Credit card is a credit certificate issued by a commercial bank or credit card company to eligible consumers. Consumers with credit cards can go to the specialized commercial service department for shopping or spending, and then the bank stops settling accounts with merchants and cardholders, and cardholders can use them within the prescribed amount, including travel companies, bullet trains and airplanes. Once, advertising slogans such as "one card in hand, crossing myth" and "dragon in hand, dragon on earth" were familiar. Moreover, holders of credit cards can also enjoy services such as fast track at the railway station and special bank window at the airport as long as your bank credit card reaches a high enough VIP level and enough credit card consumption points.
1. With a bank credit card, you can enjoy an interest-free repayment period, and you can get credit services of spending first and then repaying.
When the bank stops granting credit to the cardholder, it is equivalent to giving the cardholder a credit line for a certain period of time. The cardholder can stop the consumption settlement within the credit limit of the credit card first, without insisting that there is enough cash in the bank card before spending. The cardholder can lend the bill amount for consumption before the interest-free period expires. The interest-free period of ordinary bank credit cards is 20-55 days, which is calculated according to the relevant rules of different banks and the details of the cardholder's card swiping day. For cardholders, cash can be arranged and used reasonably according to the interest-free period of credit cards, which can not only increase the scheme and arrangement of fund utilization, but also make rational use of interest-free period to manage money and increase the use value of their own funds.
Second, using a credit card can avoid the trouble of carrying cash with you when traveling abroad.
Nowadays, everyone advocates tedious travel when going out, and take as little things as possible. About cash, long-distance travel, many contact links, short stay time, in case of improper storage, or forgotten in any center, and so on, there will be risks such as loss. At present, mobile payment is widely used, such as binding credit cards on platforms such as WeChat, Alipay and China UnionPay Express. You can use these platforms for payment and settlement conveniently and quickly without carrying all kinds of credit cards, which saves the trouble of carrying cash for payment and settlement. Now, even if you go to the temple to make pilgrimages, there are receipt codes before the Buddha case, which is convenient for pilgrims to worship. If you bring cash, sometimes there is not enough change, which is even more inconvenient.
Third, using credit cards can alleviate temporary financial panic.
When traveling, you can spend first and then repay, travel first and then raise money, and have peace of mind, regardless of the lack of cash in hand. Even if you are short of cash during travel, you can effectively adjust the shortage of cash during travel, prevent distractions due to insufficient expenses, affect the mood of the whole trip, and reduce the quality of tourism.
Of course, using a credit card to travel should also arrange financial expenses reasonably according to one's income, so as to prevent a large amount from being paid in advance, which can only be borne beyond one's personal finance, resulting in excessive expenditure and lending out the current bill, or the credit card bill is overdue after traveling, which not only increases personal interest expenses, but also affects personal credit records.
With the bank credit card, as long as you establish a correct concept of using the card, manage it scientifically and use it reasonably, you will certainly realize the convenience of using the credit card and enjoy all kinds of card benefits introduced by various banks, which will help you travel with peace of mind, happiness and health.