1) The credit card limit can reach more than 1 million.

2) The status of credit cards in the economic circle

3) The longest interest-free period is not 56 days.

Generally speaking, the interest-free period we see is 56 days, but in fact when using a credit card, the interest-free period can reach more than 100 days because there is a waiting period for bill settlement. If you swipe your card for consumption during this period, the next period's bill will be credited to your account, so it is equivalent to two interest-free periods. In addition, the accounting date can be adjusted twice a year. If you apply to change the accounting date the day before the bill comes out, 28 interest-free days will be added, so the maximum interest-free period is not 56 days.

4) Women are more likely to get unstuck than men.

In fact, we can see that women have significantly more credit card promotions than men, because women keep their promises better than men, and women have stronger spending power than men, so the success of credit card applications The rate is also higher for women than for men.

5) Beware of the “trap” of gift cards.

Many friends may have applied for bank credit cards during promotional gifts, but before applying for a card, you need to know whether there are conditions for this gift. For example, giving a gift requires installment payment with a credit card and monthly repayments. After some gifts are divided into installments, the annual fee is promised to be waived in the first year, but it is charged in the second year.

6) If the credit card is not activated, annual fees may also be incurred.

7) ***Enjoyed credit limit does not equal ***enjoyed repayment.

Some friends may have applied for multiple credit cards at the same bank, and these cards will occupy the limit at the same time, which is what we call limit sharing. However, it should be noted that the credit limit is exclusive but the repayment is not exclusive, that is, each card has its own bill and needs to be repaid separately.

8) The three digits on the back of the credit card are very important

The three digits in the signature column of the credit card can be called the CCV security code. When paying online, you only need to enter the card number, CCV code and validity period to complete the payment, so these three numbers are very important and should not be leaked easily.

9) Some "late repayments" will not affect your credit report.

There is a grace period for bank repayments. This grace period is usually 1-3 days after the repayment date. If you repay the loan in full during this period, it will not be considered overdue, and of course it will not affect your credit score. Related questions and answers: