Credit card payments are basically non-refundable. If there is an agreement that a refund can be made, it will be handled as agreed.
Notes on using credit cards:
1. Consumption self-control
Although a large credit card limit is a good thing, for those who do not have self-control or cannot correctly understand their own finances, For people in a certain situation, large amounts can have disastrous consequences. Generally speaking, it is best for the credit card limit for your own consumption to be less than your own salary within three months. After all, the consumption limit for three months' salary is not too large. In case of an accident or being fired from your job, you can also flexibly adjust your credit card Bills to adapt to your own income level and enhance your ability to resist risks.
After all, general credit cards charge interest on a daily basis of 0.05% and compound interest on a monthly basis. The interest in one year is as high as: (1 0.05*30)^12-1=19.56, which is comparable to loan sharking. !
2. Be careful with installments
In this era of rampant consumerism, people generally have low incomes, but they want more and more things, so installments have become a necessity for many people. one of the choices. You must know that if you swipe away 20,000 yuan in the same card at one time, the psychological pressure will be very great; but if it is divided into 24 installments, you only need to pay back a little more than 800 yuan every month, and the psychological pressure will be greatly reduced.
For the former, since it is a one-time consumption of so much, in order to relieve one's own financial pressure, they usually choose to pay off as soon as possible to free themselves from heavy financial pressure. Even after considering the financial pressure that they need to bear, they directly refuse to consume.
Because the latter chooses installment, the financial pressure is not great, so it is easy to have the illusion that "I can bear more debts." Coupled with the long repayment period, it is easy to expand your own debt and put yourself into a debt crisis.