Bankers said: "The more bank cards, the better, especially credit cards. If the credit card functions and benefits of different banks are different and users can make appropriate choices, then there is really no need to have two credit cards in the same bank. " Taking the credit card of China Merchants Bank as an example, he said, "Like the companion card of China Bank, it not only has the function of ordinary loan, but also can exchange points for mileage. Many users who often fly can return their original ordinary cards after handling them. There is no loss to users. "

● High annual fee does not mean high service.

Among the current credit cards, the handling fees of banks vary greatly. For example, the most expensive annual credit card fee of China Merchants Bank is in 300 yuan, while the annual international gold card fee of ICBC is in 200 yuan. Is the service as expensive as possible? "The different annual fees only show that the marketing strategies of banks are different. Some banks attach importance to developing high-end customers, while others aim at ordinary working-class people. " An industry insider said that users don't have to stick to the annual fee when choosing a credit card, and a credit card that is more suitable for their own needs and convenient to use is the first choice.

● Three cards are enough for one person.

In the face of various bank cards, how to use them together is the most reasonable? How many cards does the bank staff have? Bank insiders said: "For ordinary wage earners, a savings card (debit card), a quasi-credit card (quasi-credit card) and a credit card (credit card) are enough." He analyzed that debit cards can undertake the function of saving; Quasi-credit cards can save interest and can also be properly consumed; Credit card loans when buying large items in an emergency. This combination can fully meet the needs of ordinary people's lives.

Myth: Pay or Earn?

If you apply for a credit card and can't use it correctly, it may bring you huge losses and troubles.

● misunderstanding 1:

Credit card savings can earn interest.

Compared with savings cards, deposits in credit cards have no interest. The advantage of using a credit card is that the cardholder can pay by credit card or withdraw cash by overdraft within the credit limit approved by the bank, then repay the loan, and enjoy a certain interest-free period when shopping.

● Myth 2:

Credit card deposits are overdrawn.

Many people think that putting a lot of cash into a credit card can increase the overdraft credit limit. In fact, this is a complete misunderstanding. The credit limit of the cardholder has nothing to do with the amount stored in the card. When a customer applies for a credit card for the first time, the bank will grant him a corresponding credit line according to his credit status. To increase the credit limit, you should apply to the bank again.

● Misunderstanding 3:

Interest-free period for overdraft withdrawal

The staff of China Merchants Bank told the reporter: "There is no interest-free period for credit card overdraft withdrawal. From the date of overdraft withdrawal, the daily interest shall be calculated at 0.5 ‰ of the overdraft amount. Credit card withdrawal also requires a certain handling fee according to the transaction amount. This function of credit card is mainly to meet the urgent needs of cardholders. "

● Misunderstanding 4:

Credit card account number is not important.

According to the relevant card rules of Visa and MasterCard, customers only need to provide the card number and expiration date (sometimes they need to provide the three digits on the back of the card) when using the credit card online. Therefore, if the credit card number is leaked, the property may "disappear" in the network. Banking professionals reminded that credit card holders should not only collect their cards, but also send bank statements and password notices to a safe address.