Excess money in a credit card can be spent by swiping it. If you spend another 500 yuan, you don't have to pay back the money on the repayment date, just deduct it from this thousand Li. However, your credit card electronic bill or the bill mailed to you will also show that you should still be in 500 yuan during this time. You don't have to pay attention to this. You remember that your credit card has 65,438+0,000 yuan. When did you brush it?
Just go to the counter and get the credit card. There is no handling fee. Credit card will only charge a handling fee for withdrawing money, and it is very high. Another thing to note is that even if you pay back 1000 yuan from Carido, you can't take it out, because there is a handling fee for withdrawing money from the credit card. It is better to put the money in an ordinary bank card for easy access. Credit cards are just convenient for consumption and can help you when you are short of money. It's really not as convenient as ordinary bank cards in saving money.
Top ten benefits of credit cards:
First, we owe less.
When you are in urgent need of cash, you can overdraw your credit card if you are embarrassed to ask your relatives and friends. Although five ten thousandths of interest is like++,you can weigh it yourself.
Second, it is relatively safe.
Spend money by swiping your card as much as possible, so you can bring less cash.
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On the body-even if it is stolen or lost, it can reduce the loss. If the cash is lost, the possibility of getting it back is slim; But credit cards are different. Even if it is stolen or lost, we can find the loss report at the first time. Even if your credit card is stolen without a password, it is much easier to trace it-because every credit card has a record, not to mention the bank will bear the loss 48 hours or even 72 hours before reporting the loss. In addition, if you spend in cash, you may get back the counterfeit money once!
Third, clean and hygienic.
With a large cash flow, you can imagine the bacteria on the coin, and the credit card has been touched by several cashiers except yourself-even if the credit card is dirty, it can be disinfected and cleaned.
Fourth, save money.
Many banks' credit cards have cooperation or promotion with merchants, such as returning the existing discount by swiping the card, watching a movie or eating western food with a 15% discount. In addition, credit card points can also be exchanged for some gifts in daily life, and there are even some lucky draws.
Verb (abbreviation for verb) is convenient
If there is a "VISA" or "MasterCard" logo on the credit card, you can spend it directly abroad, and the savings card or cash must be exchanged first; In addition, it is also convenient to book air tickets, hotels, telephone or online shopping and car rental with credit cards, but savings cards may not have this benefit-because credit cards have the function of "pre-authorization" in addition to direct credit card swiping; There is also the embarrassment of not changing.
Sixth, ease economic pressure.
If there is a certain economic pressure to pay a large amount of consumption at one time, you can use a credit card to pay in installments and enjoy your favorite items in advance; Although you need to pay a certain handling fee, I think it's worth it compared with enjoying the intangible value produced by half a year or even a year in advance. Of course, spending in advance should be done according to one's ability.
Seven, the accumulation of personal credit records
More use of credit cards and timely repayment can improve the credit limit and credibility. At the same time, the people's bank of China's personal credit database will have your good credit record, and it will be much easier to approve loans to buy a house and a car in the future.
Eight, apply for supplementary card
If you apply for supplementary cards for family members, especially children, you can basically grasp their financial status such as consumption expenditure, which is convenient for educating children about financial management and consumption awareness.
Nine, easy financial management
After the billing date, we will receive a detailed consumption bill in the form of paper or email. From the bill, we can clearly understand our consumption and expenditure last month.
X. Additional benefits
Some credit cards also provide free accident insurance, medical insurance, trailer and car wash, enjoy the service of VIP rooms in banks or airports, and can also exchange benefits such as voyage and gasoline points.
Seven disadvantages of credit cards:
First, 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. However, what to buy and what not to buy can be treated irrationally? !
Second, excessive consumption.
Notebook staging, digital camera staging, smart phone staging, while enjoying your favorite items in advance, you should also consider whether your salary is just a drop in the bucket when you repay next month.
Third, the interest rate is high.
If you can't take good care of your credit card and can't repay it on time when the final repayment date comes, the bank will charge a certain interest fee to avoid greater risks, and you can only blame yourself.
Fourth, 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; On the contrary, the savings card has received a small fund management fee since 2006, and it has to pay one or twenty yuan a year. If you apply for a credit card and can't swipe it three or five times a year or don't know it, then the bank will charge you an annual fee.
Five, stolen brush
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 use passwords to apply for spending-it depends on how you manage credit cards.
Six, the impact of personal credit records
Long-term malicious default will naturally affect personal credit records and even be blacklisted by banks. It will be difficult to buy a house and a car from a bank loan in the future-but if you don't want it, you won't be able to manage money yourself.
