2. Credit cards should be diversified, such as shopping malls, department stores, supermarkets, hotels, restaurants and entertainment places. Be careful not to spend money in the same store all the time, avoid swiping credit cards, and don't always swipe cards during the business hours of unconventional businesses such as early morning and midnight.
3. Be sure to repay on time to avoid overdue.
Credit card is one of the fastest-growing financial services, which can replace the traditional cash circulation to a certain extent. Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers.
Credit card limit, also known as credit card available limit, refers to the maximum amount of credit card you can use, including credit limit (that is, the maximum overdraft limit of credit card) and the amount deposited in credit card.
The amount of any credit card depends on the effective income provided by the individual during the application process and the value of the asset guarantee. The credit limit of a credit card is positively related to the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit. Therefore, the applicant must provide proof of income, provident fund social security and asset guarantee statement. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.
Although banks emphasize the interest-free period when promoting credit cards, most people are not very clear about the rules of interest-free period, thus spending a lot of money. Maybe this is nothing in real life, but banks don't think so. Consumers have to pay interest if they fail to repay in full, and they do not enjoy the interest-free period (daily interest = the remaining unpaid amount of the day * interest rate). It is recommended that you pay in full when you repay, so as not to cause greater losses.
Every credit card has a hidden overdraft limit. When you swipe your credit card, it's easy to use the over-limit line. Once the overrun is used, it means paying a high overrun fee. Many consumers have a bad grasp in the process of shopping, and credit cards are often maxed out. I suggest you apply to the bank in advance to increase the temporary limit, which will not only avoid the explosion of credit cards, but also increase the credit limit.
In our daily life, we often encounter the situation that the capital turnover is ineffective. At this time, you can choose the minimum repayment limit to repay, which can ensure that your personal credit record will not be affected, and there will not be too many late fees. However, it is important to note that the minimum repayment amount must be paid in full, otherwise you will encounter a high late payment fee.