With a credit card, you have to learn to use a POS machine.

Credit cards are becoming more and more common, and almost everyone has a card, which has become accustomed to. However, it is inevitable that there are many people who have been refused outside the door by the bank and do not have their first card. Although you have a good character and never defaulted on any loan, you may not be able to apply for a credit card. The reason for this may be this.
Today, I started to talk about the comprehensive point. People who want to study in the province will not learn if they look at the West. It's starting now. . . .
First, please note the application notes for credit cards.
1. There are three types of credit card application channels.
Bank check-in, it is not good to get off the card. Prerequisites You must be a quality customer of the bank. If you have a deposit, you are eligible. Skip this method
Bank clerk, go to the door to do the card. Relatively speaking, the card rate is better. Of course, the salesman must also have the qualification to do the card, such as the salary flow, and the self-employed person has a business license, you can apply.
Online card, this is the easiest to pass. Now, if you apply for a credit card online, you must choose a local bank counter. After the online application is successful, you can go to the local counter to sign the activation. But some banks can activate directly online.
Many banks will cooperate with major Internet giants to launch a variety of co-branded cards. In addition to the credit card function, other offers are quite a lot. Taobao Tencent has a Shenka channel, you can experience it yourself.
Remember: the Shenka process information is carefully filled out, even if it is not passed, do not apply frequently within three months, because the credit record already exists for your credit card failure record.
Let me talk about the most basic method of operation after the credit card is down.
After the credit card is applied, it will be activated. After most banks are activated, they will consume 3 to 6 times. You can avoid the free, the amount of consumption is not limited.

Let me talk about the tips and methods of using credit cards.
The use of credit cards is nothing more than raising a card to meet the needs of the time. Therefore, the daily consumption of life can be swiped with a credit card, recorded in the number of consumption, to help the amount.
In-depth theme, talk about the way to raise a card, have to mention pos machine, clever use of the amount is no longer difficult.
How to choose a safe and good POS machine?
No matter which POS machine brand, as long as it has a third-party payment license, there is a bank receipt qualification, then the fund transaction is safe.
Moreover, POS machines must be able to reach local merchants, which is even more important. Avoid some machine hopping code set phenomenon is serious, not less than the card, but also damage to the credit card.
Explain, what is the local business? That is to say, the transaction record of your credit card shows that the merchants who consume are in the scope of your city, which is reasonable and safe. If you live in A, brush your card, and spend it in City B, it is unreasonable, and the bank will conclude that there is a risk.
In addition, it is the POS machine rate problem, after the fee is changed to 0.6 or more, the following is best not considered. Cheaper is not a good thing, there may be a set of code phenomenon. It is a high-rate industry, set at low rates or zero rates. For example, if you are in a supermarket, self-examination of transaction records shows that consumption is in a charity. In the long run, banks can’t make money, and your card is not safe. It is.
A lot of people will ask, POS machine use, how do I know if it has a third-party payment license. This is very simple, you have a model after you get the POS. Go to UnionPay's official website and check if your brand is certified by UnionPay terminal.
With a reliable POS machine, you have to learn to use it properly.
On the market, most of the POS machines are hand-brushed POS, which is convenient and fast. If you don't leave your credit card with your credit card, you can use the card to spend and raise the card, but this is skillful.
POS machine card is actually to simulate a person's real consumption habits, so that the bank sees a normalized consumption in the background data, so it is safe.
Do the following during use:
Swipe to remember multi-frequency small amount of consumption, one month of large amount no more than three times
Swipe trading locations, selective consumption, don't always appear in one place too fake.
Spending time is best from 9 am to 8 pm.
Don't always swipe your card at the same POS machine, because the billing agency is always the same, and it's best to have two machines in exchange.
The credit card is also brushed, and the consumer record is also available. You have to talk about the repayment.
Credit card transactions, the amount of help is very helpful. But if you swipe your card, you have to pay back. After teaching you how to swipe your card, how to pay for the card.
Now the cost of brushing 10,000 is about 60. The maximum interest-free period of the credit card is calculated for 50 days. You put the money you have put into the balance treasure. When the repayment date expires, there will be almost 60 income to fill the handling fee.
This will earn points and record the consumption record, is it the best of both worlds?
Credit card repayment considerations to avoid those pits
Credit card repayment can be not staging without staging, because the staging is over, I want to pay off in advance, but the handling fee is inevitable.
Credit card repayment, there is a minimum repayment amount, there is also a fee. The repayments are not finished, and there is a little left. Because of that, the bank charges the daily interest on the full amount.
Don't save money for the credit card, save more money, because there is a fee for depositing it. It’s easy to deposit it, it’s hard to take it out.

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