The use of credit cards is very common now. Whether in entertainment places or in daily life, we can see how much credit card consumption of a bank has decreased over the years, so the appearance rate of credit cards is quite high. It is very convenient to use, and it can also be overdrawn. But do you know what problems should be paid attention to when using credit cards? Today, let's sum up the matters needing attention when using credit cards:

1. Distinguish between credit cards and savings cards.

The front of the credit card is printed with the cardholder's name pinyin and the validity period of the credit card, while the front of the savings card does not have the cardholder's name pinyin, and most savings cards have no validity period. Although credit cards can save money, there will be a renewal fee when withdrawing money, so it is necessary to distinguish between credit cards and savings cards to avoid unnecessary handling fees when withdrawing money.

Don't spend too much money yet.

For cardholders who have just got a credit card, the down payment should not exceed 50,000, because more than 50,000 will be subject to risk monitoring. And there is a time limit for credit card swiping. For example, hotels can swipe their cards 24 hours a day, and supermarkets should not swipe their cards after 22:00 at night. Otherwise, the bank will spend 1 0,000 yuan in a shopping mall at 00:23 in the morning. Once it is identified as malicious TX by the bank, it will probably be reduced.

3. Pay attention to credit card consumption

Be careful when spending in different places. Enter the password, etc. To shield it and prevent criminals from peeping. If you get a credit card, it will be dangerous. After all, credit cards are easy to overdraw. Set some high-strength passwords to avoid being easily cracked by a willing heart.

4. Always use credit cards for cash withdrawal and installment payment.

Many card friends will make such mistakes in the early stage of use, and frequently use credit cards to withdraw cash and installment. Credit card withdrawal and installment will charge a certain fee and interest, and the fee will be very high.

Frequent cash withdrawal and installment not only need to pay high fees, but also affect personal credit information, reduce the comprehensive score in the bank, and also affect the increase of credit card limit in the later period.

The more credit cards, the better.

Although credit cards provide convenience for our life, there are many kinds of credit cards, which can easily lead to confusion. Everyone has two or three credit cards. If the quantity is too large and the management is improper, the overdue situation may affect the credit investigation.

6. Pay attention to the validity period of credit card points.

Credit card points can be exchanged for many goods, but pay attention to the effective date of points, which is generally valid for 3 or 5 years, and will be cleared after the validity period. Don't waste these points.