1.

Remember the bill date and repayment date clearly, and repay on time, which is the basis to ensure the good use of credit cards and avoid credit reporting.

2.

Keep the frequency of credit card use and the amount of consumption, and you can often participate in credit card activities launched by banks.

3.

Spend at least 6 times, exempt from the annual fee of the following year. Generally, the credit card of China Merchants Bank spends 6 times a year.

The invention of credit card is like a double-edged sword, which can solve the temporary economic crisis. However, the purpose of issuing credit cards is to make money. Once the interest-free repayment time is exceeded, high interest will be charged, usually five ten thousandths of interest per day.

Blind consumption of credit cards is not like paying cash in a lump sum. I don't feel anything when I brush. A few figures lead to blind consumption and spending money like water.

Excessive consumption of notebooks, digital cameras and smart phones, while enjoying your favorite items in advance, you should also consider whether you can repay them.

High interest If you can't get a credit card and can't repay on time when the final repayment date comes, the bank will charge you high interest. (The minimum repayment amount of a credit card in the first month shall not be less than10% of the overdraft amount in the current month) [8]

Credit cards that need to pay an annual fee 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; But if you don't swipe your card to the bank the specified number of times within a year, you need to charge an annual fee.

Stealing a credit card is basically a default credit card consumption without password, which is easy to be stolen by others when it is lost or stolen, causing unnecessary trouble or loss; But in fact, credit cards can also be charged by passwords-it depends on how you manage your credit cards. Of course, many people have not cancelled their credit cards because of their lack of experience in this field, and some lawless elements have reapplied for credit card overdraft, which is not worth it.

Long-term malicious arrears that affect personal credit records will naturally affect personal credit records and even be blacklisted by banks. If you want to borrow money from the bank to buy a house and a car in the future, you may be rejected by the bank.

CCTV reported that a cardholder received a bank bill several months after paying off all debts and canceling his credit card, and what happened afterwards made him miserable. This article named "Unknown Credit Card" exposes the disadvantages of current credit cards.

Although credit cards have an interest-free period, they are only for credit card consumption. There is no interest-free period for cashing, and a handling fee is charged.

How to use China Merchants Bank's credit card?

Credit cards are mainly used for consumption before repayment, and bank funds are used for consumption in advance and enjoy interest-free period. This is a financial management method. Credit card is not a savings card, and the deposit in credit card will not pay interest. Credit cards can be used as payment tools, and can be directly consumed through POS machines installed by merchants or online payment platforms. The bank will also provide you with various forms of integral, discount, installment, lottery, promotion and other activities. Credit card is also the main international payment tool. You can shop conveniently on overseas and international websites. If you travel and stay in a hotel, only a credit card can complete the hotel pre-authorization for you.

Credit card usage of China Merchants Bank

Credit card can solve the urgent need when money is scarce, so how to use it correctly? Here is the basic usage of China Merchants Bank's credit card.

0 1

After receiving the CMB credit card, you need to activate and set the transaction password before you can use it. The activation method can be activated by telephone voice of China Merchants Bank or manual customer service help.

02

Generally, China Merchants Bank Credit Card Gold Card and Puka Card are swiped 6 times a year without annual fee. Regardless of the amount, it is also counted as the number of consumption.

03

After using a credit card, be sure to remember the billing date and repayment date. Generally, the final repayment date is18th after the bill date, that is, the effective repayment time is within18th after the bill date.

04

Credit cards can be withdrawn, but there is a charge. The withdrawal amount of China Merchants Bank credit card is 50% of the credit limit, and different withdrawal amounts are charged differently. Take 100- 1000 yuan for each transaction, and take 1 100-2000 yuan for each 20 yuan, with a maximum of 2000 yuan per day, and the interest will be calculated at five ten thousandths of a day, and it will be paid off in full from the date of cash collection. So don't withdraw cash by credit card unless you have to.

How to use China Merchants Bank credit card is better?

1, the latest products arrive quickly!

The biggest advantage of credit card consumption is that credit cards can enjoy interest-free period. Interest-free period means that you don't have to pay any interest if you pay off all the consumption money before the final repayment date. The interest-free repayment period is 20 days to 50 days, depending on the specific time of your consumption.

3. If your consumption is before the current bill date, it will be included in the current bill; You can enjoy a longer interest-free period if you include it in the next bill after the bill date.