Ms. Wang with five credit cards is not easy. "Every card has its uses, some can provide home insurance protection, and some are loyalty cards or membership cards that often go to the store." But it is precisely because both fish and bear's paw want it that Ms. Wang is deeply troubled by the credit card management problem in her hand. Up to now, she has several overdue records because she forgot to repay the loan.
Experts in the credit card department of the bank reminded that an ordinary person's credit consumption needs can be met by two cards, one main card and one spare card. First of all, at present, bank cards basically require users to swipe their cards for about 5 times to get rid of the annual fee of the year. By the end of the year, if they have a credit card, they will be notified. If they swipe their cards five more times, they will be exempted from the annual fee for the next year. This sounds simple, but when they have more cards in their hands, it is easy to find that some cards have been forgotten, and some cards have been forgotten, and the annual fee may be very expensive each time. Secondly, it is very troublesome to cancel some credit cards. Before closing the account, in order to balance the account, it is necessary to transfer money, save money or spend money, and the bank has to go through the formalities with the cardholder at the counter, all of which require working hours. Thirdly, many people get out of control because they open too many cards and become "card slaves".