1, annual fee. Most credit cards charge an annual fee, which will be added to the cardholder's repayment.
2. Value-added services. If the cardholder opens some credit card value-added services launched by banks, the fees of these services will be automatically deducted from the repayment.
3. It's expired. If the user has a credit card that is overdue, in addition to paying off the money that should have been paid back, he will also be charged a late fee and penalty interest, which will also be included in the bill.
4. overdraft cash withdrawal. After users use credit card to overdraw cash, the bank will charge a certain interest and handling fee.
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1. After the credit card is overdue, there will be penalty interest every day. After the credit card expires, you can't enjoy the interest-free period. Daily interest is included in the total amount payable and is compound interest. If you owe more, it will be calculated by compound interest, resulting in a large amount of arrears.
2. There will be no penalty interest after the overdue arrears in the credit card are paid off. If you can't pay the arrears, you'd better negotiate with the bank for repayment, the interest will be reduced to some extent, and the liquidated damages can be recovered. The repayment negotiated with the bank can be made in installments, basically interest-free. If you want to enjoy interest-free, you need to provide proof of your ability to repay the loan.
3. Credit card security:
1) Don't disclose information.
Don't disclose personal information to others easily, including your ID number, bank card number and other information, and you can't give your bank card and credit card to others for use. If you have any questions and need to report the case, please go to the bank and other financial departments in person or report the case to the local public security organ. Don't call the police according to the phone number provided by the fraud suspect.
2) Pay attention to the safe use of online banking.
Install necessary anti-virus and anti-Trojan software and online banking security controls, confirm that you are logging in to the real bank website, do not easily receive strange files, and do not easily use other people's computers to log in to online banking.
3) Be vigilant when using self-service banks.
At present, the door of self-service bank has been gradually transformed into a button-open type. When withdrawing money from the self-service bank, if you find suspicious equipment at the entrance and exit of the self-service bank or prompt "Confirm by password", don't swipe your card and enter the password, and report to the bank and the public security organ in time.
4) Pay attention to separate the card from the ID card.
In life, many people put their ID cards and bank cards together. Once lost or stolen, the cardholder's funds are likely to be lost.