When applying for a credit card, apply for a credit card quota reasonably according to your own needs, and cultivate a good financial awareness and concept. When applying for a credit card, read the credit card contract carefully, understand the content of credit card services and related rights and obligations, and understand your obligations while safeguarding rights. Through the formal channels of banks, don't believe the trap of third parties such as the Internet handling high-value credit cards.
2. Do not participate in illegal cashing and use the card illegally.
Use credit cards according to your own economic ability, arrange personal consumption reasonably, and develop good consumption habits. Don't covet short-term profits, cash in with credit cards, and don't use personal credit cards in non-consumption areas such as production and operation, house purchase, investment and wealth management, so as not to violate the regulations of regulatory agencies, which will lead to the credit cards being downgraded or frozen by banks. Don't lend your card to others at will, even relatives and friends can't borrow cards from each other, so as to avoid criminals maliciously borrowing credit cards for overdraft.
3. Repay on time to avoid overdue and affect credit records.
In the process of using the credit card, please remember the bill date and repayment date, check the credit card bill in time and return it in time according to the amount on the bill. Never fail to pay it back within the time limit, resulting in a bad personal credit record, which will affect the handling of credit cards and loans in the future, and even affect traffic.
4. Pay attention to the safe use of credit cards to avoid being stolen.
Please choose regular and large merchants to swipe their cards. Be vigilant when swiping cards in small businesses and mobile stalls. Be sure to pay attention to the credit card environment and never let your card leave your sight. If it is online consumption, first confirm the authenticity of the website before trading. Take care of the card properly, and don't store it with the password and ID card to avoid the card being stolen. When you receive a suspicious message, you must be vigilant on the phone and contact the bank's customer service hotline to verify its authenticity. If the credit card is stolen, please contact the bank for freezing as soon as possible, report the loss to the bank as soon as possible and report the case to the public security organ in time.