when is the most cost-effective credit card?
1. You need to repay on time
After using the credit card, you need to repay on time, try not to withdraw cash, do not use the minimum repayment and do not choose installment. The longer the installment period, the more interest you have to pay. Be sure to repay the credit card in time after using it, so as to maintain a good credit record.
2. Don't overdraw your credit card
It's the right thing to use your credit card reasonably, which can also make you have some extra income. Therefore, when using a credit card, you must master some financial management skills, which can also help you achieve wealth freedom.
if you need to consult Ping An Bank's credit card business, you can click the link below to select the online customer service icon-Credit Card in the upper right corner of the homepage or follow Ping An Credit Card WeChat WeChat official account (paxyk95511) for consultation.
Response time: November 16th, 221. Please refer to the latest business changes announced by Ping An Bank in official website.
How to withdraw cash from CCB's credit card? The earlier the repayment, the more cost-effective it is.
Credit card withdrawal is different from credit card overdraft consumption, and it needs to bear the handling fee and interest. The earlier the repayment time after withdrawal, the lower the expenses borne by the cardholder. In order to help CCB cardholders ease the repayment pressure of cash withdrawal, today I will introduce to you how to repay cash withdrawal with CCB credit cards.
1. Handling fee for withdrawing cash from CCB's credit card
1) Withdrawal through the Bank or UnionPay network: 1% of the withdrawal amount is charged for each transaction, with a minimum of RMB 2 yuan and a maximum of 1 yuan;
2) withdrawal through non-unionpay network: 3% of the withdrawal amount is charged for each withdrawal, with a minimum of USD 3 or EUR 3.
As long as the cardholder withdraws cash through the CCB credit card, you need to bear the above handling fee whether you pay it back immediately or later. The handling fee will be shown in your credit card bill after cash withdrawal.
second, CCB's credit card withdrawal interest
because credit card withdrawal does not enjoy interest-free treatment, the bank will charge interest at the daily interest rate of .5 ‰ from the day you withdraw cash, and compound interest on a monthly basis. If you withdraw cash on the same day and repay it on the same day, the bank will probably not calculate your interest, but if you don't pay it back for a long time, the interest will increase day by day. Because interest is calculated on a daily basis, one day's interest will be lost if the repayment is made earlier.
Third, how to repay the credit card withdrawal of CCB
In short, the sooner the credit card withdrawal of CCB is repaid, the better, so as to avoid the snowball of interest from getting bigger and bigger and adding repayment pressure to yourself. In addition, the frequent withdrawal of credit cards is not conducive to the increase of your credit card quota, so you should be careful when using credit cards to withdraw cash.
what is the most cost-effective way to buy a car with CCB's credit card? This can save a lot of money
Buying a car has become more and more popular, but there are still some difficulties for people with little money left in their hands. At this time, everyone thought of buying a car with a credit card. Then, how to buy a car with CCB credit card is the most cost-effective?
when it comes to buying a car with CCB credit card, there are only two ways: one is to buy a car in full by swiping the credit card, and then make the bill into installments; Second, apply for installment business directly with CCB credit card. So, which way is more cost-effective?
1. In terms of the number of installments, there are 3 installments, 6 installments, 12 installments, 18 installments and 24 installments; Car purchase by stages, 12, 18, 24, 36 and 48;
2. In terms of the rate, the handling fee and the bill installment fee are fixed and not low. However, there are often preferential activities for car purchase by installment, and the handling fee is exempted, and the interest is charged at five ten thousandths of the daily overtime.
The above is the analysis. How to buy a car with CCB credit card is the most cost-effective for your reference.
, you can handle all kinds of credit cards quickly and safely.
how to use CCB credit card?
The matters needing attention in the use of CCB's credit card are as follows:
1. The handling fee for cash withdrawal of CCB's credit card is deducted, and the domestic cash withdrawal is deducted at .5% of the cash withdrawal amount, with the lowest 2 yuan and the highest 5 yuan, and the overseas cash withdrawal handling fee is charged at .5% of the cash withdrawal amount plus 12 yuan, with the lowest 14 yuan;
2. There is no interest-free period for the overdraft cash of CCB's credit card. From the date of withdrawal, interest of .5 ‰ will be deducted according to the withdrawal amount every day until the principal and interest are paid off;
3 consumption before the billing date of each month can be paid off before the sunrise of the bill of the current month and the first repayment date after the bill date, and you can enjoy interest-free treatment;
4. If the consumption after the billing date of each month is paid off before the first repayment date after the next month's bill sunrise, you can enjoy interest-free treatment;
5. There is no interest-free period for cash withdrawal by credit card, and there is a handling fee. From the date of cash withdrawal, interest will be calculated at .5 ‰ of the bill amount until all the principal and interest are paid off, so it is not recommended to take cash by credit card. If it is urgent, it should be repaid as soon as possible.
6. The repayment date of the credit card is the final repayment date. It is ok to repay it on any day before, and it can be repaid many times. However, if it is overdue after the repayment date, it may affect personal credit, so it should be repaid in time.
This concludes the introduction of how to use the most cost-effective and cost-effective credit card of CCB. Did you find the information you need?