Current location - Trademark Inquiry Complete Network - Overdue credit card - My family has eight credit cards. I want to ask, what are the advantages and disadvantages of this?
My family has eight credit cards. I want to ask, what are the advantages and disadvantages of this?
The use of credit cards is neither good nor bad. There is no harm in using them well, and there is no cost. But we should do the following.

1: To clarify the issue of annual fee, you need to charge an annual fee for using a credit card. Generally, the Gold Card 200 yuan Puka is around 100 yuan.

However, after the credit card is issued, the annual fee is free in the first year, and the annual fee for the next year is free for six in the first year, and so on. Credit cards are valid for three years, mostly for three years. I will send you a payment card when it expires to ensure that you can receive it and avoid trouble.

2. Withdrawal and interest: Metropolis charges a handling fee for credit card withdrawal, which is generally 1% of the withdrawal amount, with a minimum of 10 yuan. Interest is charged for withdrawal, with a daily interest rate of five ten thousandths.

3. Remember the repayment date of each card to avoid large interest due to busy work and forgetting to repay, which will affect personal credit history.

4. If the card is lost, make a backup of the card information, so as to report the loss quickly after the card is lost. Because you should check your personal information before reporting the loss: such as contact person, telephone number, mailing address, etc.

As long as you have the above information, there is no problem.