1. Overdue repayment:

Once the credit card fails to repay on time within the due repayment period, a penalty interest will be charged at the daily interest rate of 0.5 ‰ from the overdue date until the customer pays it off in full. The longer the overdue period, the more penalty interest will be generated, and the more customers should repay.

The overdue situation will also be reported by the bank to the central bank's credit information system, leaving a bad record in the personal credit information report, resulting in personal credit damage. Credit cards may also be frozen and unusable.

2. Excessive overdraft:

If you spend blindly regardless of the credit card limit, and your credit card is always empty and exploding, the repayment burden of customers will be heavy, and the account risk will rise a lot, which is likely to be blown away.

3. Don't set the payment password:

If the card has no password, the security level of the account is not high, and it is easy to be stolen by others. Moreover, the responsibility for stealing the brush may be blamed on yourself, and personal money will also be damaged.

4. Illegal cashing:

If you cash a credit card with a POS machine, once it is found out by the bank, the bank is likely to close the account because it is illegal to cash out.

If you borrow money, it is convenient and easy to borrow money from the platform. Du Xiaoman's credit service products have money to spend, providing users with safe, convenient, unsecured and unsecured credit services. If you borrow money, you can go to Xiaoman APP (official measurement below). The daily interest rate of money consumption loan is as low as 0.02%, the annualized interest rate is as low as 7.2%, and the maximum loan is 200,000! It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest and expenses, and strong security.

References:

Du Xiaoman has money to spend on official website.

I would like to share with you the application conditions for consuming products with money: it is mainly divided into two parts: age requirements and information requirements.

1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide installment loans to students at school. If you are a student at school, please give up the application.

Information requirements: You need to provide your second-generation ID card and your debit card during the application process.

Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.