The essence of credit cards is personal small loans. Credit cards have now become an indispensable tool for us. Credit card loans have the lowest bad debt rate and higher returns. This is why banks vigorously develop credit cards. Credit cards can solve your urgent needs and accumulate personal credit.

CreditCard is a non-cash transaction payment method. It is a small credit payment tool provided by banks to users for consumption first and repayment later. The earliest credit card appeared at the end of the 19th century. Credit cards are divided into two types: credit cards and quasi-credit cards. They provide settlement services, facilitate shopping and consumption, and enhance a sense of security; simplify collection procedures and save social labor; promote product sales and stimulate social demand. A credit card is a special credit card issued by a bank or other financial institution to those with good credit status. It is a special card used for shopping and consumption at designated merchants, or for depositing and withdrawing cash at designated banking institutions.

Things to note when using credit cards

1. Do not borrow money from others, especially with CVV2 code

2. Don’t overdue it, as overdue money will cause bad debts and even credit problems.

3. It is best to keep a balance of 20% in your credit card.

4. Don’t overspend. Credit cards are only used for capital turnover. Don’t make the wrong positioning.

5. Don’t use cash tools indiscriminately. There are many POSs that have no points or low rates. You must understand that when you use a credit card, the bank also makes money. If the bank does not make money, The results can be imagined

6. For cards that are not used often, you should check the annual fee. Some are free of annual fees, and some require you to make a certain amount of transactions in a year before the annual fee is waived. If you don’t use it, , log out promptly.

Credit Card, also called credit card. It is a non-cash transaction payment method and a simple credit service.

A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. Consumers holding credit cards can go to special commercial service departments to shop or consume (now some small and medium-sized merchants in big cities can also access credit card collection through some aggregated payment platforms), and then the bank will settle with the merchants and cardholders. Cardholders can overdraft within the prescribed limit.

There are pros and cons for young people to apply for credit cards. For young people who have just started working, life is actually very stressful. When they first enter the society, they don’t understand many things very well, and their wages are generally not very high, because They have already started working, so it is not easy to lose face and ask their parents for money. For other reasons, young people have to borrow money. What is even more frightening is that some people will fall into the traps of pyramid schemes, Internet loan sharks and other unscrupulous organizations. So for young people at this time Credit cards are very important to people. Credit cards are issued by banks. The bank will give you a corresponding limit based on your creditworthiness. Moreover, overdrafts are interest-free for a certain period of time. Even after the interest-free period, bad debt charges will be charged. It is also quite transparent. In addition, basically every bank’s credit card has various activities, such as Bank of Communications’ 50% off activity every Friday, China Merchants Bank’s 0.01 yuan to watch movies (SPD and Everbright also have many activities), for those who like to eat, drink and have fun. It is extremely attractive to young people.

However, everything has advantages and disadvantages. Although credit cards are good, you must use them carefully. Don’t just swipe randomly when you have an overdraft limit, because the card you swipe will always have to pay. Yes, just in moderation!

Credit card can actually be understood very simply, using a simple example: a credit card is when the bank lends you a chicken, and after the chicken has finished laying eggs, the chicken is Show it to the bank, let the bank know that the chicken is still alive, and then continue to let the chicken lay eggs. The eggs are your own, and you spend some feed money. This is called a credit card.

But what you need to pay attention to when using it is that if you let the chicken lay eggs but don't feed the chicken enough, the bank can't stand it anymore and will take the chicken back.

(Card blocked and reduced)

Or if you kill the chicken directly, cook the meat and eat it, then the bank will definitely not give you chicken again in the future, and it will also make you pay double the amount of chicken ( Overdue)

So if you apply for a credit card, you must spend reasonably and repay it on time when using it!

I'm working in the card center, so I'll answer.

Let’s talk about the functions of credit cards, which is easy to understand. That’s what he can do:

1. Consumption first, repayment later. Return time ranges from 20 to 50 days.

2 installments, you can pay in installments to buy things, such as mobile phones. Don’t many college students like to buy these electronic products in installments?

3 The minimum repayment amount is 1,000 yuan. On the repayment date, the minimum repayment amount can be 100 yuan. However, some additional interest will be charged.

4. Fund turnover is generally used by small bosses.

5 Pre-authorization. Many car rentals require pre-authorization first, and then the payment will be deducted when you change the car. This pre-authorization is similar to the car rental company that pays a deposit first.

6 Credit cards are similar to small loans. There are billing dates and repayment dates.

What is a credit card? We can think of it as a pond. Credit card consumption means taking water first and then filling it. Of course, the amount of water taken is limited. If the water withdrawal exceeds a certain period, more water must be injected to repay it. It allows us to drink water first, so as not to die of thirst, and then return the water to others when we are able. This is the convenience brought by the so-called overdraft consumption of credit cards.

