Four taboos on using credit cards

There are also many things you need to pay attention to when using credit cards. If you don't pay attention, you will overspend, which will cause great trouble to your future life. You must keep these four taboos in mind when using credit cards.

1. Lend it to others for use

The bank card can only be used by yourself. If you lend it to others or rent it to others, the card-issuing bank will order you to make corrections and return the card to you. A fine of not more than 1,000 yuan shall be imposed. Therefore, those who legally hold credit cards must pay attention. This is an illegal behavior. If it is found out, it will cause you a lot of losses. If you want to increase your credit limit in the future, it will be impossible.

2. Failure to report the loss and reissue in time after the loss

Many people must think so. If you report the loss and reissue a credit card after it is lost, you will have to pay money. Anyway, the money owed on the credit card has been paid off. Once the validity period of the card expires, the card will be automatically invalidated. But everyone knows that this will cause you unnecessary risks and troubles. According to the bank's regulations, when a credit card is lost, it should be reported to the bank immediately. After the loss report procedure is completed, the cardholder does not have to bear any responsibility for the change.

3. Deposit your salary into a credit card

Some people may come into contact with it frequently in their daily lives, such as accountants. However, it is sometimes very inconvenient to store these in salary cards, and the procedures are relatively cumbersome when you want to use them. Some people will deposit their wages into credit cards for convenience, but in fact this is a violation of regulations.

Article 60 of the "Banking Business Management Measures" stipulates: If the company's funds are deposited into a personal card account, the People's Bank of China shall order it to make corrections and impose a fine of not more than 1,000 yuan. So if it's okay, don't cause trouble for yourself.

4. Use credit cards to cash out

Many people will use POS machines to cash out when they don’t have enough cash. They think that it is convenient and does not have to pay interest. It kills two birds with one stone, but this is no longer the case. This is a serious illegal act, and once discovered, the consequences will be very serious. In serious cases, they will also be punished as illegal business crimes.

How to save yourself if you owe 500,000 on a credit card

What are the ways to save yourself if you owe 500,000 on a credit card? You can overdraft your credit card to get money, but it is not recommended that you overdraft. This will bring a lot of pressure to your future life. Here is a way to save yourself if you owe 500,000 on a credit card.

1. Get rid of the root cause ideologically: control desires and improve self-control

The fundamental reason for card addiction is impulsive consumption. Impulsive consumption kills people. The limit of credit card is just such a small amount. eroded. I wonder how much money I have in a month, but I wasted it in such a hurry.

2. Change consumption habits: Reduce the number of credit card swipes

In this way, you can deeply feel the length, width, depth and speed of money rolling away like a river. One of the reasons why swiping credit cards “helps” us become card slaves is that we cannot experience the painful feeling of spending real money.

3. Make good use of credit card discounts, save money and be smart

Using credit cards well can also help save money, such as car owner’s card discounts on gas and car washes; supermarket card swipe bonuses Refunds; shop discounts with CMB cards, etc. As long as it is used rationally, it can also help card slaves who worry about repayment every day save money while maintaining their style.

4. Hold on to the bank and discuss repayment expedients

If you have too much overdraft and you really can't afford it, you can only ask your creditor for help. Banks are essentially businessmen. Although they will threaten you in various ways to recover the money, they will not be willing to go to court with you as a last resort, which is time-consuming and labor-intensive. If you really cannot repay the loan on time in a short period of time, you can discuss it with the bank, and be sincere.

5. Unbinding credit cards for fast payment

A must-read for those who want to shop online. Now that the Internet is so developed, a mobile APP can realize "shopping all over the world without leaving home" "goods" realm. For this "hand-picking" card slave, although unbinding credit cards for quick payment is like cutting off a strong man's wrist, it cannot cut off the claws of impulsive consumption.

Is it better to raise flowers or keep a credit card?

Is it better to raise flowers or keep a credit card? In the past, many people used credit cards so that they could use their credit cards when needed. Emergency.

But nowadays, many young people tend to use Huabei, because it is more convenient to open and use Huabei, and the operations can be completed on Alipay.

So, is it better to keep flowers or credit cards? Huabei and credit cards are essentially the same. They are both consumer credit products. You can consume first and pay later. They have a certain interest-free period and almost all have a daily interest rate of 15,000.

The advantage of Huabei is that it is actually very convenient to open and use. You only need to have an Alipay account and have a Sesame Credit score of more than 600 points to be eligible to apply for Huabei, and there is no annual fee for Huabei. However, the installment fee for Huabei bills will be higher.

Applying for a credit card is more troublesome. It needs to be strictly reviewed by the bank, and you need to have a stable job and stable income. People with bad credit records will most likely be rejected by the bank. Issue a credit card. But the advantage of credit cards is that they are widely used. You can almost use credit cards both online and offline.

The above is the relevant content about how to use credit cards. I hope it can be helpful to everyone!