1. Credit card prompts regulate card use. Users must pay attention to the time of swiping the card, the amount of the card swiped, and the merchant where the card is swiped. The best time to swipe your card is during the business hours of stores and shopping malls. Although there is no limit on the amount of credit card swiped, do not swipe your credit card all at once.

2. As for credit card merchants, if you swipe your card to make a purchase at a merchant and there is a code skip, it is best not to make purchases at that merchant. As long as the user uses the card properly and the bank detects that the user has used the card normally for a period of time, it will lift the user's monitoring status.

Notes on the use of credit cards:

1. After the Spring Festival credit card boom, some new charges that were rarely seen in the past appeared on cardholders’ bills, such as over-limit fees. wait. The so-called over-limit fee refers to the additional overdraft amount granted by the bank after the cardholder reaches the total credit card overdraft amount, which is generally 10% of the original overdraft amount. The advantage of this is that the cardholder does not have to apply for a temporary increase in the limit or the card cannot be swiped; the disadvantage is that the cardholder has to pay an over-limit fee of 5% of the amount exceeding the overdraft limit.

2. In order to avoid being charged over-limit fees by the bank, some cardholders turn to the bank to apply for a temporary increase in the overdraft limit, usually by 10%-20%, and the period is usually 1 month. After the specified time, the credit card is restored to its original limit. Therefore, cardholders must clearly note the period of the temporary limit to avoid overdue credit card repayments. In addition, you should also pay attention to the over-limit issue of temporarily increasing the limit: if you use an over-limit overdraft in the second half of a month, it is likely that the over-limit amount will incur over-limit fees. For example, A's credit card overdraft limit is 50,000 yuan. On December 20, he applied to the bank to increase the temporary limit by 30,000 yuan, but he did not use the 30,000 yuan until January 15. By January 20, A's credit card overdraft limit was automatically reduced to 50,000 yuan. In fact, A had an overdraft of 80,000 yuan in January. The 30,000 yuan in between will generate a 5% over-limit fee. Therefore, before the credit card overdraft limit is automatically reduced to the original limit of 50,000 yuan, the cardholder should first repay the 30,000 yuan and control the unpaid amount within the overdraft limit of 50,000 yuan, so as to avoid overpayment. Limited fee.

3. People without financial income, such as students, should not apply for a credit card easily. Even if they do not use a credit card, they still have to bear the annual fee and other items. People who hold credit cards should give up using their credit cards and go through the card refund procedures in a timely manner. Otherwise, various credit card fees and subsequent interest, late payment fees, etc. will lead to personal economic losses and reduced credit, affecting mortgages, car loans, etc.