Credit cards are very easy to use, which can facilitate daily consumption. Although the mobile phone is now in hand, Alipay and WeChat can pay, but after all, it is not suitable for all occasions. For example, holders of CITIC or GDB cards, or platinum cards of other banks, can enjoy services such as high-speed railway station VIP waiting room, airport VIP passage and airport pick-up.

Precautions for credit card use

At present, the threshold for major bank cards to handle credit cards is very low. No income groups or many people with low wages can apply for credit cards. Credit cards can spend money in the future, and some people spend money recklessly when they get the cards, regardless of their own affordability. As a result, the amount of consumption increased sharply and could not be repaid.

The overdue credit card is one of the main reasons why cardholders are blacklisted by banks. Once the credit card is overdue, it will not only pay high interest and late fees, but also affect personal credit records. After the credit card is overdue, the cardholder can use the credit card normally for 24 months, and then overwrite the previous overdue record.