Seven, repayment trouble
Going to the bank every month is often overcrowded; In fact, there is only one savings card with online banking, and you can repay the credit card for free through the Internet such as WeChat, Alipay and Tenpay.
What if the credit card is overdrawn?
If the credit card repays a lot, then the cardholder only needs to swipe the card afterwards. Because the extra money will form an overpayment in the card, the cardholder will generally give priority to deducting the overpayment and then deduct the credit line of the card when spending by credit card. In the next billing month, the overpaid part can also be used for repayment.
Of course, cardholders can also choose to withdraw the money returned by Carido or transfer it to a debit card. If the credit card overpayment is cashed or transferred, some banks may need to charge a certain handling fee. I suggest you know the bank's charging standard first, and then decide whether to take out the excess money paid by the credit card or transfer it.
Extended data:
1. Can I withdraw cash by credit card?
Credit cards can of course be withdrawn. You can withdraw money directly from the UnionPay deposit and withdrawal machine. The withdrawal amount is half of the credit card amount. If your credit limit is 50000, you can only withdraw 25000 at most. And the interest is high. Bank of Communications charges 0.5% a day, which means you get 1000, 15 yuan a month. ++++Interest is calculated on a daily basis, starting from the day you withdraw cash.
2. How can I withdraw my credit card to the bank card?
If you want to withdraw the credit card limit to your own bank card, the customer only needs to find the credit card in the online banking or mobile banking client and personal account page of the issuing bank on the credit card APP, select the withdrawal option to advance cash, and select the savings card to transfer in.
Third, the correct way to withdraw cash by credit card
1. The correct cash withdrawal methods for credit cards are: ATM cash withdrawal, bank counter cash withdrawal, and cash advance business through online banking and mobile banking. There is a limit on the withdrawal amount of credit cards. Generally, the cash withdrawal amount is half of the credit line of credit card, and only a few credit cards have the cash withdrawal amount of 100% of the credit line.
2. When the user uses the credit line of the credit card, the withdrawal amount will be reduced accordingly, so when the withdrawal fails, it may be caused by insufficient withdrawal amount.
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Four. The specific credit card repayment period and penalty are as follows:
1, if it is paid off in full, it will not generate any expenses;
2. Credit cards generally have a grace period of three days after the repayment date, and repayment within the grace period is regarded as timely repayment;
3. If the minimum repayment amount is paid, the daily interest needs to be calculated, starting from the consumption bookkeeping date;
4. If the repayment exceeds the grace period or the repayment amount is lower than the minimum repayment amount stipulated by the bank, the interest will be calculated from the bookkeeping date, and a late fee of 5% of the unpaid part of the minimum repayment amount will be charged monthly;
5. The specific daily interest of various credit cards may be different.
What if there is too much money in the bank credit card?
1, there are several ways to save more money on bank credit cards:
2. 1: If you are in a hurry to use cash, you can go to the ATM and withdraw the extra money. However, there must be a credit card withdrawal fee during this period. Even if you take out more money, it will be charged by credit card withdrawal.
3,2: If you are not in a hurry to use cash, you can deposit it in a credit card, but there is no interest. In this way, the next time you swipe your card, as long as the money you spend does not exceed the deposit, you don't have to pay back the credit card, which is more worry-free, but there is a disadvantage that it is inconvenient to deposit money in the credit card and it is interest-free.
4. Summary: It doesn't matter how much credit card is repaid. This part of the money can be credited to your credit card account, and you can pay less next time. However, the bank will not give interest on the money deposited in the credit card, and the cash withdrawal is charged according to the credit card.
More about what to do if there is too much money in the bank credit card? Go to: See more.
How to pay back the credit card if it is overpaid?
If the credit card is overpaid, the general bank will not refund it. If you want to withdraw, you can only withdraw by credit card. Banks will charge interest on cash advance, and the cash advance fee of each bank is different.
Generally speaking, when a credit card repays, the excess will be left in the credit card as an overpayment, which can be used normally by swiping the card or for online payment, and the bank will not charge interest. If the credit card is in arrears, this overpayment will automatically offset the credit card arrears.
Extended data:
1. How can I repay my credit card?
1. Credit card repayment is heavy. If the overpaid funds become overpaid, the user can directly withdraw the overpaid funds.
2. If the repayment funds are not converted into overpayment, users need to keep relevant evidence of two repayments. After submitting evidence to the bank, it is proved that there are repeated deductions. After the bank verifies that it is correct, the repayment funds will generally be returned in the same way within a few working days.
So there are two ways to solve the problem of heavy credit card repayment. Although the overpaid part can be withdrawn directly, some banks need to pay a handling fee to withdraw the overpaid part.
So much for the introduction on how to pay back the credit card.