The main source for banks to make money by issuing credit cards is high interest rates. Once the user exceeds the interest-free repayment time, he will charge high interest, usually five ten thousandths of the interest every day.

Common domestic network platforms are: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.

This method mainly completes the repayment through the "Lacarra" smart payment terminal installed in the convenience store, which generally takes 2-3 working days to arrive at the account, and the repayment in this way is free.

Improper storage and handling of deferred data cards (expired credit cards with invalid tapes are not destroyed, or lost credit cards are not immediately invalidated, etc.). ), and personal identity information is inadvertently stolen or defrauded. In order to avoid such problems, citizens should not easily provide personal identification information, and it is best not to entrust others to handle credit cards.

The service personnel swindle the cardholder's consumption process, or steal his credit card information to other businesses for consumption. This situation can happen whether it is a physical business or a network virtual business.

Baidu encyclopedia-credit card