time and enjoy a number of emergency support services, including emergency card replacement, emergency cash advance, translation service, assistance service for lost luggage, etc. International Personal Assistant: Be the cardholder or cardholder of Guangfa Platinum Credit Card Cardholders of Guangfa Platinum Credit Card abroad can call the 24-hour Platinum service hotline at any time, and provide intimate services such as restaurant reservation, hotel reservation and medical treatment according to the cardholder&;s situation Demand. VIP service line: 24-hour VIP service line, advanced service.The Commissioner provides specialized secretarial services. Exclusive fee reduction: Cardholders of Guangfa Platinum Credit Card can enjoy a number of fee reduction concessions, such as domestic consumption list reading fee, overseas payment voucher reading fee, over-limit fee, etc. Counter Priority Service: Cardholders of Guangfa Platinum Credit Card can enjoy VIP priority service at the outlets where Guangfa Bank has VIP service windows, and give priority to various businesses. Integral mall Commodity Exchange Discount: Cardholders of Guangfa Platinum Credit Card can enjoy a 15% discount on all commodities in integral mall Platinum Zone of Guangfa Bank, so that the points of Guangfa Platinum Credit Card Cardholders can increase faster. Automatic global settlement of transactions. ” Amp” is the automatic opening function of Guangfa Platinum Credit Card holders, all overseas international transactions are automatically converted into transactions, and direct repayment can be made through repayment channels, thus exempting Guangfa Platinum Credit Card holders from purchasing foreign exchange and saving expenses. Free transaction security guard: CGB Platinum credit card holders are escorted by their security cards. When the cardholder amp If the American card is lost or stolen, the credit card is forged, or the card information is leaked, CGB will provide compensation guarantee, regardless of whether it is paid by password or not. There is also a free transaction reminder SMS gift, so that Guangfa Platinum Credit Card holders can keep abreast of account changes. Exclusive service of Platinum Credit Card for car owners: Refueling cash back: You can enjoy rich cash back by swiping your card. The monthly refund rate is 10% for amounts below 1000 yuan (inclusive), 3% for amounts between 1,001 yuan and 2,000 yuan (inclusive), and no refund for amounts above 2,001 yuan. Up to 1560 yuan can be returned every year! Road rescue: Enjoy unlimited road rescue throughout the year, free rescue services such as towing, oil delivery and quick repair within 100km, and free local accommodation or scooter transportation services when necessary. Safe and considerate drunk driving: GDB credit card drunk driving service is a new upgrade. Log in to the e-drive client and register with your mobile phone number to make a reservation easily. E follows the road, is safe and considerate, and enjoys six free drunk driving services throughout the year. High safety and worry-free: a driver and. ; Personal safety accident insurance up to 500,000 yuan, which is included with the card in 50 yuan, enjoys intimate protection. Exclusive service of Platinum Credit Card for Business Travel: VIP courtesy for Business Travel ● Intimate VIP courtesy, quiet and comfortable exclusive space and leisurely green passage. 1) Airport VIP courtesy: exclusive lounge, agency formalities, boarding reminder, long-distance ferry, etc. 2) High-speed rail VIP courtesy: the location is convenient, close to the ticket gate, escorted by a special person, and priority is given to boarding. ● You can enjoy Guangfa exclusive airport and high-speed rail VIP room for free without reservation. You can get the Longteng card for free, and you can also enjoy the VIP rooms of Longteng Airport and high-speed rail for free for unlimited times. ● Covering more than 200 major cities at home and abroad such as Beijing, Shanghai, Guangzhou, Shenzhen, Tokyo and new york. Tips: 1). VIP courtesy of airport and high-speed rail is for my own use only. If you use it with your companions, you will incur expenses: the escort fee of exclusive airport/high-speed rail VIP room of Guangfa will be subject to the “ed price published on the spot; Longteng Airport/High-speed Railway VIP room escort charges 150 yuan/point. 2). Due to various placesThe conditions of VIP rooms are different, so are the service items, service facilities and service processes that can be provided. Please refer to the local actual service for details. Multi-point consumption valu: has rich consumption feedback, and points accumulate faster. Redeem your favorite gift. Domestic consumption enjoys 2 times points, and consumption abroad enjoys 5 times points. (Since February 1, 2013, the upper limit of multiple points of Business Travel Platinum Card has been adjusted to 1 million, and the exc: Guangfa Platinum Credit Card Cardholders Your spending points can be redeemed for multiple air miles, and you can enjoy a 1-mile advanced redemption discount for every 20 points. Platinum credit card exclusive service: free green playing at several selected golf cours:. Cardholders of Guangfa Platinum Credit Card can enjoy free green play service for unlimited holidays, so that cardholders of Guangfa Platinum Credit Card can release their stress and enjoy a freehand life in sunshine, green grass, beach and forest! The free time for practice is wonderful. Many high-quality golf driving ranges