1. What should I do if I forget to repay the loan?
Whether it is due to poor cash flow or delayed repayment due to other matters, don’t worry, call the bank immediately to explain the situation and apply for an extension of repayment. At present, most banks provide "time tolerance" services. The so-called "tolerance" means that repayment can be postponed for 1-3 days without affecting personal credit. Three days is enough time to repay the loan.
2. What to do if funds are tight?
Funds have been too tight recently and I will definitely not be able to repay the loan in time. There is a solution, which is to apply to change the billing date, which can extend the repayment time in disguise. Take advantage of the opportunity of "changing the bill date" to enjoy a long interest-free period to help relieve financial pressure. However, this skill cannot be used every month. Some banks can only apply for changes once every six months, some banks can only apply for changes once a year, some banks can only change them once in a lifetime, and some banks do not support bill modifications. day, so be sure to inquire clearly.
3. Can credit card installment be used?
Credit card installment is very convenient for many people. But be clear, credit card installment interest is very high, and there are also handling fees. It is generally not recommended that everyone use installment plans, except in special circumstances, such as those who cannot repay their credit card debts on time and those who want to increase their credit card limit as soon as possible. In addition, some slogans such as "interest-free installment" must be noted. "Interest-free" does not mean "free". There is also a "handling fee".
4. Beware of credit card consumption traps
When using credit cards, you must pay attention to guard against various consumption traps. Basically all banks will promote additional credit card services, such as insurance services. If there is no special need, it is recommended to refuse directly and hang up the phone immediately, otherwise the other party will continue to harass you.