When using credit cards in daily life, you also need to understand the matters clearly, otherwise it will bring unnecessary trouble to everyone. In Bian Xiao, I will explain to you the matters that must be paid attention to when using credit cards:

(1) Before using a credit card, you must first understand your financial responsibilities.

(2) The issuing bank must pay special attention to the special discount in the first year to attract consumers to apply for credit cards. These promotions are usually short-term, so don't be confused for a moment. When choosing a credit card, you should give priority to long-term interests.

(3) Avoid applying for more cards than you can bear. Evaluate your consumption habits, needs and financial situation before deciding how many credit cards you need to choose.

(4) Be sure to sign the new card as soon as you receive it, and cut the old card into pieces to avoid fraudulent use.

(5) Be sure to take good care of your credit card and report the loss immediately if it is lost.

(6) Whether it is a credit card or a charge card, you must maintain a good credit record.

(7) It is convenient to borrow cash in advance, but the cost is high.

(8) Those who are collected by the collection unit due to non-payment shall have the responsibility to pay off the arrears immediately, and bear legal responsibility if the circumstances are serious.

(9) Prevent credit card fraud.

(10) When you change your new address or contact number, you should immediately notify the issuing bank.