Here’s everything you didn’t know about credit card shopping

by reallymake
January 17, 2022

With the development of online credit card payment gateway the Internet, online shopping has gradually become the focus of people's consumption, and offline supermarkets have become more and more places to buy food. But after all, online shopping is online, and there are still many problems that card friends can easily encounter. So what are the explanations and solutions to these problems that card friends are more concerned about?

01How to deal with online shopping theft

Some friends may not have experienced online shopping being stolen. Generally speaking, it is because we blindly clicked links when online shopping and entered an illegal website, which led to the leakage of company account management information and credit card fraud. Teachers should part 1. Time to call the police, report the loss, explain the development situation to the police and customer service, and apply for "lost card protection" to stop the loss in time.

How to keep your card safe when shopping overseas

Basically, domestic online shopping is rarely stolen, and information leakage is a very common thing, as long as the card number and password can be swiped, you can see it. To prevent cross-border online shopping from being stolen, the best way is to choose a reliable cross-border online shopping and formally install anti-phishing plug-ins.

03Is the refund counted as repayment?

I've seen a magic trick in many credit card usage tricks. Order an item before the billing date, after which the bill will be returned, which is considered a credit card payment. In fact, not all bank credit card consumption refunds can be calculated for repayment, which leads to overdue credit card repayments, so card friends should remember this.

04Whether there are points for online shopping

How practical credit card points are, I believe we don’t need to say more. Many friends who are accustomed to online shopping are actually most concerned about whether online shopping will generate points, but unfortunately, except for online purchases with co-branded credit cards, most online purchases with credit cards do not have points.

Generally speaking, we can only have the opportunity to earn points by opening the functional design of the credit card fast payment system, because although some of their commercial banks have no points, they can continue to accumulate points through fast payment market transactions. However, friends who use convenient and fast payment must pay attention that fast payment does not require tools such as U-shield, and only needs to pay the password to complete the data transaction. Therefore, small partners must pay attention to keeping their personal basic information to avoid being stolen.

05What are the advantages of Taobao co-branded cards?

In order to meet the needs of online shopping users, some banks have launched Taobao co-branded cards, which can generate points in Wang's stool. However, in other functions, it is not much different from ordinary credit cards. I think this kind of card is more suitable for Taobao friends who are heavyweight online shopping patients like Xiaobian to apply for use.

Who should bear the credit card fee in 2006

Online shopping is also a big problem, because some merchants do not support the settlement of credit card consumption. If you use a credit card for consumption, the merchant will ask the consumer to bear the credit card fee. In recent years, however, many voices have argued that it is unreasonable for consumers to bear credit card fees.