In general, credit cards don't cost money and don't need to pay handling fees. Under normal circumstances, the expenses that may be incurred after the user successfully applies for a credit card are the annual credit card fee, which is directly deducted from the credit limit of the credit card, and the cardholder does not need to pay extra, as long as he repays on time.

How to use a credit card:

1. Activate the credit card. Only after you have successfully applied for a credit card can you use it.

2. Consumption or cash withdrawal: after the credit card is activated, it can be used for consumption, can be bound to Alipay, WeChat and other software for consumption payment, and can also be used by merchants. If you are in urgent need of cash, you can also withdraw cash through the bank counter or ATM.

3. Repayment: repay the arrears after consumption and cash withdrawal on schedule, so as not to affect future consumption.

Precautions for using credit cards:

1. Repayment on time: If the arrears are not paid off on time, their credit records will be affected and liquidated damages for delay will be charged.

2. Diversification of consumption: You can spend credit cards in places you don't use, such as restaurants and shopping malls.

3. Don't swipe your card too short: Don't swipe your card too often. If the card swiping action is abnormal, it is easy for banks to control risks.

Disadvantages of credit cards:

1. Credit cards can easily lead to excessive consumption. This is a common problem for people who are caught in card debt, and swiping the card does not hurt the banknotes, so the consumption of swiping the card is even more unrestrained.

2. The annual interest rate of credit card is as high as 18%, which is true and can make the borrower lose blood quickly.

3. Credit card debt brings mental stress. Some card slaves report that they are often afraid of opening mailboxes or emails.

4. If the credit is not good, the cost of borrowing money is higher, or even you can't borrow money.

5. Credit card provides a kind of choice to support debt by debt and quench thirst by drinking poison, which leads to debt out of control.

Don't blindly pursue high quotas. Many people pursue credit card limits. In fact, the credit card limit is enough for you for one month. Too high a quota will sometimes promote your consumption. If the card is lost, there will be security risks. Your monthly spending has nothing to do with the credit card limit. Strictly speaking, it depends on your income level. Don't spend blindly because of the high credit card limit.

Don't overdraw. Overdraft requires a handling fee. If you overdraw 1 0,000, you need to charge 1 0,000, plus interest, which is 1 0,50, up to 30% annual interest rate! Two cards are most suitable, and it is best to use a savings card for repayment. If you pay more, you will easily forget to pay back the money. If you are not careful, you will have a bad credit record. In a word, credit cards are payment tools, not investment tools. The key is how to use credit cards and how to bring us more benefits.

Do I have to pay if I don't use a credit card? Some credit cards also charge.

With the development of society, people's consumption demand is increasing gradually, and more and more people apply for credit cards. There are always some people who follow suit. Credit cards are useless, so I'm worried that if I don't use them, I'll be deducted. Will the credit card be deducted after it is not used?

1. The credit card is not activated.

Many credit card salesmen have a set of rhetoric when you ask "Do I have to pay for not using a credit card?". "You can apply first, and it doesn't matter if I don't need a credit card in the future. I don't use a credit card, I don't activate it, just like I didn't do it, and I don't charge any fees. " If you choose to handle it, you must call the credit card customer service phone in time for consultation. Some banks charge an annual fee for credit cards, even if you are not activated.

Take Hua Xia Bank as an example, the standard card, ordinary card and gold card of its co-branded cards will not generate annual fees if they are not activated, and will automatically become invalid when they expire. If you choose not to activate when applying, it will be activated automatically, resulting in an annual fee.

In addition, some special credit cards need to be charged without using them, which means that if they pass the examination, an annual fee will be charged regardless of whether you activate them or not.

Second, the credit card has been activated.

After activation, if you don't use a credit card, you will incur a fee. Almost every bank's credit card has an annual fee. If you use credit cards frequently, you don't need to worry about the annual fee, because banks generally have annual fee reduction activities, and you don't have to pay the annual fee for how many times and how much you spend.

