Needless to say, the practicality and convenience of credit cards, now is an era of basically one card for everyone or even more cards for everyone. There is a world of difference between the card god and the card slave. Today, I will give you some suggestions to help the useless credit card whites sort out a detailed credit card use strategy. I believe you can be a card god.
1. Pay attention to the billing date and repayment date. The repayment date is 20 or 25 days after the bill date, so pay special attention. Also, if you swipe your card one day after the bill date, the interest-free period is the longest. Credit card is swiped on the day of bill, and the interest-free period is the shortest. Card friends must make good use of the interest-free period, be highly alert to the repayment date, ensure that they use their cards and leave a good credit record;
2. Protect credit card information. The three most important information on the face of a credit card are the expiration date and CVV code, which affect the security of using the credit card. CVV code is the most important. It is as important as the credit card password. Remember to remember these three numbers. CVV code can be covered with correction fluid or sticker, or it is safest to scrape it off with a blade.
3, the credit card should be used frequently, and the annual fee can be waived if you swipe your card more. This can be said to be the most important part of the credit card use strategy. It is advisable to use it frequently after handling the credit card, because the annual fee can be waived if the credit card is swiped six times. So brush it at least 6 times, so you don't have to pay an annual fee. In addition, there are many credit cards and frequent credit card spending, which can increase the credit card limit.
4. Repay on time and increase the credit line. Repayment on time can maintain a good credit record and is also a way to increase the credit limit. In addition, there is another way to increase the credit limit, that is, do more credit card installment, so that banks can make your money and withdraw cash faster. This method requires a certain cost, so remember to use it carefully.
5. Choose the repayment method that suits you. Credit card repayment methods are diverse, and you don't have to go to a bank outlet or ATM to transfer money to repay. Credit card repayment methods include Alipay repayment, Tenpay repayment, online banking transfer repayment, Lacarra repayment, debit card binding automatic repayment, UnionPay online repayment and so on. Therefore, choose the way that suits you and repay the loan on time in the quickest and most convenient way.
6. Clever use of credit card official WeChat to remind consumers. Now many credit cards can pay attention to the official micro-signal of the credit card and bind the credit card account number, so that consumers can be reminded immediately. Remember to develop good credit card habits, protect your credit card information, and apply for loss reporting in time once you find lost or leaked information to prevent the loss from expanding.
The above is a simple credit card use strategy. I believe that card friends have also found that the key to the use of credit cards lies in whether they can find a balance between consumption and repayment and try their best to strive for their own best interests. Don't wait, click on the credit card application channel and start your card-god road immediately!
Introduction to credit card application
In a blink of an eye, 20 15 passed. The Chinese New Year is coming soon, and many card friends definitely want to apply for a suitable credit card for a good year, and the beginning of 20 16 is a good time to apply for a credit card. Let's talk about the 20 16 credit card application strategy to help you apply for a suitable credit card in the new year.
First, apply for a credit card strategy:
1. If your conditions are not so good and you want to apply for a credit card smoothly, you can choose an issuing bank that is easy to get off the card. The approval of state-owned banks is generally strict, and commercial banks with less strict approval can be considered.
2. Don't blindly apply for a credit card. You should choose the right credit card according to your own needs. Everyone must be rational when applying for a credit card. Don't apply for a credit card just because some credit card salesmen tell you to get a gift. It is very important to choose cards according to your regular living habits and uses.
Second, fill in the information strategy:
1, work address, company telephone number, fixed telephone number, etc. shall be truthfully filled in. If there is no fixed telephone number, you can fill in the fixed telephone number of relatives and friends.
2. Take photos and save them. So that the bank can pay a return visit.
Third, choose a credit card strategy:
Introduction of eating, drinking and having fun: Introduce all cards except air mileage, including China Merchants Bank young Card, Bank of Communications y-power Card, CITIC Card and China Everbright Card.
Shopping introduction: supermarket co-branded card, introducing CITIC Carrefour card and Bank of Communications supermarket co-branded card.
Business travel demand introduction: the joint cards of airlines introduce Pudong Eastern Airlines or China Southern Airlines.
