Novices should pay special attention to the following points when using credit cards:
(1) When issuing banks give special discounts for the first year to attract consumers to apply for credit cards, they must pay special attention. 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 benefits.
(2) avoid applying for more cards than you can afford. First evaluate your consumption habits, needs and financial situation, and then decide how many credit cards you need to choose.
(3) You must sign the new card as soon as you receive it, and cut up the old card to avoid fraudulent use.
(4) you must take good care of your credit card and report the loss immediately if it is lost.
(5) You must maintain a good credit record regardless of credit card or charge card.
(6) It is convenient to borrow cash in advance, but the cost is high.
(7) revolving credit can help you manage your finances, but it should be noted that revolving credit is a kind of credit loan, so you don't have to pay off all the consumption amount at one time within the payment period, as long as you pay a part of the amount before each payment period, but revolving credit must pay interest separately.
(8) prevent credit card fraud.
(9) When you change your new address or contact number, you should immediately notify the issuing bank.
(1) You don't have to pay extra fees for spending by credit card in a special store.
(11) if you are urged by the collection unit for not paying, you have the responsibility to pay off the arrears immediately, and in serious cases, you will bear legal responsibility.