You think you know about credit cards, but in fact, you don't. The hidden rules of credit cards are often hard to prevent. No, I just got a credit card a few days ago, and I just learned that I can get a card. I called customer service to check the credit limit of 1 yuan ...

I thought I heard wrong, but later I decided that it was really 1 yuan. How could there be a credit card in 1 yuan that I had never heard of it? The customer service said.

It's only been more than seven years since the first credit card was issued, but the credit history has been very good. The mortgage is still in this bank. I really don't know what the people who are examining it are thinking. I have the face to give such a line. I am so short of money. I just need your dollar, and I will be rich.

I think sending this card to me is to insult me, so I'm not going to get it. I can't fulfill him and fulfill the task. Why do I feel like I'm on the hook with this 1 yuan?

In January, I bought a lot of things because I wanted to buy new year's goods, and my credit card was maxed out. In February, I didn't pay attention to it when I returned the credit card, so I accidentally wiped the change and paid back a dollar less. Later, I even paid more interest on 1 yuan, crying to death ...

A friend said: I was wrong once and paid back .6 yuan less.

However, it's not wrong, because the change of 1 yuan has not been paid off, and the interest and late fees have been deducted. What's even worse is that my overdue payment was reported to the People's Bank of China in March, and it was hacked by the evil bank!

Dear friends, don't owe money to credit cards. There is a saying that it is better to owe usury than credit cards. Do you know how serious the consequences are if you don't pay back money to the bank? The interest on compound interest scares you to death ...

Even if you pay less back to .1 yuan, most banks will calculate the interest according to the full amount owed. If you owe a penny, it will automatically be blacklisted, which will affect your credit information. This bad record cannot be eliminated!

In addition, this one yuan will accumulate interest at .5% of your original overdraft every day, which is quite high, but not at 1 yuan you owe.

I once saw a news: the overdraft was 6 cents, and it became nearly 1, yuan six years later. When I wanted to borrow money to buy a house, I found myself blacklisted by the central bank.

At the beginning, the arrears were 6 yuan. By April 1, 215, the overdue interest was 1,561.72 yuan, the late payment fee was 7,547.94 yuan, the overrun fee was 7.3 yuan, the annual fee was 15 yuan, and the consumption overdraft was .6 yuan, totaling 9,267.2 yuan.

It's terrible. If you owe a penny a year, you will be close to 3 yuan. If you dare to owe a dollar to the bank, the bank will make you "bankrupt". If you dare to deposit it in the bank for more than 3 thousand years, I'm afraid all the money will be gone!

The bank can give you less N yuan, but you can't take the bank for one more minute, even if the bank counter says you are not responsible for leaving the counter, but if you take 1, but take 11,, the bank will "want" you.

As we all know, if you don't pay back the money you owe, the consequences will be very serious. However, if you pay back one more dollar, it will be overdue and the consequences will be very serious. A friend recently planned to borrow money to buy a house of his own, but he couldn't do it.

It turns out that two years ago, she paid back her credit card once and paid back an extra dollar. She didn't know it, so the card was useless and didn't cancel it. This time, in order to buy a house, the problem lies in this dollar.

I paid back 1 yuan more, but I kept accessing it, which became an "overpayment bad debt", and the bank couldn't contact her. After a long time, it became a credit card bad debt, so I won't borrow this time.

So, don't underestimate a dollar, neither less nor more, and don't leave it to save trouble. This dollar may cause you more trouble later, but the butterfly effect is terrible!

how to effectively avoid credit card interest?

1. Don't leave a change when you repay

Cardholders must read the credit card bill clearly and don't leave a change when you repay. Although most banks have a tolerance repayment system at present, if you don't pay too much change in your credit card, there will still be a penalty interest.

2. Apply for installment repayment

If you can't repay your credit card in full and don't want to generate interest, the cardholder can choose to apply for installment repayment from the bank. The installment interest is generally zero interest, but there is a handling fee. If you owe a large amount, this is undoubtedly a good method. The handling fee with a fixed amount is always much cheaper than the interest.

3. bind the bank and make automatic repayment

If you can't remember the time and amount of credit card repayment, then I suggest you handle automatic repayment service, bind your debit card with your credit card, and the bank will automatically help you repay before the repayment date to avoid generating interest, but it should be noted that the cardholder should ensure that there is enough balance in the debit card.

If you have been in arrears for three times and still don't pay back the money, it will involve the crime of credit card fraud. The bank can sue you in court and put you in jail. At the same time, you have to pay a fine for every penny you owe.