The basic function of a credit card is to overdraw first and then repay. People often make credit cards more or less scary, and some don't pay back the money on time, resulting in bad credit and higher interest. Of course, in this society, there are more and more swindlers and many cases of stealing credit cards, but this can be prevented, so don't worry too much. On the bright side, there are more credit cards on the market now. In order to have more customers, each bank will launch many preferential activities. As long as you see the details of the activities and learn to use credit cards skillfully, you can still get great benefits.

First of all, the landlord is a credit card of CCB, and each credit card has a fixed billing date (this is included in the card letter sent to the landlord) and the due repayment date is 20 days after the billing date. For example, if the date of the landlord's bill is the 2nd of each month, then Bank No.2 will summarize the transactions and expenses of the landlord's credit card consumption/withdrawal from the 3rd of last month to the 2nd of this month, and make a bill, as long as the landlord is here.

Secondly, the question of interest. If the landlord overdraws with your credit card, the bank will charge you interest. In addition, if the bill is not repaid in full, the bank will charge interest. The interest rate is 0.005% per day from the date when the landlord withdraws cash or swipes the card. For example, if the landlord takes 2000 yuan in cash, the interest is 1 yuan/day (2000*0.05%), and the withdrawal fee is 0.5% of the withdrawal amount. The minimum 2 yuan is the principal of 2,000 yuan, and the withdrawal fee = 2,000 * 0.5% =10 yuan. Suppose the landlord takes the cash and pays it back within 30 days, with a total interest of 30 yuan. Therefore, the interest on cash withdrawal from credit cards is not very low, so the landlord should try not to take it, and even if he does, he will pay it back soon.

Thirdly, the problem of stealing brush, how can stealing brush happen? In one case, online consumption reveals personal information on informal websites or through chat tools such as QQ, and criminals steal it with the landlord's card information, so we must protect personal information, especially information related to card information, and don't tell others. In another case, when you travel abroad, when you swipe your card in the store, the card is copied and then stolen. In this case, you must also swipe your card in a regular store, not in a small shop. If you want to use it, you must use cash.

Finally, preferential activities, CCB's recent activities are good, quite a lot. I suggest going to their credit card homepage to read more. Impressed, such as Haagen-Dazs 12% discount, credit card bound to WeChat bound to mobile banking return 10 yuan phone bill, etc. It depends on the landlord himself.