Now, in order to do a good job in credit cards, many major banks will launch some activities, such as exempting annual fees for spending twice a year.

There is no stipulation on how much you want to spend, so you can spend as many times as possible, even if the amount is not large, but you can repay on time, which is also helpful to the credit record of the credit information system. If you repay more on time, the credit record will reflect excellent, good and grade.

The annual fee for credit cards is very high. Generally, the annual fee for credit cards of CCB and ABC ranges from 8 to 16, but it contains many preferential policies. For example, CCB has a car dragon card, and the annual fee is 2, but it includes free car washing for the whole year. Formulate a 2% discount on shopping card consumption in shopping malls, so that the annual fee is actually spent.

in view of what you said. Small account management fee refers to the small management fee implemented by the bank before the implementation of the new regulations. Debit cards will not be deducted from negative numbers, and credit cards will be rebate to negative numbers, because the credit card itself has a balance. After deducting it, you won't know it without this card. After a long time, you will forget to repay it. Although it is only 19 yuan or dozens of dollars, it will also be overdue in the bank's credit information system. Even blacklisted. This will have an impact on credit, and it will be troublesome to buy a house and a car with a bank loan in the future.

It is suggested that credit cards are necessary for modern people. You can try to use it, as long as you use it properly and repay it on time, it won't cause trouble. If you don't want to use it for personal reasons, just go to the bank and cancel it.

hope to adopt.