Credit card is a kind of consumer credit certificate given to us by the bank. Generally speaking, as long as our personal credit information is good, we can handle credit cards in many banks. Credit card really facilitates our life, because it can help us solve problems when we are short of money. It can be said that credit card is a timely rain in the process of our economic pressure. But I believe that many friends may ignore some very important details when using credit cards. If we don't pay attention to these details, we may suffer some credit card charges. In this case, it will bring us an unpleasant experience when using credit cards. Now let's look at the four main details that credit card consumption must pay attention to.
First, never use POS machines to withdraw cash from credit cards. We know that credit cards can be used to withdraw cash, but a credit card can only withdraw a certain amount of cash. Moreover, * * * has to pay a certain withdrawal fee to the bank. Generally speaking, the rate is 1%. For example, if we spend * * * 2000 yuan, there will be a service charge in 20 yuan. Some friends are too clever. In order to save the cost of withdrawal procedures, I applied to open a POS machine, and then I swiped my card at my home POS machine to cash out. You can cash out many times by using the machine, but if you cash out many times, the bank will control the risk and may turn off your credit card consumption and cash withdrawal function, and then it will not be worth the candle.
Second, don't use up your credit card spending limit at one time. This phenomenon does exist in real life. Some young friends who are short of money, no matter how much money they have, try their best to use up their credit cards. Not knowing how to use this credit card is not good for you. The limit of a credit card is only 1 10,000 yuan. If you use it all at once, it is equivalent to an overdraft of 10 thousand yuan. With such regular consumption behavior, banks will think that you have a bad habit of excessive consumption, and the greater the risk of funds. That won't promote your credit card limit in the future, but it may be reduced.
Third, don't affect personal credit information because of overdue, and try to use the automatic repayment function of credit card. We know that credit card spending is easy, but it may become a bit passive when it comes to repayment. Many friends know their credit card repayment date, but on the repayment date, even if the bank has sent a warm reminder to repay on time, more than 60% credit card holders will still forget to repay. Because the pace of life is too fast now, everyone's life is under great pressure. Some credit cards are too busy at work and too many trivial things in life to be returned. Therefore, we must bind the repayment bank account and open the automatic repayment function of credit card to avoid overdue.
Fourth, don't give your credit card a dormant period, let yourself pay the annual credit card fee. Some friends have not made any credit card consumption behavior even within one year after applying for a credit card, because they may rarely use it. Although I didn't spend a penny, most banks have clear regulations: only when I use my credit card for a certain number of times or a certain amount can I be exempted from paying the annual fee. The former has been dormant for a year, so it has to pay hundreds of yuan to the bank every year. Then it's really ridiculous that your credit card bears the financial burden of the annual fee without spending.