1. But some consumers are "afraid" to apply for a credit card, not because they are not qualified to apply for a credit card, but because they are worried that they will not be able to repay after using the credit card, and they don't want to make ends meet because of the mode of spending in advance.
2. Consumers are a very rational group of people, but they should also be analyzed according to their actual consumption. Maybe everything will be different with a credit card.
3. When a consumer applies for a credit card, the commercial bank will review the applicant's qualifications and conduct assessment through the work unit, salary, bank flow and fixed assets. This is actually an assessment of one's financial situation.
If the applicant does not meet the application conditions or the personal debt ratio is too high, it is difficult to pass the credit card approval.
1, even if the credit card is barely approved, the credit card amount obtained is often low, so at this point, it shows that the applicant who obtains a high credit card has better repayment ability.
2、
When using a credit card, the cardholder can spend a fixed amount every month just like the usual mobile phone payment or cash payment.
3. Don't deliberately consider the extra credit limit of credit card, just consider it as "no", but it is usually paid by credit card. After a few months, you will find that there is basically no big change in expenditure except for the operation of full repayment once a month by credit card.
After using it for a period of time, cardholders will also find that some stores can discount by credit card, and they can also enjoy activities such as "three people walking together and one person free of charge", "half price on Friday" and "double points accumulated in consumption".
1. Even if you travel abroad, you don't have to worry about the problem of consumption payment caused by currency disunity. Some smart cardholders will also invite good friends to the shops with preferential activities designated by the credit card for dinner when entertaining guests at ordinary times, which can also save a sum of daily expenses.