Question 1: How to play the eight moves of subduing the dragon with a credit card, how to play with the credit card

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The first move of subduing the dragon: swiping out the annual fee credit card looks like It’s complicated, but the fee mainly includes two parts: one is the annual fee, and the other is overdraft interest. By making good use of the preferential annual fee policies provided by most banks, we can pay the annual fee. For example, general banks stipulate that if you pay 6 times a year, you can be exempted from the annual fee. If you have multiple credit cards, you can focus on one of them when making small purchases at the beginning of the year. This way you can avoid being charged an annual fee because you forget the number of times you swiped the card.

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The second way to subdue the dragon: Link accounts and travel the world with two cards. Although we need to make more use of the interest-free repayment period of the bank, we often forget it due to various reasons. The date of repayment. We can open a debit card or savings account at the issuing bank of the credit card, automatically associate it with the credit card, automatically repay the account, and automatically deduct and transfer the money on the monthly repayment date. As long as there is sufficient balance in the debit card one day in advance, we can avoid the risk of overdraft interest.

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The third way to subdue the dragon: be careful with the interest-free repayment period. The characteristic of credit cards is that you consume first and then repay. The interest-free repayment period of different banks is slightly different. Then it is 20 days, and the longer one can reach 56 days. In the actual operation process, special attention needs to be paid to the credit card billing date, repayment date and actual consumption date. For example, the billing date of a credit card is the 5th of each month and the repayment date is the 30th. Then each bill will be calculated from all consumption from the 6th of the previous month to the 5th of this month. On the 30th, it will be You need to repay the amount on the last accounting date, otherwise you will need to pay overdraft interest. If the actual consumption date is the 6th of this month, then the recorded time for repayment is the 30th of the next month, so there will be an interest-free repayment period of 54 days; if the consumption is on the 5th of the month, then the interest-free payment period will be The repayment period is only 25 days, the consumption difference is one day, but the interest-free repayment period is 29 days different. Therefore, it is best to start consumption on the second day of the accounting date. Selected spending days give us an extra month to use this overdraft funds.

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The fourth way to subdue the dragon: Make good use of promotional co-branded cards. Nowadays, whether it is banks, shopping malls, travel agencies, airlines or insurance companies, they have launched many good ones for promotion. Co-branded card. For example, VIP co-branded discount cards in stores, airline co-branded mileage points cards, etc. Some fund companies have also opened services that convert card points into monetary fund shares. Ask about your credit card’s preferential policies before spending, and you’ll often get unexpected surprises.

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The fifth way to subdue the dragon: gold card and platinum card, showing your status while enjoying benefits. Different credit card levels reflect different identities. Banks have launched gold card and platinum card VIP services, allowing cardholders to enjoy many special privileges, such as bank VIP services, airport VIP lounges, free golf sessions, and free physical examinations, fully reflecting their VIP status.

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The sixth method of subduing the dragon: installment payment, interest-free loan. When trading bulk commodities, such as cars and household appliances, payment is made by credit card. Many merchants can provide installment payment. Payment services, and some even offer free handling fees and interest. We can make full use of these activities and earn the time value of money in vain.

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The seventh way to subdue the dragon: Use overdraft withdrawals as little as possible. Use the cash advance withdrawal function provided by most credit cards, which is equivalent to adding a temporary emergency reserve fund to us, but it requires us to There is a handling fee and there is no one-day interest-free period. In this way, cardholders not only have to pay a 1% handling fee, but also pay overdraft interest of 0.5% per day, so under normal circumstances, they should use it with caution to avoid causing excessive losses to themselves. Even if you have money on hand, try to keep it in a debit card so you can withdraw cash when necessary.

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The Eighth Dragon Subduing Style: Keep it properly and use it prudently. After receiving your credit card, you should immediately write your name on the signature line on the back of the card. When using the card, you should take good care of your credit card and store the credit card, personal password, and ID card separately to avoid being stolen if lost. When handling business at bank ATM machines, you should also pay attention to whether there are any suspicious devices. If your card is swallowed for no reason, you must stay at the scene and call the bank service center for help. During this process, you must not disclose your password information to any organization or individual.

There are more and more credit card frauds nowadays. If you receive any phone call or text message reminding you of a debt, do not call back. Instead, you should contact the bank’s service hotline to avoid giving criminals an opportunity.

Question 2: How to use a credit card specifically? The biggest advantage of a credit card is that you use bank money to spend first and then repay. In other words, if you are shopping in a mall, you don’t need to bring a lot of cash. You can use Credit card purchases first. If you use your credit card well, it is very convenient. Credit cards have billing dates and repayment dates.

You should remember the repayment date and billing date of your credit card to help you pay back in time. For example, I have a credit card from CITIC Bank. The repayment date is the 25th and the statement date is the 5th. If I swipe the card on June 6, then I have to repay before July 25, so there will be more than a month of repayment time. If you swipe the card on the 3rd of the month, then there will only be about 20 days to repay. Time, as a reminder, you should repay the loan two to three days before the repayment date on the 25th, so that it can be credited smoothly. If you repay on the 25th and encounter a weekend, and you cannot receive the credit in time, then there is Interest may be charged.

