Does Huapu run a credit card pit?

Huapu does not run a credit card pit. All financial institutions that can handle credit cards will follow the rules and regulations of the People's Bank of China and China Banking Regulatory Commission, which are legal and compliant, and there is no cheat people phenomenon.

credit cards are a hole, don't you think?

If you use credit cards, you can invest in learning, but if you still rely on credit cards in your daily life, it proves that your planning ability is too poor. What's even more frightening now is that many people think that credit cards don't need to be returned, overestimate their abilities and overdraw in advance, which leads to the final capital chain, which affects credit information, so many people hate credit cards.

In the final analysis, it is people's greed that harms them. Banks are not philanthropists, and credit card lines are recycled, which helps us to reduce the embarrassment of borrowing money. When we are in urgent need of money, ask friends around us who are willing to lend you more than 5, yuan. Now it is more and more difficult to borrow money, and the trust between people is getting lower and lower. Credit cards help us solve many problems.

It's just that people seldom know how to be grateful. A credit card is a hen, and we can borrow it to lay eggs. Many people not only eat eggs, but also want to kill chickens. It's cool to spend money, but difficult to pay it back. Finally, I hate the bank for giving you too much credit. Just like in our real life, people are happy to borrow money from you, unhappy when they ask you to pay back the money, and you hate others when they don't.

in the final analysis, what do we use the money from credit cards for? Is there a reasonable plan to evaluate your earning ability and make a short-term turnover? I think credit cards give us great support. For example, if you need to learn a skill and have some emergency turnover, credit cards are really convenient.

Is the credit card a tool, not a pit? It's not a credit card problem, but a problem with people's minds? What do you think? Welcome to leave your opinion on credit cards at the end of the article, and pay attention to @ Trainer Yang Jingyun to talk about what we have encountered.

I'll answer the question, What do you think? I think you are wrong. Let me talk about my experience. I only started to contact credit cards in 213. At first, I didn't know what was going on. I saw that my friends didn't have to spend cash to buy things, so it was nice to swipe them directly.

I asked my friend what was going on. He said that this is a bank credit card, and everyone can apply for it. If you use it, you can spend it first, but then you can repay it. He also said that there are discounts in some places when you buy things with credit cards. Later, I went to the bank to apply, but it was not easy to apply, and the amount of application was not very large.

it's really convenient to use a credit card after you get it, just remember to repay it every month, but you can't just rinse it with a credit card, but you should also save it, otherwise it will be overspent if you brush it, and it will have an impact if it is overdue. Based on these credit cards, it is not a pit, but a good thing to save lives.

If you can't do something bad with your credit card, you can't blame it for being a pit, such as cashing out and so on. The bank itself doesn't let people do such illegal things as cashing out, but let people spend money for emergencies, so my point is that credit cards are not a pit, but a good use is a blessing, and a bad use is a pit!

Don't touch the big thunder

The "pit" of the credit card is deep. Don't be careless and get stuck?

nowadays, the usage rate of credit cards is becoming more and more popular, and all banks are racing to occupy the credit card market, and the overall situation is developing well. However, in such a big environment, many criminals set their sights on people who use credit cards. Do you know what are the common credit card routines in society and on the Internet, but what are they actually "pits"?

1. Large credit cards:

Some people have great demand for credit lines and want to apply for large credit cards. However, when banks approve bids, they will have a set of strict and perfect auditing standards, especially the four major banks, which will not give high initial quotas. There are indeed a large number of people in society who need large credit cards, so scammers are eyeing them. They have prepared a set of words in advance, claiming that they are from the UnionPay POS machine center and so on, and do not belong to any bank, but there are so-called preferential policies at present. If a merchant buys a POS, he will give a large credit card. However, I bought a lot of POS machines, but I didn't have any large credit cards. I held out hope and didn't say anything, and I spent money in vain.

2. Withdrawal

For many people, credit cards are practical and easy to use, but they are always not enough. It is not easy for banks to take the initiative to withdraw the amount, and it is still difficult to pass the examination and approval if they want to apply with banks. Therefore, there are some people in the society who use "free withdrawal", or charge 1%-5% for withdrawal, or brush on their behalf, etc. Either way should actually attract the attention of all cardholders. For example, we all know that if the frequency and amount of consumption are high, banks usually give a higher amount. Therefore, the person who "raised the amount" asked the cardholder to charge the fees of different businesses separately, and then cash them back, etc., but in the end, it was probably just an empty joy. Not only could the amount not be raised, but the cardholder had to fill the hole in the credit card.

