Credit card statement: the issuing bank will print the details of credit card into a statement every month and send it to the cardholder, indicating the consumption amount and payment period. The cardholder should first carefully check whether the statement is consistent with the retained signed bill. If there is any discrepancy, he can notify the bank and suspend the payment of the fee. If the bank finds that the cardholder forgot it after reading the receipt, it will charge the handling fee for reading the receipt at its discretion. Cardholders can also make good use of the statement to manage their finances and record their consumption. If the address is changed, don't forget to inform the issuing bank as soon as possible to change the billing address, so as to avoid the interest expenses caused by late payment due to the failure to pay the bill and affect the rights and interests. The first step in using a credit card is to understand all kinds of data on the statement. "current payable amount" refers to the amount to be paid on a due repayment date, and there will be a column "minimum repayment amount" next to it, which is usually 1% of the payable amount. Some people will mistakenly think that this is an "interest-free" discount provided by the bank, and take it for granted that it will be repaid according to the "minimum repayment amount", and as a result, cyclic interest will be charged.

The "minimum repayment amount" is for those who can't pay in full. Once the repayment is made according to the minimum repayment amount, the "revolving credit" of the credit card will be used. The bank will charge interest on all the arrears from the billing date, and you can't enjoy the interest-free repayment in the current period. The daily interest rate is five ten thousandths, which is equivalent to 18% of the annual interest! So don't use the "minimum repayment amount" unless you have to.

"advance cash limit" refers to the limit that the bank authorizes the cardholder to withdraw cash from the ATM. Generally speaking, the advance cash limit can be set according to the cardholder's card demand, which is included in the total overdraft limit of the credit card. Different from debit cards, using credit cards to withdraw cash within the "pre-borrowed cash limit" needs to pay interest, which is about 5/1 per day. In addition, some banks also stipulate to pay handling fees, so it is recommended to know the charging status before using credit cards to withdraw cash. There are four dates to distinguish when using a credit card: trading day, bank bookkeeping date, billing date and due repayment date.

trading day: refers to the date when customers actually spend money by credit card, withdraw cash or transfer money.

bank bookkeeping date: refers to the date when the bank records the transaction in the account. It takes time for the information of shops to be transmitted to banks. Generally, there is a certain time difference in consumption abroad, so the trading day and billing date in the bill will be different.

billing date: refers to the date on which the bank "calculates the general ledger" for monthly credit card transactions.

due repayment date: repayment must be made before this date; after this date, interest and other related fees will be charged for the amount owed in this period.