In short, the credit card is used well, but it is a knife that can save money, and it can save more than half a month's salary in minutes.
However, there are also many taboos when using credit cards. Once in contact, you may become a slave. What are the specific taboos? Next, let's take a look. After reading it, we must avoid it, so that we can say goodbye to Kanu.
First, handle more credit cards.
The more credit cards are processed, the greater the amount, and the more convenient it is to use. But if there are too many credit cards, it will be difficult to manage them.
Yixin knows a friend who has about 20 credit cards. It was really handy at first, as if he were a rich man. Today, he wants to use this credit card. Tomorrow, he wants to use that credit card. In short, the brush is very enjoyable.
But it's even more painful when it comes to repayment. Which one should I return first? where is the money to come from? Sometimes I forget something when I still have my credit card.
So, don't handle too many credit cards, you can't manage it at all. Just handle 2-3 credit cards, according to your own needs.
Second, there are many credit card overdrafts.
Some people think that they don't have to pay back the money if they have a credit card. They spend a lot of money on credit cards every time, and even overdraw their credit cards.
Last year, a business friend started to swipe his credit card because the epidemic was difficult to do and he was short of money, and more and more. Later, he stopped using his credit card and the bank directly sealed his credit card.
Later, it was more difficult to apply for a credit card, and people directly rejected his application for a card.
Third, don't have too many credit card installments.
Credit card installment itself is still a good benefit, but there is a handling fee for credit card installment, and you didn't pay back the amount of the month when you installment.
Then the interest after that is a bottomless pit, and the handling fee for rolling interest is very high.
Therefore, although staging is good, we should not be greedy. Proper installment can help us raise the amount, but if it takes too long to pay back the money, it will make you a slave.
We can do the installment when the credit card is launched, or we can choose a credit card with a small amount and a short installment time, so as not to make you a card slave.
Fourth, credit cards must not be overdue.
This taboo of credit card must be kept in mind. Once the credit card is overdue, it is more serious to go to the credit bureau.
We all know the importance of credit report to us. Once you start to have bad credit information, it will also have an impact on your life, which is equivalent to adding some stains to your life.
It will bring great inconvenience to buy a house, a car or even travel with a loan in the future.
When using a credit card, you must remember to pay off last month's consumption bill in time to avoid overdue.
5. Credit cards cannot blindly pursue high quotas.
Credit cards should not blindly pursue higher quotas. First of all, you should measure how much money you can earn in a month.
Suppose you earn 3000 yuan a month, but the credit card limit is 200 thousand.
Then, when using credit cards, it is often easy to overspend. Once you exceed your salary, the repayment pressure will be great, which will make you unable to repay, or even overdue.
As long as the credit card limit is enough, don't blindly chase after it.
In short, credit cards should also abide by the principles of credit card use in order to avoid becoming card slaves.