3. White-washed credit information

Because the credit card's "three times a day, six times a day" will damage the credit information of the cardholder, which will directly affect the future car loan situation, especially the financial business related to the bank in the future, and will also be strictly restricted. Therefore, many debtors pay special attention to the issue of credit reporting, but it needs to be clear that credit reporting can't be washed away unless it can be repaired under special circumstances, especially those who claim that they can recover well as long as they take money. Can you believe it? I can't believe it! I can't believe it!

4. Revolving credit card

If someone tells you that you can withdraw 42, yuan in a year as long as you pay back one or two hundred yuan every month. Is there a feeling that a pie just falls from the sky and always hits you on the head? Heartbeat? Dare not move? This scam is to take advantage of the psychology of some people who want to take advantage of it, and to trick people into falling for it through all kinds of clever packaging. However, the money is deducted at different levels, for example, as long as the membership fee is paid, you can apply for the card in advance and enjoy the discount in advance. These framed words, in fact, are full of loopholes as long as they are rationally distinguished. But there are still some people who blindly believe that they can really take advantage of it and make big money in the future. I don't know that I am the "fat sheep" who has been made a lot of money. I don't even know that I have been cheated. I am immersed in the dream of making a fortune. It's time to wake up!

Although the credit card is very practical, it can lead to many "pits" in reality. Be careful, so as not to be cheated by these routines carelessly.

This is where the credit cards of major banks are most pitted. Which bank have you been cheated by?

If you ask about the benefits of credit cards, people who have used them will probably say that they are ugly. However, if you ask the credit cards of major banks, what are the cheating places? Presumably, everyone can also talk about the clouds, saying that these pits are also top pits!

However, I think the following are the most pitfall areas of credit cards of major banks.

1. The installment fee of CITIC Bank is the worst.

If 5, yuan is divided into 24 installments, for example, compared with other banks, the handling fee of CITIC Bank can be more than 3,6 yuan higher than that of the savings bank. In this comparison, CITIC Bank can be said to be the most pitted installment fee among credit card fees.

second, ping an bank's loss reporting fee is the worst.

as we all know, many banks charge a certain handling fee if we reissue our credit cards after they are lost. However, the fees charged by some banks are still relatively small, ranging from 4 to around 6 yuan at most. However, Ping An Bank is much higher than other banks, and their loss reporting fees can be as high as 75 yuan.

third, China merchants bank scored the worst.

Many people use credit cards just to earn points from banks. In this respect, most banks' integral rules are basically 1 point in 1 yuan, but China Merchants Bank insists that 2 yuan can change 1 point, which is no ordinary pit.

However, China Merchants Bank's points can be used indefinitely, as long as you don't close your account, you can always accumulate them. This also neutralizes this shortcoming of it.

fourth, the annual fee exemption of Minsheng bank is the worst.

Everyone who has used a credit card knows a lot, and the bank's annual fee exemption rule requires a certain number of swipes before the annual fee can be exempted. Most of the bank's annual fee-free regulations are basically that the annual fee can be waived if the number of swipes reaches 3-6 times.

However, this is not the case with the credit cards of Minsheng Bank. Their credit cards must be swiped at least eight times before they can be exempted from the annual fee. Therefore, relatively speaking, Minsheng Bank's credit card annual fee-free rule is the worst.

5. Ping An Bank and Citibank have the most cash withdrawal fees.

everyone knows that it is not cost-effective to withdraw cash by credit card. Because, if you withdraw your credit card, it is equivalent to applying for a personal loan directly from the bank, and the handling fee is not low. Usually, the general handling fee is about 1%-3%.

However, Ping An Bank and Citibank's credit card withdrawal fees and term rates vary from 2% to 3%. Moreover, the minimum handling fee for each withdrawal is 25-3 yuan, which can be said to be the highest among all banks' credit card withdrawal fees.

6. Ping An Bank, which charges the most.

what should I do if my credit card is lost? If you still want to use it, of course, you have to go to the bank to get a replacement card. However, if you report the loss first when you reissue it, many banks will not charge additional credit card replacement fees, because the loss is already included in the loss reporting fee.

However, Ping An Bank is different. In addition to the 5 yuan loss reporting fee, their credit cards have to be upgraded to 3 yuan, which can be said to be quite pitted!

what's the matter? after reading the credit cards of the major banks I counted for you, do you think it's right?

This is the end of the introduction about whether the credit card is a pit and why it is said that the credit card is a pit. Did you find the information you need?