The first type is that the annual fee will be deducted.

Except for some credit cards that are free of annual fees for life or are free of annual fees within the validity period, other credit cards will incur annual fees after opening the card. Although most banks' Jinpu cards can be charged by the number of card swipes. The annual fee is waived, but if you don’t use it for a long time and don’t use it the full number of times, the annual fee will still be deducted, let alone some high-end platinum cards with rigid annual fees.

The second type affects credit.

This follows from the first situation. If the annual fee is deducted from your credit card and you fail to repay it in time, it will become overdue after the last payment date. Overdue credit cards will affect your personal credit report. Once a bad credit record occurs, it will be retained on the credit report system for 5 years. In this year, it will be difficult to apply for bank loans and credit cards.

The third option is to reduce the amount.

If the cardholder’s credit card is not used for a long time after activation, the limit may be reduced. When a bank issues a credit card, it hopes that you will use the card for consumption. If it is not used for a long time or is rarely used, it will be considered that there is no need to use the card. CITIC Bank has issued a notice to reduce the limit of credit cards that have not been used for six months.

The fourth type is difficult to raise the amount.

When raising a credit card limit, the bank will make a comprehensive assessment based on the cardholder's credit and card usage. Therefore, if you want to raise the limit, you must maintain good credit card repayment habits. If you use the card less and do not use the card for a long time, the bank will They will think that this card is dispensable to you, so they will not easily increase your limit.

1. Credit card, also called credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

2. Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Provisions") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, An electronic payment card with full or partial functions such as transfer settlement, cash deposit and withdrawal, etc. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is Credit Card. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date.

3. Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card A debit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient to pay, the card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.