Reminder: After applying for a credit card, personal credit will not be affected if it is not activated. However, if this behavior occurs many times, the bank will think that you are suspected of maliciously handling the card. Therefore, I suggest that you don't follow the trend, let alone intensively handle cards. Don't do it before the credit card is useless, and you will be charged if you don't use it.

Why do credit cards charge an annual fee?

The reason why banks issue credit cards is to make money. One aspect of profit is the annual fee. The main way to make money is through the cardholder's credit card consumption.

General standard credit card annual fee is about 100 yuan, and gold card annual fee is generally 200 yuan or 300 yuan. The annual fee policy of most banks will not change easily. However, the annual fee standard of different bank credit cards will vary according to different cards. Even for credit cards issued by the same credit card center, the annual fee standard will vary greatly. Cardholders should first ask how high this "potential cost" is when they apply for a card. The annual fee of a single-currency card is lower than that of a dual-currency card. Generally, the annual fee of the supplementary card is halved corresponding to the annual fee of the main card.

For example, the annual fee for Shanghai Pudong Co-branded Card is 360 yuan; Shanghai Pudong Development Bank standard credit card, the annual fee of the main card is 180 yuan, and the annual fee of the auxiliary card is 90 yuan; The annual fee for the gold card is 180 yuan for the supplementary card and 360 yuan for the main card; As for PUFA McDull series credit cards, the signboard of "Free Annual Fee for Life" has been put up.

Extended data

1. What does the annual credit card fee mean?

The annual credit card fee refers to the annual credit card fee. Each credit card has a corresponding annual fee, and the annual fee of each card in each bank is different. Generally speaking, the annual fee will not be charged until the credit card is activated, which means that you will start to use the card and then charge a usage fee. In order to encourage consumption, the bank has given various annual fee reduction policies. The most common is: the annual fee is free for the first year of credit card opening, and it will be free for a certain number of times in the future. This is a common annual fee-free policy for credit cards.

2. Does the credit card not activate the annual fee?

According to the regulations of China Banking Regulatory Commission, under normal circumstances, banks are not allowed to charge annual fees for inactive credit card holders, which means that the usual credit cards need not be inactive. However, the CBRC also stipulates that unless the bank has a contract or agreement with the applicant, the annual fee can still be charged if the credit card is not activated. For some special bank cards, such as high-end cards, customized cards, etc., due to the high cost of business card printing and many value-added services, banks will charge an annual fee. In this case, the user may be overdue due to the annual fee generated by the inactive credit card.

How much is the annual credit card fee? Why do you charge an annual fee?

The annual credit card fee refers to the annual credit card fee. Each credit card has a corresponding annual fee, and the annual fee of each card in each bank is different. Generally speaking, the annual fee will not be charged until the credit card is activated, which means that you will start to use the card and then charge a usage fee. In order to encourage consumption, banks will give different annual fee reduction policies.

Generally speaking, credit cards and gold cards are exempt from the annual fee in the first year, and the annual fee in the following year can be exempted if the card is swiped for a certain number of times in that year. The number of times each bank needs to swipe its card free of annual fee is different, which is subject to the standards published by the credit card issuing bank.

There are also some high-end platinum cards and unlimited cards that do not have an annual fee-free policy for the first year. Even if it is not activated, there is an annual fee. As long as it is approved, the annual fee will be recorded immediately and needs to be repaid in time.

The reasons for charging the annual credit card fee are as follows:

First of all, every time a bank issues a credit card, there is a certain cost. For example, the basic salary of the card clerk, the commission of the card, such as the production cost of the card, such as the mailing cost of the card. According to incomplete statistics, the cost of issuing a credit card by a bank is as high as several hundred yuan. So we can understand why there is an annual fee. There is a simple reason. If the bank bears such a high cost, and the credit card you get is not used and cannot contribute to the bank, then the bank is doomed to lose money, so the bank will have an annual fee.

