How to use credit cards? Only by learning these 8 rules can you use credit cards correctly

1. Rule 1. Be sure to cherish your credit limit and never default on money owed to the bank, because It doesn't matter if you are in arrears with the bank's money for even a minute. It is better to repay early and pay more than to owe the bank a penny. If you are in arrears, your credit will be reduced, and the credit will be reduced and it will cause a lot of trouble.

2. Rule 2: When applying for a card, cardholders should not think that they want to apply for a high-limit credit card just because they have a car and a house. If they do not contribute to the bank, no matter how good the conditions are, the bank will not apply for it for the first time. For high-limit credit cards (except for special circumstances), the high limit will gradually increase based on credit and card usage.

3. Rule 3: Try to control your consumption. Try not to use credit cards to withdraw cash or use credit card money to invest, because the interest and handling fees for credit card withdrawals are very high. It is okay to make money by investing. If something goes wrong, how will the money in the credit card be paid back?

4. Rule 4: The money in the credit card can be used in many ways, don’t just use one item; develop a good habit of swiping the card, no matter how much the amount is, but it is best to swipe the cap machine less Or you can not brush it, but you can also make appropriate installments, which will help increase the limit.

5. Rule 5: Don’t trust salesmen or intermediaries who apply for high-value credit cards. This will put risks on the credit card and lead to information leakage and theft.

6. Rule 6: It is recommended that cardholders apply for a card early and maintain it early. Don’t think of applying for a credit card only when you have no money. In this case, the bank will generally not apply for you.

7. Rule 7: Apply when you encounter a suitable opportunity. Don’t be too picky about choosing a bank, because if you miss a reasonable opportunity, you may not meet the requirements when you want to apply.

8. Rule 8. For credit card repayments, cardholders must learn to use multiple repayment methods. If there is a problem with the commonly used repayment method, the cardholder can also try another one. The repayment method can avoid unnecessary credit problems.

What are the 10 steps to use your credit card correctly?

10 steps for using credit cards correctly:

1. New cards cannot be swiped out at once, and consumption categories must be increased. 2. Do not make long-term purchases at fixed merchants or discount merchants for several months. 3. Do not use one card on a fixed date and swipe it out on the same capping machine at the same time. 4. Do not conduct transactions beyond normal hours. 5. Do not use Alipay for payment within a short period of time. 6. Don’t let your credit card remain empty for a long time. 7. Use your own credit card, do not use your own POS machine. 8. Integer single transactions are not allowed. 9. The same card cannot be used on multiple terminals in a short period of time. 10. The card cannot always enter the wrong password.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back.

Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with the merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the specified credit limit. The so-called credit card generally refers to a credit card only.

How to use credit cards correctly

1. Understand credit cards: Understand the credit limit of the credit card, the annual fee of the credit card, and the policies and regulations of the credit card, and be comprehensive, accurate and detailed about the credit card understanding.

2. Make reasonable consumption: While credit cards bring convenience, they can also easily lead people to consume ahead of schedule, especially for young people who lack self-control. Therefore, consumption must be reasonable.

3. Use preferential policies wisely: Using a credit card is not only convenient and fast, but also there are many discounts for using a credit card. For example, you can exchange points for spending with a credit card, then use points to exchange for gifts, or use points for shopping Discounts available.

4. If you do not need a credit card, you must cancel the card so that the bank will not deduct the annual fee.

How to use credit cards appropriately? Don’t touch these aspects!

Nowadays, everyone is accustomed to using credit cards, but some people will increase their credit limit soon, while some people will not only be unable to increase their limit, but will also have their limit reduced. So how do you use your credit card rationally to get the "favor" of the bank? Let me briefly talk about it today, I hope it can be helpful to everyone.

1. How to use credit cards reasonably?

1. Don’t withdraw money immediately: Some users withdraw their credit limit immediately after repaying the loan. Doing so can easily lead to risk control by the bank. It is best for everyone to wait two days after repayment before swiping the card, and pay attention to the appropriate frequency and amount of swiping the card.

2. Do not frequently make large purchases: For ordinary users, credit cards are usually used for daily life and entertainment expenses. If you often make large purchases, it is definitely unreasonable and will easily attract the attention of banks. .

3. Do not frequently overdraft or make installments: it will give the bank the feeling that "the user may be in economic crisis." Frequent overdrafts and installments will not solve the root cause of the problem, but will increase the user's risk. pressure.

4. Don’t swipe the card for abnormal amounts: If you often swipe your card with regular numbers or numeric amounts to decimal points, it can easily be considered a violation.

5. Don’t be overdue: Needless to say, overdue payments will definitely affect the user’s credit score in the bank.

The above are the relevant answers to "How to use credit cards reasonably?" In general, there are still many techniques that you should pay attention to when using credit cards, especially don’t make in-and-out transactions, frequent installment overdrafts, overdue payments, etc. Otherwise, once you are risk-controlled by the bank or blacklisted, the consequences will be serious. .

That’s it for the introduction on how to use credit cards rationally.