How to use the overdraft card of 1 You don't have to save money in overdraft card. Take CCB Longka (dual-currency) credit card as an example. No matter whether it is used at home or abroad, you can shop and spend without saving money in the card. If you deposit a lot of cash in the card, you will lose interest in vain, and you must use the deposit in the card first, and the cardholder does not enjoy interest-free loans.
2. Yes, the credit limit can be increased. If the original credit limit is insufficient due to large consumption, you can apply for a temporary increase in the credit limit.
3. It is to reduce the use of overdraft card for cash withdrawal. Because from the date of overdraft withdrawal, the daily interest is calculated at five ten thousandths of the overdraft amount, and the handling fee is charged according to the transaction amount.
4. overdraft card is widely used abroad. Foreign transactions converted into US dollars at preferential exchange rate can be recorded, which can reduce the exchange rate loss caused by currency exchange.
5. The repayment method is selected according to the situation. Credit cards have two repayment methods: full repayment and minimum repayment. Full repayment can enjoy interest-free treatment for 20 to 50 days; As for the minimum repayment method, as long as the minimum repayment amount is paid or above before the maturity date, the cardholder can enjoy the revolving credit, but the cardholder no longer enjoys the interest-free period and must calculate the interest according to the facts.
That's enough about how to use overdraft card.