Secondly, it is because every credit card is issued with certain rights and interests. For example, the owner card of Ping An will get a 28% discount on gas. For example, CITIC Bank Card 9 yuan will watch movies, such as the VIP channel in the ICBC terminal. These equity banks must bear the cost. Banks are actually creating benefits for customers at a loss, so they must earn it back from the annual fee. This is basically the reason why the annual fee is linked to the rights and interests. Generally, the annual fee is relatively low and the rights and interests are low; The higher the annual fee, the higher the rights. At present, the annual fee is generally tens of dollars, and many of them reach tens of thousands.

Credit cards have never been swiped. Why do I need to pay an annual fee?

There is an annual fee. According to Article 49 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, the issuing bank shall establish operating procedures for credit card activation and check the identity information of credit card holders before activation.

A credit card whose applicant has not signed a contract (agreement) and whose identity has not been confirmed by the activation procedure shall not be activated. The new card, lost card, damaged card and expired card must be activated before the cardholder can use it.

The credit card is not activated by the cardholder, and no fees may be charged. Under special circumstances, except for the cardholder's written charge, customer service telephone recording, electronic signature and the way recognized by both the cardholder and the issuing bank, the creditor-debtor relationship formed when changing the card.

Without the activation and use of the cardholder, the credit card shall not issue any gifts or gift certificates. In other words, once activated, there is an annual fee.

Most credit cards do not charge an annual fee if they are not activated, and a few special cards will also charge an annual fee if they are not activated. The bank that handles the card will give a special reminder when handling it.

After the card is activated, there may be an annual fee if it is not applicable for a long time. I suggest you contact the bank to confirm whether there are any remedial measures.

It depends on what kind of credit card you have. Generally, there is no annual fee if the credit card is not activated. The annual fee for the UnionPay version of Longka Family Credit Card is 580 yuan/card/year, and the annual fee for the supplementary card is 300 yuan/card/year. There is no annual fee for swiping a card. Whether the card is activated or not, China Construction Bank has the right to charge an annual fee.

In fact, the regulations of each bank are different. I suggest you call the customer service phone of the bank to find out clearly when you apply for a credit card. Don't be misled by the credit card business representative, causing your own financial losses and affecting your credit history. Long-term unused credit cards must be cancelled in time. Credit card activation means that after receiving the credit card from the bank, the customer calls the bank to activate the credit card. A related person of CITIC Bank said: "The so-called activation is only a security measure to prevent theft, and it is not necessarily related to charging." Every credit card has a production cost. From the moment the bid is successful, the credit card account has been generated, and the bank has to pay the costs of data processing and information maintenance. These costs do not exist because they are not open. Therefore, it is "beyond cost" for banks to charge annual credit card fees.

Agricultural Bank, Industrial Bank, Minsheng Bank, Guangfa Bank, at present, credit cards are not activated, and no annual fees are charged for the time being.

Banks such as ICBC, Bank of Communications, China Merchants Bank, Shanghai Pudong Development Bank and Shenzhen Development Bank will also charge annual fees if their credit cards are not activated. Among them, Bank of Communications and Shenzhen Development Bank are exempt from annual fees for the first year. There are also Olympic cards of China Bank and Longka of China Construction Bank. This also requires paying an annual fee on the premise that the credit card is not activated.

Nowadays, in order to cope with the increasingly fierce competition, the banking industry has launched many preferential activities, such as free annual fee for credit cards in the first year, free annual fee for the following year for five swipes in the first year, free telephone charges for each swipe, and free subway cards for each swipe. I suggest that you don't be tempted by gifts, and read the credit card application terms carefully to avoid regret. Some gifts can't be closed for several months, otherwise they will be returned or deducted the same amount. Once the annual fee is in arrears, personal credit will have a bad record, which will directly affect the approval of future home purchase loans and car purchase loans. For those who have already incurred the annual fee, I suggest you pay it off. For those who have just applied and never used it, you can swipe your card for a specified number of times, and then cancel the account without annual fee.

So much for the introduction of why credit cards should be paid.