Speaking of tricks, how deep the bank’s tricks are, you will know if you have been tricked. The credit card standards of each bank are different. If you are not careful, you will be tricked. If you want to get twice the result with half the effort, Avoid being tricked. To be honest, there are many tricks mentioned below. You need to pay attention to them.
Routine 1: Repay the loan in advance after installment payment
Everyone knows that after a credit card installment, only the installment fee will be deducted, and the loan interest will no longer be deducted. Choose 3, 6, 9, 12...24 installments. Some friends will think that if I divide it into 6 installments, if I pay monthly, then I will pay it off in one lump sum in the second month. Is it unnecessary? Have you paid the service fees for the remaining 4 months? In fact, even if the cardholder repays the loan in advance, the bank will require the cardholder to pay the installment service fee.
Treat 2: Failure to activate will not incur annual credit card fees
There is a requirement in the credit card management regulations that no charges can be deducted from the credit card without activation by the cardholder. However, this regulation Additional "special circumstances" also indicate that the annual fee exemption for unactivated credit cards does not include all credit cards. For example, some high-level credit cards and some unique types of credit cards will have the annual fee deducted even if they are not activated.
Routine 3: Bank staff recommend over the phone
Friends, have you often received calls from bank online customer service to recommend applying for XX, inviting you to apply for credit card installments, cash Installment, investment and financing, borrowing. Let me first tell you that you are a high-quality customer of the bank, mention your recent consumption status, accommodate that you have consumed a lot recently, pay in installments to reduce your economic pressure, etc., and also pay attention to exempting loan interest from you, which will eventually lead to success. In one sentence, only the service fee will be deducted. If you do not use this service, you will have paid a service fee in vain. In fact, every time I receive such a call, I will say, since I am a high-quality online customer service, can you help me raise a fixed credit limit first?
Treat 4: Cancellation of the card is just a phone call
The editor once saw a netizen on the Internet making fun of the difficult journey of canceling a certain bank's credit card, although the card was eventually cancelled. Although my credit card was suspended from 2014 to 2016, the annual credit card fees were still being charged, and I was charged every time the loan was overdue. I recorded my credit report.” In the end, the provident fund mortgage was also rejected. The whole process of this matter was being deceived into opening a card - turning it into a sleep card - causing late payment fees for credit card annual fees and taxes in the second year - calling to cancel the card for the first time - paying various fines - canceling the card for the second time. The online customer service MM said that the account cancellation was successful - received the income and expenditure details in 15 years - paid the fine and found out why the account was not closed successfully - the bank counter staff said that they would call to verify after one month whether the account cancellation was successful - the third phone call to cancel the account Card - a month later it was confirmed that the account was successfully closed - the loan was found to be overdue 4 times in 2016 - the housing provident fund mortgage was rejected.
What I mentioned above is the personal experience of a netizen. While I sympathize with this netizen, I also advise friends who swipe their cards to solve the problem of unused cards as soon as possible. There is a 45-day waiting period for account cancellation. Remember to confirm again after 45 days whether the account cancellation was successful. The above examples tell you that the final confirmation is indeed very important. We cannot rely on banks to be responsible to everyone.
Routine 5: It’s not easy to report a lost credit card
It’s inevitable that you don’t know where your credit card is lost. It’s not easy for friends to report a lost credit card over the phone easily. It’s okay to pay dozens of yuan for a card. But if the wallet is lost, the credit card’s loss reporting fee is between 30 and 80. It’s a large amount that you can calculate by yourself. The card replacement fee is not a big deal, but reporting the loss of your ID card and running back and forth to the bank are the most tormenting areas.
Routine 6: The minimum repayment is not cost-effective
Friends think that avoiding credit card installments is the end of the world. In fact, there is also a minimum repayment. The minimum repayment amount seems to solve the current situation. If you pay less, the loan will not be overdue. In fact, the interest rate of this loan is not cost-effective at all, and it can be said to be very high.
The best thing to do is, if you encounter a situation where your credit card is maxed out, how to operate it? If you can make a comeback in one or two months, choose the minimum repayment. If it takes a long time, then choose credit card installment, and the bank will When you are invited to pay in installments, you can try to ask for some special offers from the bank. For example, you can apply for service fee discounts from the bank's online customer service.
Summary: The bank’s routines must be deeper than those of cardholders. If you want to use credit cards smoothly, in addition to controlling your own inexplicable consumption impulses, you must also know how to protect your personal credit and prevent You may encounter rejection when borrowing money in the future. I suggest friends, no matter whether a bank sells you a product or business, you must learn to calculate the loan interest cost yourself first. Only in this way will you not be inexplicably tricked by the bank. I hope this information will be of some help to my friends.