National Day Credit Card &Nbsp; Credit Card "Making Money".

Walk before the Mid Autumn Festival and arrive at the foot after national day.

Just past

Credit card to buy air tickets

National Day holiday is also a golden week for tourism. To buy tickets, try to brush credit cards, because many credit cards are covered by insurance.

The credit cards of many banks such as CCB, CITIC, Pudong and so on provide such value-added services, and the contents of the protection are not limited to aviation accidents.

If you use the VISA platinum card launched by CCB to buy tickets, you can get 5 million yuan aviation accident insurance.

CITIC Bank (601998 shares, market, information, main trading) credit card with accidental hospitalization medical insurance, travel traffic accident insurance and female health insurance, its platinum card travel traffic accident insurance amount is as high as 5 million yuan.

China Merchants Bank (600036 shares, quotes, information, main trading) a car series of credit cards will receive a self driving accidental injury insurance with a sum of 100 thousand yuan after the credit card is opened.

Tips: compare the credit cards of family members, then choose the most cost-effective credit card to purchase.

Each bank has different coverage for credit card donation insurance.

Some keep card owners themselves, others can protect their families.

For example, customers of PUFA platinum card can enjoy a travel safety guarantee scheme of up to 5 million yuan, and the spouse and underage children can enjoy the same security plan.

The spouses were 5 million yuan and 100 thousand yuan for underage children.

Even for the same level of credit card, the amount of insurance is different.

For example, the Construction Bank (601939 shares, quotes, information, main trading), long card gold card, car card holder credit card purchase tickets, will receive 1 million yuan aviation accident insurance; but the Shanghai Pudong Development Bank (600000 shares, quotes, information, main business) credit card gold card, in addition to the opening card has a 90 day, the maximum amount of 300 thousand yuan of additional accidental injury insurance, more than 90 days later to buy a ticket by credit card, no risk can be guaranteed.

Don't take Qian Cunjin.

Be careful of the credit card being brushed two times.

No man can be without a saint, but a computer controlled machine can make mistakes.

When you pay for your holiday card, pay special attention to the credit card being "brushed" two times.

Miss Wang recently paid her card in a hotel, but after a long time, the machine did not respond at all.

The cashier told her to fail the card and let her brush it again.

So Miss Wang once again brushed a card. The machine was very refreshing, and soon she threw out a print receipt. Miss Wang signed the bag and left.

When the credit card bill arrived, Miss Wang found that she had two dollars in the same hotel for spending 1230 yuan.

Miss Wang is very surprised: isn't it the first time that she failed to do the credit card? Why did she take the money away? Fortunately, Miss Wang has a very good habit of consumption: keep the credit card printing card.

So she found the guesthouse with a print receipt and asked for an account.

Fortunately, the cashier still remembered the credit card situation that day. The hotel finance department did not have two words to check accounts. As a result, it was naturally overcharged, so the dispute was solved satisfactorily by two times.

[tips] safekeeping and properly handling credit card signature printing voucher.

Some cardholders do not pay attention to keeping card printing voucher, and throw them everywhere. This is a bad habit of consumption.

On the one hand, in case of "brush" two times, it is difficult to say clearly because of lack of print receipt.

On the other hand, many merchants' credit card printing voucher has the complete number of credit cards and cardholder's signature, so it is likely to reveal their secret information.

Therefore, the proper way to destroy printed voucher is to use a crusher instead of rubbing it into a ball and throwing it away.

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Choose different cards to use the "interest free period".

There are a lot of two or three credit cards nowadays. Different bank credit cards have different billing days. The so-called billing day is the day when banks settle accounts for cardholders and post bills, and all pactions from the last bill to the bill are recorded on this bill.

During the National Day credit card, especially for large consumer credit cards, we should learn to make use of the time difference between different credit cards and make full use of the "interest free period".

For example, if a person owns the credit card of Shanghai Pudong Development Bank and Bank of China (601988 shares, quotes, information, main business), the date of the letter of the Shanghai Pudong Development Bank credit card is 22 days per month. The Bank of China bills day is the 10 day of each month.

The 20 day after the date of the bill is due repayment day. According to the agreement between the bank and the cardholder, the cardholder should repay the loan before the due date.

If the cardholder pays all the amount of debt before the due date of repayment, the consumption paction in the previous cycle can enjoy interest free.

During the National Day credit card consumption, the Bank of China brushes the credit card obviously, the interest free period is short; while the brush issuing bank's credit card has a more than one month interest rate on the repayment date, of course, it should brush up the credit card.

[tips] interest free periods usually range from 20 days to 50 days.

On the next day of the bill, you can enjoy the longest time free interest discount.

To enjoy interest free, there is a need for a cardholder to pay in full.

In order to avoid the occurrence of forgetting repayment after maturity, it is better to bind credit cards and debit cards (or passbooks) to full repayment, so that they can be once and for all.

After the monthly repayment date, the bank automatically pfers the credit card from the debit card.

