This article applies to cardholders who spend normally. Card friends who cash out for credit cards and other purposes are not included. 1-3 credit card is the best number of cards. The amount of cards is large, and monthly repayment is a big trouble. Unless you set up automatic repayment for each card, you must also ensure that there is enough money in the bound repayment savings card to deduct the fee.
You don't want to have the experience of accidentally remembering the repayment date. The latest GDB card misremembered the repayment date, and it didn't happen until 3 days after the last repayment date. Fortunately, Guangfa has a time service once a year, and there is no need to pay liquidated damages.
Credit overdue is generally not recorded before the last repayment date and the next billing date. However, there may be a fine for missing the final repayment date.
3. Binding mobile banking transfer repayment
Sister Ka's Alipay has used up the amount of free transfer. Now I have returned to mobile banking to transfer money or return credit cards. Sister Ka has more China Merchants Bank cards, one savings card and one credit card, and downloaded China Merchants Bank mobile banking.
4. advantages: the transfer to the account is particularly fast and there is no handling fee; Credit card repayment is also a transfer, and it will arrive in seconds. After the first transfer, the system will save the transfer record, and the next transfer will be made directly in the historical transfer record, without entering the account number and other information again.
Although the fee charged by Alipay is not high, the accumulated fee will increase with the increase of times. It is recommended that you download the mobile phone app of the card-opening bank and use the mobile phone bank to transfer money for repayment.
6. This is the safest way to swipe your card.
At present, there are more and more cases of stealing all personal information on credit cards by taking advantage of the short gap when credit cards are not in consumers' sight, resulting in economic losses for cardholders. Now technology is more and more developed, and the means of stealing information can be completed in a few seconds. Security card is what we need to pay more attention to!
7. Don't keep your eyes open when spending. Request to return the card immediately after consumption.
The last three numbers on the back of the credit card are labeled. Prevent bank cards from being copied when spending outside. Knowing this three-digit number can copy the bank's information stolen cards.
8. Visit the online mall of the bank before spending.
Especially for Apple products, China Merchants Bank, ICBC and Agricultural Bank all support installment purchase, which is particularly cost-effective. Apple official website directly pays in installments and repays each month.
The bank's online mall can be redeemed for points, and credit cards can be spent in installments without handling fees. Before online shopping, see if there are any products that can be bought in the online mall, and buy them directly by credit card in installments. No handling fee, high cost performance.