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The most cost-effective credit card repayment method:
0 1 First of all, you must master a method, that is, credit card repayment is generally 20 days to 50 days, which means the longest period is 50 days, so you must choose a billing date when you swipe your card, so that your repayment will last for more than 50 days.
In addition, some people think it's not a short term, but it's wrong to choose the minimum repayment amount, so charging high interest is actually a bit of a loss. It's best to pay in one lump sum.
03. But everyone should learn to raise a card with a card, that is, transfer the money in one card to the card that is in arrears, so that even if there is no money on the repayment date, you can still pay it back.
Finally, I want to say that when you use a credit card, don't default. Your bad credit record will seriously affect your future housing and car loans.
Credit card repayment methods are divided into full repayment, installment repayment and minimum repayment. Both the minimum repayment amount and installment repayment will generate additional expenses, but the full repayment will not generate any expenses as long as it is repaid within the interest-free period, so it is best to choose full repayment for credit card repayment. There are more and more cardholders now. It is simply "wrong" to regard the bank card as a tool for depositing and withdrawing money. In fact, from ordinary debit cards to credit cards that can "spend first and then repay", they all have their own characteristics. If used properly, they can not only enjoy many conveniences, but also help cardholders save money, realize the purpose of personal finance and fully enjoy the modern "card" life.
1 Trick: Identify the UnionPay logo of inter-bank transactions (including domestic and overseas). Bank cards issued by different banks can be used for unified deposit and withdrawal or consumption on ATM machines and POS terminals with UnionPay logo. When customers withdraw money or swipe their cards, they don't have to look for their own cards in various bank card logos as before, just look for the logo.
The second measure: remember 955 16 and the customer service phone number of the issuing bank. If you encounter problems that can't be solved in the process of using the card, call China UnionPay 955 16 and the customer service phone of the issuing bank in time to reduce unnecessary losses.
The third measure: often log on to the websites of UnionPay and the issuing bank to get the latest preferential information. From time to time, China UnionPay and the issuing bank have some preferential activities for cardholders, such as redemption of points, cumulative redemption of credit card consumption, etc., and obtain relevant information in time through the website to bring benefits to their credit card consumption.