"The so-called credit card cashback means that after the credit card holder consumes the amount stipulated by the bank, the bank will return some money to the credit card holder."

superiority

1. Compared with ordinary bank savings cards, the most convenient way to use credit cards is for ordinary consumption, and there is no cash in the cards. In many cases, it is only necessary to return the consumption amount on time.

2. You can spend money without overdraft, enjoy an interest-free period of 20-56 days, and pay back on time without any charge (most banks will charge 0.5% interest on the day of cash withdrawal, and there will be a 2% handling fee, but ICBC will only charge interest).

3. It is not only safe and convenient to swipe your card when shopping, but also a bonus gift.

Special merchants who hold cards in banks can enjoy preferential treatment.

Accumulate personal credit, add credit records to credit files, and benefit for life.

4. Access to the whole country is barrier-free, and you can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo; (Note: Credit cards are only suitable for credit card spending. It is best not to withdraw cash, which is expensive and uneconomical. )

5. Credit card spending, extracting existing points from some credit cards, and various discounts and lottery activities throughout the year, so that you can always have surprises as long as you use the card; (Most credit cards have no points for online payment, but online payment is very convenient and fast. )

6. Mail the statement free of charge every month, so that you can grasp every consumer expenditure transparently; (Now advocating environmental protection, you can cancel the paper statement and change it into an electronic statement. )

7. Unique supplementary card function, suitable for husband and wife to jointly manage their finances or master their children's financial expenses.

8. The free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.

400 telephone or 5-digit short number prefixed with "9" provides 24-hour service, and the report of loss takes effect immediately, with zero risk of card loss.

9. Possession period: It is known that domestic credit cards are generally valid for three to five years.

Use the third-party platform (the domestic platform supporting credit card bill management is mainly Jujindou) to conduct business cooperation and provide preferential services for cardholders.

Which bank is good for visa card abroad? You need three cashback credit cards.

With the continuous improvement of national economic income, more and more people are eager to go abroad and see the world, but it is not very convenient to spend in RMB, so you can equip yourself with a visa credit card. Then, which bank should I apply for a visa card when going abroad? Here are some credit cards that can be cashed back without annual fee when spending abroad.

1, roncamus credit card

Annual fee-free platinum card, the cash back highlight of this credit card is "8% for overseas big-name merchants and 28% for overseas duty-free shops".

Most importantly, the card can issue a global payment platinum card (Visa version), and can enjoy up to 5 million aviation accident insurance, flight baggage delay insurance and card loss protection. In addition, foreign currency transactions can not only exempt foreign exchange fees, but also automatically purchase foreign exchange and repay directly in RMB.

2. Minsheng Visa standard credit card

Minsheng Bank Platinum, main card 600 yuan/year, sub-card 300 yuan/year. Free annual fee for the first year. If you spend 18 card or 50000 yuan (or equivalent foreign currency) in the current year, the annual fee will be reduced or exempted in the following year.

With Minsheng Visa standard credit card, you can cash back 1% in consumption abroad, 10% for offline consumption, and the cash back limit is $200 per month, 1 000 per year. There are also free foreign currency transaction fees, 50% off buffet for two people in five-star hotels and so on.

3. China CITIC Bank Tuniu Card (VISA Edition)

Unconditionally exempt the annual fee of 2000 yuan and the currency conversion fee for overseas transactions.

Customers can enjoy cashback in the United States, Canada and other 16 countries or regions after registering with Tuniu Visa co-branded customer WeChat/SMS, among which the cashback ratio for fashion department stores, restaurants and accommodation is 30%, and the highest cashback ratio for other offline consumption is 8%.

What does the postal credit card cashback mean?

I. Activity Time

202 1 65438+1October 21to 202165438+February 3 1.

Two. _ active object

Postal savings bank Zhi Ding Platinum UnionPay credit card holder

Postal savings bank dingya platinum unionpay credit card holder

III. Contents of activities

(1) Overseas online and offline transactions 1% cashback.

Overseas (including Hongkong, China, Macau, China and Taiwan Province Province, China) offline entity merchants and online merchants that can accept UnionPay cards (except some merchants restricted by supervision), cardholders can enjoy the cash back of the paid amount of 65,438 yuan +0% for each consumption through swiping the card, flash payment (including card flash payment and mobile payment) and China UnionPay Express APP. A single card can get a maximum cash back amount of 1000 yuan per natural month.

(B) China UnionPay Express Random Red Packet Activity

The cardholder registers the China UnionPay Express APP with his real name and binds the Postal Savings Bank Zhi Ding or Dingya Platinum UnionPay credit card. With the bound Zhi Ding or Dingya Platinum UnionPay credit card, he can get a random amount of China UnionPay Express Red Pack through mobile phone payment and consumption by the designated online merchants of China UnionPay Express APP. The maximum amount of red envelopes is 588 yuan, and the same user can get 1 red envelope every activity day.

