Due to the widespread use of credit cards, credit cards are used carelessly, stolen by others, and even maliciously overdrawn. So, how can we reduce this situation? Here, cardholders are reminded that in addition to strengthening supervision and legal sanctions against banks and related departments, they should also pay attention to the following three aspects: minimizing the risk of credit card use.

1. Precautions for terms of credit card agreement

The credit card agreement issued by the bank is formulated by the issuing bank. Take Great Wall Credit Card as an example. Article 13 of the contract stipulates: "If the Great Wall Card is lost or stolen, the cardholder shall immediately report the loss to the nearest branch of China Bank with his ID card or other valid documents, and pay the loss reporting fee as required. Before and within 24 hours after the loss report, the cardholder still needs to bear the risks and losses of the loss report card. That is to say, even if it is reported orally, if the cardholder fails to report the loss in writing in time, the loss can only be that the mute eats Coptis chinensis and has to bear it himself.

2. Be familiar with the interest-free rules of credit cards.

At present, the interest-free period of bank credit cards is usually about 50 days. Although all banks have implemented "time tolerance" measures, the standards implemented by each bank are not the same. Most banks have a three-day grace period, but some banks have a two-day grace period Such as Nanjing Bank and China Agricultural Bank. Therefore, cardholders should carefully read the regulations of the issuing bank, and don't overdue for too long, otherwise they will pay penalty interest and compound interest on a monthly basis.

In addition, the calculation method and accounting date of interest-free period of each bank are different, and the calculation difficulty is also different. Please read the bank card instructions carefully.

3. Don't throw away credit card transaction documents.

When using credit cards, cardholders should not discard the transaction records of ATM machines at will, because some transaction records have original magnetic cards, so it is easy to reveal personal information if they are discarded casually, and criminals will start forging credit cards from this small piece of paper.

The convenience of many credit cards does bring convenience to cardholders, but while enjoying this convenience, cardholders should also pay attention to preventing the use risks of credit cards and avoiding unnecessary use risks.