Credit card is really a good thing. You don’t have to think that it is a vampire before, specializing in sucking our money. Only after you use it do you realize that it is an angel and brings us many preferential benefits.

But there is a prerequisite for a credit card to become an angel, and that is to use it correctly. If used improperly, it will really become a vampire. Especially young people who have just started working can easily turn their credit cards into vampires, so you must pay attention to the following points when applying for a credit card.

1. Choose the credit card that suits you best

Young people who have just started working must choose a good credit card instead of blindly applying for it, because the rights of credit cards are not limited. Likewise, the preferential benefits brought to us are also different. It's just like you, a migrant worker without a car, don't choose to apply for the GF JD PLUS co-branded card, but instead apply for the GF car owner card. Aren't you missing out on a lot of preferential benefits? Because the GF JD PLUS co-branded card will give you a JD PULS annual card worth 198 yuan if you meet the consumption standards, and the rights and interests of the GF car owner card are more around private cars, such as cash rebates on gas.

2. Choose the card issuing bank to get more discounts and benefits

One thing that many novices will overlook is the card issuing bank’s preferential activities. This is also crucial, because these preferential activities can Saved us a lot of money. Just like Guangfa Card’s Friday super value Guangfa Day, which offers 50% off on various big brands, instant discounts on Meituan purchases, and some irregular activities such as Double 11 and Double 12, which can really help you clear your shopping cart.

3. The credit limit is sufficient, it does not need to be too high

Many young people who have just started working will always feel that the credit card limit is the first time they come into contact with a credit card. The higher the better, actually it is wrong to think this way. We have to decide based on our actual income. If you are used to spending lavishly, then you can't set the limit too high, as that will easily lead to huge debts. Therefore, the limit does not necessarily have to be as high as possible, it just suits you.

Another point is to choose one that is easy to pass and has a low threshold, just like Guangfa Card. The application threshold is low and you can basically pass it. It is more suitable for young people who have just started working.

Now you know what you need to pay attention to when applying for a credit card? Hurry up and choose a credit card that suits you best!

It is not recommended that you apply for a card if you have just started working. If you want to apply, it is recommended that the amount of the card you apply for should not exceed 30% of your salary. After all, you have just entered the society. It is not easy to say that you do not have the ability to control yourself and spend money. Regardless of your hands or feet, credit cards will harm you. After you have worked for a period of time and can effectively control your own money, it will be good for you to apply for a large-deposit card.

A credit card (CreditCard) is a special card issued by banks or other financial institutions to those with good credit status for shopping and consumption at designated merchants, or for depositing and withdrawing cash at designated banking institutions. A special credit certificate.

Young people who have just started working need to pay attention to the following when applying for a card:

1. Do not apply for too many cards. It is recommended that one is enough. As for which one to apply for, it depends on yourself. actual situation and preferences;

2. Remember to repay on time, late repayment will affect your credit and is not conducive to credit limit increase;

3. Remember the card settlement date, The last repayment date and how long is the interest-free period;

4. Most cash outs are illegal. Do not trust some third-party organizations that use cards to cash out or increase credit limits. These are not bad uses of credit cards. , once discovered, the bank will cancel the card. At the same time, personal credit will also have a bad record, which is not good for personal development. It will affect future purchases of houses and cars, or when you need to check your credit record for any business you handle. It is disadvantageous;

5. Don’t leave your credit card arbitrarily, and don’t lend it to others at will;

6. Once you have a credit card, you must use it for consumption, and do not leave it idle. Ordinary credit cards, They all have the right to waive the annual fee if you make a certain number of purchases or a certain amount of money. If the amount you swipe the card is not enough, you will have to pay an annual fee. Generally, the annual fee is several hundred yuan. The "swipe the card" mentioned here is not just a matter of using the card. Card swiping also includes official credit card app purchases. Each bank's credit card app is different. When applying for a card, the salesperson will also tell you. For example, the Bank of Communications' "Pay the Bill" app, you use the mobile app to make purchases. It’s also ok and very convenient. You can also bind Alipay for consumption;

7. Maintain good card usage habits.

Credit cards are the stepping stone for your credit investigation and the door to bank capital. Walter used 1,497 credit cards to purchase 21 properties and made a profit of 3.5 billion. /i6569480492893078023/This article may be helpful to you.

A credit card, also called a credit card, is a tool provided by banks to individuals to consume first and repay later. When a consumption exceeds an individual's current consumption capacity, a credit card can be overdrawn to meet this consumption demand.

When you first apply for a card at work, the limit will be relatively low. You can choose a joint-stock bank. Pay attention to spending more and paying back on time to increase the limit of the card. Special attention should be paid to distinguishing between the billing date and the repayment date. Be sure to complete the repayment before the final repayment date and avoid overdue payments. If it is overdue for the first time, you can call the bank to cancel it.

Different opinions or suggestions are welcome

If you are not clear about the difference between the billing date and the repayment date, you can consult at any time