How can I spend money without my credit card? It's actually very simple!
With the continuous popularity of credit cards, more and more people tend to use credit cards for consumption in their daily lives. They will take out their credit cards and swipe them wherever they can. Sometimes we inevitably encounter situations where we don’t have a card, but we need to use a credit card to make purchases, so what should we do? In fact, you can spend money without your credit card, and there is more than one way.
However, there is a prerequisite that the merchant you want to consume from must support credit cards. If it does, it depends on the merchant’s application scenario, such as online or offline consumption.
1. Online consumption:
Generally refers to online consumption, mainly in some e-commerce malls. The simplest one is Taobao shopping. Just remember the credit card and CVV2 code. , mobile phone verification code, transaction password and other information, even if the credit card is not with you, you can still consume.
2. Offline consumption:
There are two common consumption methods, namely consumption through POS machines and consumption by scanning QR codes.
Among them, swiping the POS machine for consumption means binding the credit card on Alipay or WeChat before swiping the card, and then adjusting the QR code of the bound credit card when swiping the card. Put the phone close to the POS machine and click a beep. To complete the payment, you do not need to enter the payment password for a single transaction of less than 1,000 yuan.
Scan code consumption means using your mobile phone to scan the QR code given by the merchant. For example, if an Alipay merchant has opened a credit card collection service with a collection code, you can use Alipay to scan the collection code and choose to pay. The method is credit card, and then enter the transaction password.
To sum up, you can make purchases even if you don’t have a credit card nearby. The premise is that the consumer merchant can support credit card payment, and there are many payment methods. As for which method to use for consumption, this will depend on your needs. It depends on the consumption scenario.
How to swipe the credit card if you don’t have it with you
If you don’t have the credit card with you, you need to get the credit card back if you need to swipe the card for payment.
Credit card payment is required;
Confirm the payment with the card payment password signature.
When swiping a credit card, please pay attention to the following points: ① First check whether the transaction amount listed on the consumption bill is correct, and pay attention to whether the consumption currency and uppercase and lowercase amount are correct; ② When swiping the card, be sure not to let the card Keep it away from your sight to prevent the card information from being stolen; ③ After the transaction is completed, please check your bank card to make sure it is your own bank card; ④ After the transaction is completed, please keep the cardholder's root link for verification< /p>
1. Credit card
CreditCard, also called credit card. It is a non-cash transaction payment method and a simple credit service.
A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.
Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.
A credit card is generally a special carrier plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. The name of the card issuer, validity period, number, cardholder name, etc. are printed on the front, and there is a chip on the back. Magnetic strip, signature strip. Cardholders can use their credit cards to shop and spend money with special entities and deposit and withdraw cash from banks.
There is no need to pay cash when making purchases with a credit card. Repayment will be made on the billing date (BillingDate).
Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.
Credit card swiping
The first is the personal behavior of the cardholder. The cardholder plays the trick of "other people swipe their own card for consumption" and swipes other people's shopping accounts into their own card. In the way of increasing points, shoppers can also return cash to the cardholder. This is really a double benefit for the cardholder. Because many banks have launched value-added services when issuing credit cards, and launched activities such as exchanging consumption points for gifts, in order to attract people's enthusiasm for applying for cards and spending.
The second is that cardholders cooperate with merchants or certain "loan companies" and "intermediary companies", and cardholders obtain cash by paying merchant handling fees. Generally, the merchant's POS machine is used to conduct false transactions, and the amount on the credit card is transferred. The merchant or "loan company" or "intermediary company" pays cash on the spot (paying cash to the cardholder), and the cardholder pays the merchant The handling fees are lower than those of banks.
How to use credit cards without a credit card
A large part of the reason why credit cards are so popular is that they can be used for overdraft in advance. Of course, there are also reasons why you can sometimes enjoy many discounts when spending with a credit card. Therefore, many people swipe their credit cards to pay for transactions when making daily purchases. So, how do you use your credit card if you don’t have it with you?
If the credit card is not with you, you can conduct card-less transactions. The cardholder only needs to provide the credit card account number, validity period and "last three digits" information to achieve offline transactions. Many people book hotels, air tickets, etc. through cardless transactions.
As long as your credit card has the online payment function enabled, even if the credit card is not with you, you can scan the QR code to complete the payment by logging into the credit card APP or mobile banking; or bind the credit card to Alipay or WeChat Come up and pay.
However, everyone also needs to pay attention to the fact that cardless transactions are now possible, so as long as you have the relevant information, you can make purchases without a physical card. Therefore, everyone must take good care of their credit cards to avoid information leakage and credit card theft by others.
The number behind the credit card is the CVV code belonging to the credit card. That is, on the back of the credit card, there are 7 digits after the signature line. The last 3 digits are the credit card's CVV code, commonly known as the "security code." For security reasons, banks cannot query the validity period and CVV code of all credit cards. It is a checksum used for authentication. To prevent fraud, these three digits must be kept secret.
The CVV2 code is as important as the credit card password, but it is easily overlooked. You must be vigilant and do not leak the number easily. Since some websites, especially overseas websites, do not require a password when paying via credit card network, the transaction can be completed by simply passing the password, validity period and CVV2 code.
1. Bill date:
The bill date refers to the bank’s regular monthly summary and settlement of all transactions, expenses, etc. on the credit card account for the current period, and calculation of the current period’s interest, total amount owed, and minimum Repayment amount.
For example, if your billing date is the 20th, then credit card transactions before the 20th of each month will be counted in this month's billing, and transactions after the 20th will be counted in the next billing cycle.
The billing date is fixed, the date of birth shown on the credit card application form (date of birth 29/30/31, the system is randomly configured to 4-28). See Billing Tips for details.
2. Last payment date:
It is the last date on which you pay off your current credit card balance. No interest will be paid before this date. If the final payment date is exceeded, interest will be calculated. So please remember the last payment date.
Card usage tips:
On the day of credit card consumption bill, the interest-free period is the shortest, 20/26 days;
After paying the bill with a credit card, the interest-free period is the longest 50/56 days.
This ends the introduction on how to swipe a credit card without a credit card and how to swipe a card without a credit card. Have you found the information you need?