1. Credit card information is leaked, and it is unsafe to use the card: for example, a card friend lends his credit card to others or doesn't come back, or the credit card is lost and worried about being stolen.
2. For fear of causing serious losses to themselves, many people will reissue a new card by reporting the loss of their credit card, even though their credit card has not expired.
2. The credit card is damaged and cannot be swiped normally: many card friends' cards are not kept well after arrival, and many cards are often mixed together, resulting in degaussing of the cards;
Or accidentally broke the credit card, you can't swipe your card on the credit card machine. Unless you bind WeChat and Alipay to pay, it is necessary to change the card before the expiration.
It should be noted that in the above two cases, if the card has not expired, it needs to be replaced with a new card, which will be different from the credit card after it expires. The new card number of the credit card for loss reporting and loss compensation is inconsistent with the original old card;
The new card number obtained at the expiration of the card replacement is the same as the old card except for the validity period and the security code at the back.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
main feature
1. Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.
2. Credit card has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;
Credit card is a high-tech product integrating financial business and computer technology.
4. Credit cards can reduce the use of cash and currency;
5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;
6. Credit cards can simplify the collection procedures and save social labor;
7. Credit cards can promote commodity sales and stimulate social demand.
Financial management strategy
1, control the number of credit cards, enough is enough.
Once there are too many credit cards, it is easy to get the repayment date of this card wrong and forget the credit limit of that card, which is difficult to manage, and it is easy to cause overdue repayment and leave a bad record. Moreover, multi-card credit card points, too scattered points are not conducive to redemption of gifts. Therefore, it is suggested that only 1~2 credit card is enough.
2. Keep credit card vouchers
Most credit card holders don't care about these documents, and they won't keep them. Most of them are thrown away, which is a very bad habit. In fact, keeping good credit card vouchers is not only convenient for summarizing consumption records every month, and then analyzing and optimizing consumption habits, but also helpful for improving the rationality and transparency of credit card consumption, so as to clearly understand credit cards. Moreover, many people's credit cards do not have passwords, and discarding credit card vouchers at will may lead to the theft of credit cards.
For safety reasons, it is best to keep credit card vouchers after consumption, so that you can know fairly well and develop good credit card financial habits.