Four. Detailed rules of the activity

(1) Overseas online and offline transactions 1% cashback.

1. This activity starts at 23: 00 on1October 202 1 day and ends at 23: 00 on February 202 1 day. All the time of this activity is Beijing time, and the trading time is subject to the trading time when the consumer enters the back-office system of China UnionPay.

2. Only consumer transactions transferred by UnionPay can participate in the activities. Transactions paid through UnionPay online banking and third-party platforms (including but not limited to PAYPAL, Alipay (including online banking payment and click Alipay express payment), Tenpay, etc. ) Don't participate in activities. This activity is not applicable to cash advance, overpayment withdrawal, tax refund, pre-authorization transaction and bank handling fee transaction (including annual credit card fee, credit card interest, cash advance handling fee, overdue penalty, etc.). ).

3. Cash back is based on the amount of RMB actually paid by the cardholder, and is calculated according to the amount of 1%, and the calculation result is scored. For example, the calculated cash back amount should be 1.056 RMB, and the actual cash back amount will be 1.05 RMB.

4. The cash back amount will be paid to the credit card account used for consumption within 5 natural days after the transaction. Cardholders can check the cash payment through the Postal Savings Bank.

5. The cardholder shall keep the account status of participating activities normal from the date of consumption to the date of cashback. If the cardholder has reverse transactions such as return, reversal and account cancellation, or the current account is in an abnormal state such as freezing, stopping payment and account cancellation. , will not cash back, Postal Savings Bank and China UnionPay reserve the right to deduct unqualified but issued cash back.

6. Under any of the following circumstances, their eligibility to participate in this activity will be restricted or cancelled, and the Postal Savings Bank and China UnionPay have the right to recover the paid cash back, including but not limited to: conducting false or illegal transactions, violating the rules of activities or improperly withdrawing cash back from credit cards, and being restricted from participating in UnionPay activities due to violations.

7. The goods or services purchased by the cardholder in overseas merchants are provided by the merchants, and it is up to the cardholder to decide whether to purchase them. Postal Savings Bank and China UnionPay do not provide any guarantee for the quality of goods or services provided by merchants. Within the scope permitted by laws and regulations, Postal Savings Bank and China UnionPay do not assume any responsibility for related matters or any damage caused by related goods or services. In this regard, cardholders should directly contact these merchants for handling and solving.

8. China UnionPay reserves the right to adjust the list of restricted merchants, mainly those defined by the regulatory authorities.

Overseas cashback ratio of longka muse card

Longcamus credit card users can cash back 1% for each transaction abroad, and designated merchants can cash back 8%.

1. Longka MUSE credit card users can enjoy 8% cash back when spending in overseas brand merchants on 14, with a maximum of $600 per month. In addition, cardholders can enjoy 8% cash back when spending their cards in five overseas duty-free shops. Bank users use MUSE credit card to pay overseas through VISA clearing network, and each payment can enjoy 1% cash back, with a cap of $500 per card per month.

2. The return of 8% of CCB Longka Credit Card to consumption abroad is an activity of CCB Credit Card, which can be used in combination with the above MUSE card activities, that is, the return of 16% is double addition. You can only participate in this activity if you register for overseas activities with CCB Longka Credit Card, but at present, you can only spend the whole amount in China, and the maximum amount of 8% is relatively small.

3. In addition, regarding the inquiry about the store address of MUSE credit card cashback: The global store location should reply to MUSE in the CCB credit card number "Longka Credit Card" to inquire about the specific store address that can be cashed back. Shops that are not on the list cannot be cashed back.

Operating environment: WeChat app version 8.40, mobile phone model Huawei mate30.

：

1. The cashback rate of overseas transactions of Longka is 8%. Cardholders who use Longka Credit Card in China will have the opportunity to obtain and participate in the overseas designated consumption of Longka Credit Card in this quarter, including the qualification of 8% cash cashback online and offline. The upper limit of 8% cashback for each cardholder every quarter is: JCB channel is equivalent to 700 yuan, VISA channel is equivalent to 100 USD, UnionPay channel is equivalent to 700 yuan, and large cashback is fixed cashback after reaching the consumption standard.

2. Dragon card is the general name of all bank cards issued by CCB, including debit cards, credit cards and quasi-credit cards issued by CCB, so all cards operated by CCB are dragon cards. The design feature of the dragon card is that the card face is dragon-shaped, while the debit card and credit card issued by CCB are all designed with dragons on them, so consumers are used to calling such cards dragon cards. China Construction Bank upgraded the function of the original product "Dragon Card Savings Card" in all directions, integrated the principles of financial card and silver card, and launched a comprehensive debit card product "Dragon Cartoon" for mass customers.

So much for the introduction of overseas cashback of credit cards.