When consumers apply for a credit card, commercial banks will conduct a review of the applicant's qualifications and assess the applicant's qualifications through various aspects such as work unit, salary, bank flow, fixed assets, etc. This is actually a review of the individual's qualifications. An assessment of the economic situation was carried out.

If the applicant does not meet the application conditions or the personal debt ratio is too high, it will be difficult to pass the credit card approval. Even if the applicant barely passes, the credit card limit obtained is often lower, so it is explained on this point Applicants who get high-limit credit cards already have good repayment capabilities. When cardholders use credit cards, they can spend a fixed monthly amount, just like regular mobile payment or cash payment. There is no need to deliberately consider the extra credit limit on the credit card, just treat it as "nothing", but when you use the credit card to pay for daily consumption, you will find after a few months that except for the full repayment of the credit card once a month, the cardholder After using it for a period of time, you will also find that some shops can use credit cards to get discounts, and you can enjoy activities such as "three people traveling together for free", "half price on Fridays", "accumulating double points for consumption" and other activities. You can also travel abroad without any hassle. For cash consumption, even if you are traveling to multiple countries, you don’t have to worry about consumption payment problems caused by currency inconsistencies.

Some savvy cardholders will also invite good friends to dine at stores with designated promotions on their credit cards during normal dinner parties, which can also save a lot of daily expenses. If the cardholder is afraid that the actual consumption amount will continue to increase after using the credit card every month, he may consider using the accounting function. Every consumption is recorded in the mobile APP account book, so that you can compare it with the consumption situation of the previous month, and you will not worry about being unable to repay due to excessive consumption.

This can not only ensure the monthly increase in revenue and expenditure reduction plan, but also avoid the situation of being unable to make ends meet. Even during the use process, there are expenditures on large-ticket items such as home appliances and decoration, which results in the inability to repay in full in the short term. Credit card repayments also have two delayed functions: installment repayment and minimum repayment. Cardholders can delay repayment through this function, and achieve rational capital turnover while reasonably managing their living income and expenses. This is also a better way to use the "gap" for daily consumption. Some consumers are still worried that their consumption amount will gradually increase as their credit card limit increases. At this time, they can also proactively call the credit card customer service center and ask the customer service staff to help reduce the credit card limit, which can reduce it to The amount you can afford will allow you to feel more confident when spending in the future, and your worries will disappear.