When the cardholder fails to pay the full amount in the month, the cardholder also indicates the option of the minimum repayment amount on the bill, but after the cardholder uses the minimum repayment amount, he will no longer enjoy the preferential treatment of the interest free period.

Integral exchange is a good calculation.

Exchanging credit cards for gifts has always been one of the ways to promote credit cards by major banks, but have you noticed that the same points for different banks need to be exchanged for the same gift?

Therefore, it is necessary to calculate before using the integral to exchange gifts.

First of all, what kind of gift should be calculated?

Under normal circumstances, the value of the credit card integral gift of a bank is usually set by 0.2% to 0.25% of the credit card amount.

For example, a bank's integral replacement page shows a Pentium rice cooker, which requires an integral purchase of 137000 yuan by credit card. The market price of the electric cooker is only 189 yuan, and the card holder can only get about 0.001379 yuan for every dollar he spends, which is not cost-effective.

But the same is the bank's CITIZEN thermometer + cushion is combined, the market value of 156 yuan, need to swipe card 82000 yuan points to buy, converted to spend a dollar per person can get 0.0019024 yuan of feedback, basically meet the 0.2% standard, more cost-effective.

The second is horizontal comparison.

For example, the same electronic cash sphygmomanometer, a state-owned bank needs 155000 credit card points to exchange, but the other one only needs 88000 points.

The third is to calculate the time limit of integration.

The credits of some banks are permanent, while others are valid for 2 years.

For credit cards with integral credit cards, they can use such credit cards when purchasing bulk purchases, so as to accumulate enough points in a short time to replace them.

Permanent credit cards can be used for daily consumption.

[tips] to change points, we must read the integral Handbook, understand the rules of integration and exchange, pay attention to exchanging information, grasp the opportunity of integral promotion activities, strive for more points or greater interests, and pay attention to the regulations on the integration of bank credit cards, so as to avoid unnecessary waste.

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Signature + password mode is the safest four move away from the card trap.

Before the eleven long vacation came, reporters interviewed many cardholders randomly, and found that the loss and theft of bank cards are the most common security problems.

These problems will not only bring huge economic losses to cardholders, but will also leave bad credit records to cardholders if they are not reimburse after overdraft.

Professionals remind consumers that there are four steps to secure credit card consumption: one set, two signatures, three attention and four confirmation.

Set up: card password

When getting bank cards, the first step is to set up password pactions and prevent passwords from escaping.

Special note is that if you use a landline to make a bank phone call and enter a card number or password, you should dial several numbers after you hang up, so as to prevent the subsequent person from using the redial button to tune out the card number and password you entered.

"In fact, there are some skills to set up the password."

Professionals told reporters that the card should be changed in time, and the new password should not be used as a password.

Bank cards and valid identity documents should be kept separately for safekeeping in case they are lost at the same time.

At the same time, do not write the password on the card. "Make sure that only the cardholder knows the password of the card himself".

Ensuring password security provides the first barrier to protect the safety of credit card consumption.

Two encryption: card signature + password mode

The second step is to sign your name on the signature bar on the back of the card for the first time.

In addition to the internationally used "signature" settlement mode, bank professionals recommend cardholders to choose the mode of "password + signature", which is applicable to the consumption of POS UnionPay, so that the use of credit card consumption has dual security.

At the same time, if the cardholder changes his address or cell phone number, he should notify the bank in time.

Three note: credit card monitoring process

The third step is to get stuck at any time and place.

Especially when dining in a restaurant, when a waiter asks for checkout at the service desk, he should take a card to go on his own to avoid cards being copied or stolen. He should always pay attention to the number of card cashiers.

Some cardholders will encounter repeated credit card status, for example, if the cashier mistakenly believes that the first card operation is not successful, then carry out second operations.

In this case, the bankers concerned remind you that the cashier must destroy the invalid consumption bill on the spot, or ask the merchant to cancel the duplicate paction on the spot, and ask for the cancellation of the proof of the paction, so as to avoid being repeatedly deducted.

Four confirm: check the confirmation slip carefully.

Finally, after checking the credit card, check the amount and the currency information correctly.

After the paction, try to keep the certificate for a period of time. Credit card pactions should hold at least the credential to the account date. The debit card paction should be kept at least until the confirmation of the query is confirmed.

These are all easy to check the bill, or submit evidence to the bank as evidence in case of dispute, or prevent personal data such as card number from being stolen by lawless elements.

Once there is doubt about the accounts, the bank should be contacted for the first time and actively cooperate with the staff investigation.

In addition, the banking professionals also reminded that when the cardholders found that the card was missing or the funds in the card were stolen, it would be better to report the loss to the bank first. After the loss of the registration card, the cardholder would no longer assume the loss of the stolen Caine.

The difference is, if the stolen stolen brush before, cardholders will face different fate.

If there is a loss guarantee service, the bank will verify it and make claims through the insurance company. The stolen funds will be borne by the insurance company.

The time limit for banks to report losses is different. Most banks follow this standard.