1. If you don't open the card, you don't charge the annual fee. If you open the card, you need to swipe it for 5 times or over 5, yuan, so you can avoid the annual fee for the current year, and the same is true for the next year!

2. Credit card consumption is free of interest, and interest will only be charged if the repayment is overdue; If you withdraw cash, you will receive interest at the rate of five ten thousandths every day! Free handling fee for cash withdrawal from local banks, and 2 yuan for inter-bank and off-site banks;

3. You can't transfer money within the credit limit. You can only transfer money if there is an overpayment in the card!

See clearly the credit card repayment trap

If the cardholder fails to repay in full by the repayment date, the bank has two interest-bearing methods: one is that the cardholder has repaid part of the money before the last interest-free period, and the repayment amount is higher than the minimum repayment amount, which is generally 1% of the overdraft amount, so the cardholder only needs to pay the overdraft interest on the remaining amount. The second repayment method is that before the last interest-free period, the cardholder has paid back part of the money, which also exceeds the minimum repayment amount, but as long as he has not paid back in full, he still has to pay the interest on the full overdraft amount.

at present, some banks don't remind you of the interest-bearing method, so you should pay special attention to the interest-bearing method of three-way repayment when you overdraw your card, and find out the interest-bearing method of repayment of the bank you are holding in time to avoid paying unjust interest? Consumers can avoid losses in the following five ways:

① Find out the repayment interest method of the bank they hold.

② Find out the exact amount owed by telephone or online banking.

③ Keep some cash in the credit card to make up the vacancy, but the cash does not bear interest.

④ Find out the interest-free period, and strive for repayment within the interest-free period.

⑤ Make a deposit matching the credit card. When the credit card is in arrears, the bank will automatically draw money from the deposit to repay the credit card.

See clearly the risks of prepaid consumer cards

① Because of prepaid expenses, consumers have lost interest in the same period, so although it is convenient, it is at the expense of paying interest.

② limits the freedom of one's choice. A spending card in a certain business means that you must go to this business for spending, thus limiting the freedom of choice.

③ Some operators have unequal terms of consumption. Because most consumers are unprofessional, they don't understand some consumption terms that are not conducive to consumers when they apply for a consumer card, so they do it in a muddle, which makes the business profitable.

④ consumers know little about the property and operating conditions of the operators, and their interests can't be guaranteed if businesses change owners, stores close down or even abscond with money.

⑤ most of these cards, annual (monthly) tickets, etc. have a service life of 1? In 2 years, if the cardholder accidentally loses the card, the operator will not reissue it, which will harm the interests of consumers.