If the card is not with me, you can call the customer service hotline of China Everbright Bank to find out how long the credit card in my name is valid.
Credit card is one of the fastest-growing financial services today, and it is an electronic currency that can replace the traditional cash circulation to a certain extent. Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also obtain certain loans from card issuers by using credit cards.
credit card limit, also known as credit card available limit, refers to the maximum amount that you can use with your credit card, which includes the credit limit (that is, the maximum credit card overdraft limit) and the amount deposited in the credit card.
the amount of any credit card depends on the effective income provided by the individual in the application process and the guaranteed value of the assets. The credit limit of a credit card is positively related to the income and secured assets of the applicant, that is, the higher the income and secured assets, the higher the credit limit. Therefore, the applicant must provide proof of income, provident fund social security, and asset guarantee statement. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.
Although banks emphasize the interest-free period when popularizing credit cards, most people don't know the rules of interest-free period very clearly, thus spending a lot of money. Maybe this is nothing in real life, but banks don't think so. Consumers have to pay interest if they don't repay in full, and they don't enjoy the interest-free period (daily interest = the remaining unpaid amount of the day * interest rate). It is suggested that you must repay in full when you repay, so as to avoid greater losses.
Every credit card has a hidden overrun limit. When you maxed out the credit card, it is easy to use the overrun limit. Once you use the overrun limit, it means paying a high overrun fee. Many consumers can't grasp it well in the process of shopping, and credit cards are often maxed out. I suggest that you apply to the bank in advance to increase the temporary limit, which will not only avoid the credit card explosion, but also increase the credit limit.
in our daily life, we often encounter the situation that the capital turnover is not working properly. At this time, we can choose to repay the minimum repayment limit, so as to ensure that the personal credit record will not be affected, and at the same time, there will not be too many late fees. However, it needs special attention that the minimum repayment amount must be paid in full, otherwise you will encounter high late fees.