Compared with ordinary bank savings cards, the most convenient way to use credit cards is for ordinary consumption, and there is no cash in the cards. In many cases, it is enough to return the consumption amount on time.

1. You can spend money without overdraft, enjoy an interest-free period of 20-56 days, and repay on time without any charge (most banks will charge 0.5% interest and 2% handling fee on the day of cash withdrawal, and ICBC will only charge interest);

2. It is not only safe and convenient to swipe your card when shopping, but also a bonus gift;

3. Special merchants who hold cards in banks can enjoy preferential treatment;

4. Accumulate personal credit, add a credit record to your credit file, and benefit for life;

5. Access to the whole country is barrier-free, and you can withdraw money or spend money by credit card on ATMs and POS machines with UnionPay logo; (Note: Credit cards are only suitable for credit card spending. It is best not to withdraw cash, which is expensive and uneconomical. )

6. Credit card spending, extracting existing points from some credit cards, various discounts and lottery activities throughout the year, so that you can always have surprises as long as you use the card. (Most credit card online payment has no points, but online payment is very convenient and fast);

7. Mail the statement free of charge every month, so that you can grasp every consumer expenditure transparently; (Now advocating environmental protection, you can cancel the paper statement and change it into an electronic statement. )

8. Unique supplementary card function, suitable for husband and wife to jointly manage money or master children's financial expenses;

9. The free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB;

10.400 telephone or 9-character 5-digit short number 24-hour service, loss reporting takes effect immediately, and there is no risk of losing the card;

1 1. Validity period: It is known that the validity period of domestic credit cards is generally three to five years.

12. Use the third-party platform (the domestic platform supporting credit card bill management is mainly Jujindou) to conduct business cooperation and provide preferential services for cardholders.

disadvantaged

The invention of credit card is like a double-edged sword, which can solve the temporary economic crisis. However, the purpose of issuing credit cards is to make money. Once the interest-free repayment time is exceeded, high interest will be charged, usually five ten thousandths of interest per day.

1, blind consumption

Unlike paying cash, swiping a card is not a sum of money. I don't feel anything when I swipe my card. A few figures lead to blind consumption and spending money like water.

2. Excessive consumption

Notebook staging, digital camera staging, smart phone staging, while enjoying your favorite items in advance, you should also consider whether you can repay them.

3. High interest rates

If you can't take care of your credit card and can't repay it on time when the final repayment date comes, the bank will charge you high interest.

4. An annual fee is required.

Credit cards basically have an annual fee, but they basically have an annual fee-free policy. For example, CCB can be exempted as long as it is brushed three times a year; But if you don't swipe your card to the bank the specified number of times within a year, you need to charge an annual fee.

Step 5 steal brushes

Credit cards are basically password-free by default, so when they are lost or stolen, they are easily stolen by others, causing unnecessary troubles or losses; But in fact, credit cards can also be charged by passwords-it depends on how you manage your credit cards. Of course, many people have not cancelled their credit cards because of their lack of experience in this field, and some lawless elements have reapplied for credit card overdraft, which is not worth it.

6, affect personal credit records

Long-term malicious default will naturally affect personal credit records and even be blacklisted by banks. If you want to borrow money from the bank to buy a house and a car in the future, you may be rejected by the bank.

7, repayment trouble

Going to the bank every month is often overcrowded, and online repayment is not suitable for everyone.

8, cancellation trouble

CCTV once reported that a cardholder received a bank bill several months after paying off all debts and canceling his credit card, and what happened afterwards made him miserable. This article named "Unknown Credit Card" exposes the disadvantages of today's credit cards.