If there is no date limit, just remember to pay back. Now many people are dissatisfied with Sika. In fact, the biggest problem is that people do not really understand their own needs and the functions of various cards before they apply for cards. Bian Xiao tried to make a simple popularization of credit card knowledge, hoping to make everyone more proficient in using credit cards!

There is a charge for card replacement or replacement.

Since you choose to use a credit card, you should be careful not to forget your password, lose your card or damage it, or you will cry to death in the face of high handling fees.

Free annual fee for the first year

Credit cards are swiped more than 6 times a year, and the annual fee for the second year is exempted. If you forget to brush it for 6 times, call customer service as soon as you find an annual fee, and then brush it for 6 times quickly, and the annual fee can be refunded.

I lost my credit card.

Don't report the loss, first check whether it has been stolen. If not, call to adjust the credit limit to 0, or cancel the card, or adjust the credit limit to 0 by yourself in online banking (you can recover a few K or W at any time, but not by phone). If it has been stolen, report the loss if it exceeds 60. If it does not exceed 60, cancel the card or adjust the limit to 0, because it costs 60 yuan to report the loss. (If it is not too much, it is recommended to directly return the card or adjust the quota, because it takes a lot of time and energy to apply for compensation, and it is likely that you will not get your money back. If you haven't reported the loss of your card, then go to the bank and fill out a credit card application form with different card types, only write your ID number and signature, and nothing else needs to be filled in. After getting a new card, the telephone customer service asked to restore the quota. (Because you need 20 yuan to apply for a replacement card, but it is free to apply for a new card. Soon. )

Try to repay in full.

If there is no full repayment, the total consumption will be calculated at five ten thousandths of the daily interest from the date of swiping the card. When you pay back the money, you should pay back the handling fee and arrears first, and then pay back the money you brushed. The minimum repayment amount can sometimes be tried, because the minimum repayment amount helps to increase the credit limit. When applying for a credit card, it is generally required to fill in the minimum repayment amount or full repayment. Generally speaking, credit cards have an interest-free period, which varies from bank to bank, usually about 50 days. Fill in the full repayment, and pay in advance by credit card 1 0,000 yuan. If the interest-free period has passed, the liquidated damages to be paid are generally 5% of the amount owed, that is, 50 yuan liquidated damages will be paid every day. If it is not paid back for more than one month, it is owed to the bank for a long time 1500+ 1000.

If you are busy at work and are worried that you can't remember the repayment, you can apply for a savings card at the same time in the bank that handles the credit card and sign a repayment agreement with the bank. On the last day of the interest-free period, the bank will automatically deduct money from the savings card.