How to return the credit card?
1. The ATM of the bank deposits directly on the credit card;
2. Bind the credit card with the bank card and set up automatic repayment;
3.ATM inter-bank transfer repayment;
4. Repayment through online banking transfer or inter-bank transfer;
5. You can also transfer money through WeChat wallet or Alipay (inter-bank transfer is free).
When using credit cards, we must pay attention to some skills and avoid some problems.
1, credit card oversubscribed
Some people apply for multiple credit cards in order to increase the quota, while others apply for multiple credit cards for the gift. For whatever reason, the number of credit cards should not be too large and the total amount should not be too high. Applying for too many credit cards, on the one hand, is inconvenient to manage, on the other hand, the debt is too high, which also has a certain impact on applying for new cards and loans.
2. Excessive overdraft
Excessive overdraft here refers to credit card consumption beyond the cardholder's repayment ability. Generally speaking, if there is no temporary large consumption expenditure, it is best to control the monthly credit card consumption amount below 1/2 of the monthly income.
It is best to control the monthly consumption of credit cards below 0/2 of the monthly income of 65438+, and the repayment pressure of cardholders is relatively small. Some cardholders have poor self-control, love to spend money, often spend irrationally, credit overdraw, and it is difficult to repay. If you don't pay attention, it will easily lead to overdue repayment of credit cards.
3. Always handle credit card cash withdrawal, installment and other businesses.
According to the minimum repayment amount, installment repayment and credit card withdrawal are all charged. Repayment according to the minimum repayment amount will generate credit card interest, with a daily interest rate of 0.5 ‰ and monthly compound interest; For credit card installment, you have to bear the credit card installment fee and convert it into the actual annual interest rate, which is as high as13%; Credit card cash withdrawal business does not enjoy interest-free except handling fees, and interests are charged from the date of cash withdrawal, with a daily interest rate of five ten thousandths.
4. Crazy amount increase
For some cardholders, it is a pursuit to apply for credit card quota increase. High-value credit cards are not only convenient to use, but also make cardholders feel proud. However, crazy pursuit of credit card withdrawal is not a good thing. Excessive credit card limits tend to encourage cardholders to spend too much.
5. Overdue repayment
Overdue repayment of credit cards is a taboo, which will first generate high interest and liquidated damages, and most importantly, it will affect personal credit records and future mortgage applications.