1. If the credit card is no longer used, it is better to handle it this way:

1. If the credit card is no longer used, it is recommended that the customer directly apply for cancellation, especially for cards that do not waive annual fees. If you do not cancel it after not using it, the annual fee will be charged as usual, and the customer will have to repay it at that time. After the card is canceled, the customer can cut off the magnetic strip/chip and then throw it away; it can also be temporarily kept for collection.

2. Of course, if it is a credit card that directly waives the annual fee, it does not matter if the customer does not cancel it temporarily. There will be no charges anyway. However, the customer must pay attention to keeping the card to avoid accidentally losing it and causing security risks. .

2. If you want to say goodbye to being a card slave, you must do the following:

1. Spend appropriately according to your repayment ability. If you want to bid farewell to the "card slave" life, the first step is to make a detailed plan for your consumption. For example: a monthly salary of 5,000 yuan, excluding the rent of 1,500 yuan, and daily meals of 1,500 yuan, only use the remaining 2,000 yuan for reasonable consumption, reducing The demands of life naturally keep them away from the life of a "card slave".

2. Don’t let extra cards become a burden. Secondly, if you have more than 5 credit cards in your hand, you can first pay off the cards with no outstanding balances or relatively small balances as soon as possible, and then selectively sell 2-3 cards, or you can also apply to the bank to reduce the number of credit cards. The amount should be controlled within what you can afford. When you have large consumption needs, you can choose a bank consumer loan for planned consumption and repayment.

3. Keep the repayment date in mind. Don't underestimate the repayment date. During this period, you will be a high-quality customer. If you repay more than one day, your credit record will be bad, and excess interest and late fees will be incurred. It doesn’t matter if you really can’t remember the repayment date. You can write it down in a notebook, or you can set the final repayment date and repayment amount on your credit card on your mobile phone, and prepare for repayment one week in advance.

4. Don’t pay for items you can’t afford. With credit card money, remember not to pay for items you can’t afford to pay back! For example, buying a car, traveling abroad, investing in stocks, working out, buying luxury goods, etc. Although it looks very luxurious, only you know the hard days of repayment. If you really do this, then the day when you are no longer a card slave will be over. Not far away.

3. Do not increase the limit arbitrarily.

The credit card limit is high, so I am proud of myself when I say it, and I am firm when I swipe the card, but when I repay the money, I will inevitably feel a tremor in my heart. If the credit card limit is too high, once it is stolen, the loss will be huge, so the limit is enough.

Fourth, increasing sources of income and learning to restrain yourself are fundamental. To truly solve the pressure of credit card debt, the most fundamental solution is to find ways to increase your income. Only if your income can cover your credit card bills can you face it calmly. It is recommended that you overdraw as much credit card as you can afford. Only when the credit card consumption is within your affordability can the credit card exert its maximum value. To sum up, if your consumption control ability is not very good, it is best not to apply for too many credit cards, because credit cards require consumption first and then repayment. You will not feel it when you swipe the card. Once you repay, you will be dumbfounded, so it is still Consume rationally based on your actual economic situation.