have been select:, Shanghai, Guangzhou, Shenzhen, Hangzhou and other cities. You can enjoy free practice servic: holds golf friendly matches for customers of Guangfa Platinum Credit Card. Cardholders of Guangfa Credit Card can sign up for the comp: enjoys the reservation service of golf clubs at home and abroad, and enjoys VIP discounts and concessions. Please call 95508 or refer to the user manual for details. Within the scope permitted by law, Guangfa Bank can adjust the specific service contents and details according to national laws, regulations and actual conditions. When the credit card is not in use, cancel the credit card: 1. Cardholders can call customer service; 2. Selling cards at outlets: Some banks adopt the practice of allowing cardholders to sell cards at any local outlets with their ID cards and credit cards. After completing the account cancellation application form, the bank will send the cardholder&;s copy ID card and the completed account cancellation application form to the head office, and the cardholder can call after a period of time. 3. Card sales at designated locations: There are also a few banks that need to go to designated locations to cancel their credit cards. Precautions for safe use of credit cards: 1. Setting passwords Nowadays, many bank credit cards provide password functions, including inquiry password and consumption password. After setting the password, you need to enter the correct password to complete the transaction when spending with credit card. Pay attention to the password setting, don&;t Don&;t use birthdays, house numbers. 2. When signing to confirm the credit card, we need to confirm the transaction amount entered by the seller on the pos machine. After the transaction is completed, we need to carefully check the transaction information on the printed list and sign the receipt after confirmation. If there is no signed consumption record, we can&;t afford any loss. 3. Pay attention to the use of snap ring.If you don&;t amp Don&;t pay attention to informal businesses. ; Credit card spending, you can After a successful transaction, don&;t list them all on the list you entered. If you have a password, you need to cover it with your hands before entering it (because merchants often have cameras above the credit card settlement) to prevent the password from leaking. 4. Protect the security code CVV2 security code is the three digits at the back of the credit card. For credit card issuers, it is very important to use it when verifying. It is the same as the password. Please pay attention! If necessary, you can cover it with a piece of paper. 5. Don amp Don&;t let others get their own cards. This situation is more common in restaurants. Many friends are used to giving credit cards to waiters when they pay the bill after meals. It&;s not safe to do so. The magnetic stripe of credit card can be easily copied. If other machines steal track information midway, your credit card will also be stolen. 6. Don amp Don&;t put credit cards and ID cards together. Many friends like to keep their credit cards and ID cards in the same wallet, which is also risky. In case the wallet is dropped and the ID card is taken with the credit card, he can pretend to be you and do what you, the card owner, can do, with serious consequences. 7. Report the loss in time and call the bank service hotline. Call the customer service hotline of the bank in time after the card is lost, so you need to remember the hotline of the issuing bank. Many banks offer a 48-hour exemption system before credit card loss reporting, that is, calling the bank hotline after credit card loss. Confirm at the bank that the signature information is not the cardholder Oneself, the bank will bear this part of the loss. But please note that the bank here has to check that the signature of the transaction document is not the cardholder himself; And the premise is whether it is consumed through password/online shopping. Avoid it! In any case, after the card is found to be lost, it is necessary to report the loss in time to reduce the possibility of being stolen. 8. Set up SMS. Almost all of them provide short message service, both free and paid. By binding SMS, credit card consumption has long been known. In addition, the bank also provides the service of sending dynamic check codes to customers. ; Mobile phone, and the transaction can only be completed after the cardholder confirms it! Consequences of non-repayment of credit card: If the payment is overdue for more than three months or the bank makes more than two reminders, the bank will freeze your card, list you as a prohibited customer (blacklist), and prosecute you for credit card fraud and malicious overdraft, which will be enforced by the court. If you refuse to repay after prosecution, and the amount in arrears exceeds 10,000 yuan, the court will impose a sentence according to the crime of credit card fraud in Article 196 of the Criminal Law: Article 196 of the Criminal Law stipulates that if the amount is relatively large, you shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained by false identification; (2) using an invalid credit card; (3) falsely using the name of another person; ; Credit card; (4) Malicious overdraft. Malicious overdraft refers to the cardholderFor the purpose of illegal possession, the overdraft exceeds the prescribed limit or time limit, and the issuing bank still refuses to return it. Malicious overdraft is the main risk form in credit card business and a part of credit card fraud.