Question 3: How to use a credit card? The credit limit is 5,000 yuan, which means you can overdraft and spend 5,000 yuan first, and then repay the 5,000 yuan during the interest-free repayment days of 20-50 days. , then you can spend another 5,000 yuan next time. Of course, this 5,000 yuan is not a one-time consumption. You can spend some today and some tomorrow. In short, it should not exceed 5,000 yuan. Then just pay back the money before your repayment date. Yes, but you must remember your billing date and repayment date. For example: your bill date is the 5th of each month, and your repayment date is the 25th of each month. Any money you spend before the 5th must be repaid before the 25th. If you consume on the 6th, Then, you can repay the money before the 25th of the next month, and there will be 50 interest-free repayment days during this period.

Question 4: How to calculate credit card? Hello, if you are applying for a China Merchants Bank credit card, please open cmbchina and click "Personal Banking Public Edition". Select the credit card section, enter your ID and password, and after logging in, go to "Account Management" - "Account Inquiry" on the first row to view the "Monthly Bill Date" and "Repayment Due Date of the Current Period". You can enjoy the interest-free period for credit card purchases. The interest-free period means that if you pay off all the consumption before the final payment date, you do not need to pay any interest. The interest-free period for repayment ranges from 20 days to 50 days, and the length of time will depend on the specific time of your consumption. If your consumption is before the current bill date, it will be included in the current bill; if it is after the bill date, it will be included in the next bill, and you can enjoy a longer interest-free period. If you still have questions, you can call the customer service hotline 4008205555 or 8008205555, select "3#" in the voice message to apply for credit card consultation, and then select "1" to be transferred to a service specialist to answer your questions. Thank you for your attention and support!

Question 5: How to check how much money you need to repay with a credit card~ Installment Mall: Chengyigou

I suggest you call the customer service number on the back of the card~

You can also log in Credit card online banking, for checking bills and consumption records~

Question 6: How to use the credit card for family members? When signing, you only need to sign with the name of the card owner. The credit card can be set to only require a password, but you must prevent it from being lost. If the goods are stolen, a text message reminder will be sent to you at the end. You can also apply for an auxiliary card, which has a limit with your card. You can use your card to make purchases, and your family members can use the supplementary cards to make purchases.

Question 7: How to use a credit card? It’s the same as a debit card, but you can overdraw it. However, you must repay the overdraft in time, otherwise your credit will be reduced

Question 8: How to apply for a credit card? You can apply as long as you meet the following two conditions:

1. Over 18 years old;

2. Have a stable job or a fixed source of income;

To apply for a credit card, you need to provide the following information:

1. Copy of ID card, work certificate or income certificate, etc.

2. If you can also provide bank deposit receipts, real estate certificates, degree certificates, etc., your application approval process will be more convenient and faster.

The overdraft limit is assessed based on your comprehensive qualification assessment. How much depends on your personal qualifications.

Question 9: How to avoid interest on credit cards? Hello, our bank’s credit card purchases can enjoy the interest-free period. The interest-free period means that if you pay off all the consumption before the final repayment date, you do not need to pay any interest. . The interest-free period for repayment ranges from 20 to 50 days, and the length of time will depend on the specific time of your consumption. If your consumption is before the current bill date, it will be included in the current bill; if it is after the bill date, it will be included in the next bill, and you can enjoy a longer interest-free period.

Assume that the bill date is the 10th and the repayment due date is the 28th: ??For example: Generally, if a customer consumes money on August 9th, the bill will be issued on August 10th, and the bill will be issued on August 28th. Repayment is required on the 10th, so the interest-free period is the shortest. If the customer pays on August 10, the bill will not be issued until September 10. If the customer pays on September 28, there will be an interest-free period of up to 50 days. It’s due. That is, if the customer repays the entire amount due before the due payment date (inclusive), the card consumption on the bill date can enjoy the longest interest-free period.

If you have any other credit card questions, you can add the credit card QQ corporate customer service (4008205555) or WeChat (China Merchants Bank Credit Card Center) for consultation. Thank you for your attention and support to China Merchants Bank!

Question 10: How to use a credit card to "repay a card"? I work at the Dingxing Credit Card Center, and I can tell you that this can only temporarily solve your financial problem. To put it bluntly, it is just a temporary turnaround, but it will not work for a long time!

Suppose you have multiple credit cards from a bank. You can indeed make up for it, but don’t forget that the handling fee for cash withdrawals and the daily interest of 0.05% per day (repayment every month) Compound interest is calculated) or you have to bear it yourself. The interest rate of the credit card is 18.25%, which is higher than the interest rate of the mortgage and the interest rate!

Haha, of course you can do this as long as you can afford the interest, but I would like to advise you that interest is like a snowball that will get bigger and bigger, so just take care of yourself