Category: Commercial/wealth management banking business

Problem description:

I have an American customer who requests samples. The customer agreed to pay the sample fee and freight, but offered to pay by credit card. The customer provided the credit++validity period and verification code (last three digits). Can you agree to the customer's requirements? If so, what should I do? Note: it is a new customer, and the amount is not high, just over 200 yuan. If you use telegraphic transfer, the handling fee will be deducted almost.

Analysis:

As far as I know, it is LZ. Do you use POS to pull wild cards?

If yes, please confirm that your company has applied for issuing foreign card receipts.

In addition, according to the card type of the guest, if it is a VISA credit card, it is necessary to open the foreign card acquiring service of VISA, and if it is a MASTER or AE, it is also necessary to open the acquiring service of similar cards.

So you can deduct money from this American guest's credit card.

Then because the guest's card can't be given to you, you must first authorize the American guest through the bank phone, and then make a logoff on your POS. The process is to manually enter the guest's++and then enter the amount.

In order to avoid unnecessary++reminding LZ, ask this guest for a power of attorney signed by himself, indicating that he agrees to pay XX yuan on a certain day, and record the transaction++.

Because the collection of foreign cards is complicated, and it is easy to encounter the phenomenon of unsuccessful offline transactions, it is suggested that LZ let this guest wire transfer to your account, which is more convenient.

Can I buy American bluehost with someone else's credit card?

The host detective said: you can definitely use someone else's credit card when paying. The most convenient payment in China should be Alipay. You can pay with AliPay.

Can I use someone else's credit card abroad?

Credit cards can be used abroad.

Credit card withdrawal

1, frequently use credit cards to win by swiping the cards. In daily life, credit cards are used wherever you can swipe your card. Regular use will definitely help cardholders to increase their credit limit as soon as possible.

2. Ensure the amount of credit card spending every month. It is best to generate at least 30% of the total credit card consumption records every month. If it lasts for more than half a year, the banking system can easily recognize the cardholder's spending power and actively invite the cardholder to increase the credit limit of the credit card.

3. Ensure that the credit card can be repaid in full and on time. This is very important for credit card holders who want to raise the limit. If you can't repay in full and on time, there will be a bad record of credit card repayment, which will not only affect the cardholder's personal credit information, but also greatly extend the time for credit card to increase the credit limit.

4. Enrich the consumption types of credit cards. Different consumption types will reflect cardholders' different consumption concepts and spending power, and will also affect the progress of credit card promotion to some extent. Within the scope of our power, we will increase the opportunities for large-scale credit card spending to promote the credit card limit as soon as possible.

5. Increase the number of applications for using temporary credit card limit. The repeated application and use of the temporary credit card limit also shows the urgent desire of credit card holders to increase the credit card limit, and can also speed up the process of increasing the credit card limit.

6. Actively apply for increasing the credit limit of credit cards. We can actively express the urgent hope of improving the credit limit of credit cards to banks through various channels, and actively provide relevant asset certification documents and relevant vouchers for the continuous improvement of their consumption power, so as to accumulate more favorable evidence for banks in system evaluation and improve the credit limit of credit cards as soon as possible.

Can American credit card sub-cards be used by others?

of course

You can swipe your card without showing your ID card. Generally, you need to show your ID card for a large credit card, but you don't need an ID card in the supermarket.

So it depends on what to buy.

Do I have to pay by credit card in America?

That's true in theory ... but parents usually use their credit cards and get permission ... parents will definitely not++you steal them ... so it doesn't matter.

It is mainly related to the fact that credit cards usually need to be signed, so signing in the United States is a felony.

However, it is no problem for the credit card owner to accept the bill.

Do I have to be a credit card user in America?

If you are not yourself, it is recommended to use UnionPay debit card instead of credit card, so you don't need to sign, just enter your password. There are discounts in many stores such as GAP, BananaRepublic, AnnTaylor, Guess, Apple, DFSGalleria Duty Free Shop, Macy's, Bloomingdales, Nordstrom, Sears, Costco, BarstowOutlets and so on.

At present, merchants who have opened UnionPay card acceptance business in the United States only accept UnionPay debit cards, but debit cards and credit cards can be cashed out at American ATMs that have opened UnionPay card acceptance business. However, the cash withdrawal by credit card requires a higher cash advance fee. At present, according to the national foreign exchange management regulations, each debit card can withdraw US dollars equivalent to 5,000 yuan per day. The credit card environment in the United States is very different from that in China: most merchants in the United States have not posted signs accepting bank cards, but merchants can basically use UnionPay debit cards as long as they have keyboards for inputting passwords; As long as there are any signs of UnionPay, PULSE and Citibank on ATMs in the United States, you can use UnionPay cards to withdraw money, and many ATMs have been equipped with Chinese operation interfaces. When using ATM to withdraw money in the United States, in addition to the formalities charged by domestic card-issuing banks, American ATM operators will also charge a certain service formalities fee, but the ATMs of Citibank, PNC Bank, United Bank (UCB) and Chase Bank will not charge this fee. The ATM operation in the United States is slightly different from that in China. You need to insert the bank card into the card slot and then take it out, and then the ATM screen will have an operation interface. If you don't take it out, you can't operate it.

At present, more than 200,000 ATMs in the United States have accepted UnionPay cards (including debit cards and credit cards), and key tourist cities such as Los Angeles, San Francisco, Hawaii, Las Vegas, new york and Washington can use UnionPay cards to spend money at merchants and withdraw money at ATMs.

This concludes the introduction of using other people's credit cards in the United States and whether it is illegal to use other people's credit cards in the United States. I wonder if you have found the information you need?