(1) If the new version of Yin Zhilong Card is not activated, the bank will not charge an annual fee. If you need to use it in the future, you can open it within the validity period of the card (the validity period of the card is on the front of the card, at the lower right of the card number, with a slash inside, in the form of "month/year". For example, write it as 12/650. After the expiration date, the card will be invalid, and the bank will not change the card without opening it. )
(2) If it has been activated and fails to meet the trading conditions, the bank will charge an annual fee. The specific annual fee policy is as follows:
If it is a gold card, the annual fee is 160 yuan/year. If you swipe your card or withdraw cash (unlimited) three times a year, the annual fee will be reduced.
Credit card consumption skills:
(1) Note that the billing date and repayment date are 20 or 25 days after the billing date, so pay special attention. Also, if you swipe your card one day after the bill date, the interest-free period is the longest. Credit card is swiped the day before the billing date, and the interest-free period is the shortest. Remember! ? Protect the information on the credit card The three most important information on the credit card are card number, expiration date and CVV code, which affect the security of using the card. CVV code is the most important. It is as important as the credit card password. Remember to remember these three numbers. CVV code can be covered with correction fluid or sticker, or it is safest to scrape it off with a blade.
(2) Credit cards should be used frequently, and the annual fee can be waived if you swipe more. It is advisable to use it frequently after handling the credit card, because the annual fee can be waived if the credit card is swiped six times. So you have to brush it at least 6 times, so you don't have to pay an annual fee. In addition, there are many credit cards and frequent credit card spending, which can increase the credit card limit. ? To repay on time and improve the credit limit, it is necessary to repay on time, which can maintain a good credit record and is also a way to improve the credit limit. In addition, there is another way to increase the credit limit, that is, do more credit card installment, so that banks can make your money and withdraw cash faster. This method requires a certain cost, so remember to use it carefully. ?
(3) Choose the repayment method that suits you. Credit card repayment methods are diverse, and you don't have to go to a bank outlet or ATM to transfer money to repay. Credit card repayment methods include Alipay repayment, Tenpay repayment, online banking transfer repayment, Lacarra repayment, debit card binding automatic repayment, UnionPay online repayment and so on. Therefore, choose the way that suits you and repay the loan on time in the quickest and most convenient way. ?
(4) Do I need to set a password for my credit card? Opinions vary. Credit cards are safer without passwords, but only if the bank provides you with protection against card damage. According to our consumption habits, it is better to use the combination of signature and password to swipe the card. ?
(5) Clever use of official credit card WeChat to remind consumers. Nowadays, many credit cards can immediately remind consumers by paying attention to the official micro-signal of credit cards and binding credit card accounts. Remember to develop good credit card habits, protect your credit card information, and apply for loss reporting in time once you find lost or leaked information to prevent the loss from expanding.