Study abroad: Introduce all currency cards, including CITIC Currency Card, China Merchants Bank Currency Card, Huaxia Currency Card, China Bank Great Wall Card and Agricultural Bank emv Card.
Credit card withdrawal skills introduction
1. Repay on time. For credit cards, timely repayment is very important. In the process of use, if the user is overdue, it will not only be detrimental to credit card withdrawal, but also affect personal credit. Therefore, in the process of use, users should repay on time and maintain good credit, which is very helpful for our credit card withdrawal.
2. Use more credit cards. The main function of credit card is consumption. Therefore, in the process of daily consumption, it is best to use credit cards where users can pay by credit card to increase the activity of credit cards. Let the bank see that users do have financial needs. It will also be good for our credit card withdrawal after such a period of time.
3. Reduce the number of withdrawals. In addition to consumption, credit cards also have the function of withdrawing cash, but users need to pay the corresponding handling fees and interest. However, in the daily use of credit cards, users had better reduce the number of withdrawals. Because of too many withdrawals, it is easy for banks to think that users are often short of funds. In order to reduce the risk, banks are likely to take measures to reduce the amount. This is very unfavorable for us to raise cards.
4. Buy the bank's wealth management products. If users have spare money, they can consider using credit cards to buy wealth management products, so that banks can see the financial strength of users, which is also very helpful for us to raise cards and increase the credit card quota.
5. Increase your consumption type. There are many places to use credit cards, such as shopping malls, convenience stores, bars, KTV and various online shopping. Therefore, users can use credit cards in these places to increase consumption types, which is conducive to our card maintenance.
Introduction to credit card use skills
Tip 1: Look at the bill. If you can't read the bill, you don't know how much money you have deducted from the bank. Generally, banks provide two kinds of bills: electronic bills and mailing bills. Sometimes mailing bills in time may delay repayment, and for environmental protection, it is recommended to choose electronic bills.
Here are the terms of the bill you need to know-
Credit limit: the overdraft limit given to you by the bank.
Cash advance limit: the amount that the bank allows you to withdraw cash from the ATM. Generally, it will not exceed half of the credit line.
Current billing date: the billing date of consumption within one month after the last billing date.
Last repayment date of the current period: the deadline set by the bank to repay the bill amount of the current period. Overdue repayment, or repayment does not reach the minimum repayment amount, is regarded as breach of contract.
Minimum repayment amount: the minimum repayment amount of this order is generally about 10% of the total consumption.
Tip 2: Choose time to spend. Make good use of the interest-free period
If you are not in a hurry to spend by credit card, you'd better enjoy the longest interest-free period Interest-free period: Simply put, credit card overdraft means how long it takes not to pay interest to the bank, but it should be noted that there is no interest-free period for the cash withdrawal part.
According to the time limit, the interest-free period can be divided into the longest and shortest. The interest-free period varies from bank to bank, generally 20 -50 days or 25-56 days. How to obtain the longest or shortest interest-free period can refer to the following figure:
Tip 3: Know how to calculate interest. If you can't pay off all the credit card debts before the final repayment date, you have to pay interest at the rate of five ten thousandths per day, and the base for calculating interest is all the outstanding parts of your day.
For example, the bookkeeping date is 10, and the final repayment date is 28th. If you spend 5000 yuan on 1 1, then this amount will be charged to the bill on 10 next month. If it is paid off before the 28th of next month, there will be no interest at all. However, if there is no full repayment, even if it is 4,999.99 yuan, the bank will calculate the interest at 5,000 yuan from 1 1 this month!
Tip 4: Learn to repay. Now we know how the interest is calculated. If your financial quotient is high enough, you should know that only two repayment strategies are cost-effective. The first one is to repay in full on the last repayment date, so that the banker's "dream" is dashed. Second, if it is really inconvenient to repay in full, the minimum repayment amount will be paid on the last repayment date.
If you can afford it, you'd better pay it back in full. If it cannot be repaid in full, it should also be repaid according to the minimum repayment amount before the final repayment date. This does not affect personal credit. It should be noted that if there is cash withdrawal in the current period, part of it should be repaid to offset the possible interest.
So much for the introduction of credit card raiders.