1. If the Platinum Card is not activated, there will be an annual fee
CBRC stipulates that banking financial institutions shall not deduct any fees before the cardholder activates the credit card. In other words, if the credit card is not activated, there will be no annual fee. But there are always exceptions. If you have a platinum card, even if you don't activate it, you still have to charge an annual fee. Because platinum card provides many value-added services, such as airport shuttle, airport VIP treatment, million-level aviation accident insurance and so on. Because platinum cards need to provide some high-value value-added services, banks have to bear a large expenditure for this.
To be on the safe side, users of Puka and Gold Card should also call the bank to confirm whether there will be annual fees or other fees if they are not activated.
2. Inactivation will affect personal credit information
Even if we get the card and don't deactivate it, the approval time and initial limit of this credit card will be recorded in the credit information, and there will also be records that the card has not been activated. Therefore, when applying for a credit card again, the last application for the card is not activated, which may become an obstacle for the bank to approve a new card. If this happens many times, the later loans will also be affected.
3. There is a risk of card theft
Many applicants who apply for a small gift but have never seen the card, once their personal information is leaked or their identity information is lost, there will be unscrupulous people who steal the credit card without you knowing, which will cause irreparable losses when you need to check the credit information when you buy a house or a car.
4. People with credit cards need to keep in mind these six times
Credit cards can be said to be a convenient and conscientious product launched by banks, which can not only provide us with the amount of consumption during the interest-free period, but also provide various preferential activities. In this way, it not only helps everyone solve their financial difficulties, but also allows everyone to enjoy various concessions, so it can win the hearts of the people. Nowadays, basically everyone has one or two credit cards in their hands. The popularity of credit cards shows that everyone's consumption patterns are gradually changing. But at the same time, some people do not understand the rules of credit cards and are blindly using them. So people with credit cards need to remember a few times.
first, the billing date
the billing date is the day to count your total consumption last month. A billing cycle is one month. For example, if your billing date is on the 1st of each month, then on the 1st, the total bill of your consumption last month will be issued, and after the bill is issued, how much will you repay this time?
second, the last repayment date
after the bill is issued, the bank will give the cardholder 2 to 25 days to repay. The last repayment date refers to the latest date when the bank requires the cardholder to repay the payable amount. That is, if the payment is not made on this day, it will cause overdue and be fined by the bank at a high price.
after the bill is issued, the bank will give the cardholder 2 to 25 days to repay. The last repayment date refers to the latest date when the bank requires the cardholder to repay the payable amount. That is, if the payment is not made on this day, it will cause overdue and be fined by the bank at a high price.
third, interest-free period
the biggest advantage of credit card is that we can enjoy its interest-free period of more than 5 days. For example, if your billing date is the 1st of each month and the repayment date is the 25th of each month, the consumption bill of last month will be issued on the 1st. However, you only need to pay off this debt before the 25th of next month, and you don't have to bear any interest during this period.
Fourth, change the billing date
When the billing date is approaching, some people may have too much financial pressure to repay their credit cards. At this time, there is actually a way to choose to change the billing date. Almost every bank can modify the billing statement, but the change cycle may be different. Some banks can change it once a year, some banks can change it once every six months, and some banks don't support it. If you need specific information, you can call the bank's customer service for consultation.
V. Tolerance grace period
This is a potential service of banks, and many people don't know it. Almost every bank has a grace period of 1-3 days, which is specially provided for those who have temporary repayment difficulties. If you can't repay temporarily due to some special circumstances when the final repayment date comes, you can turn around in these two days. Then, in this case, you can call the bank to provide time service. Under normal circumstances, the bank's time limit is three days. As long as you pay back all the money within these three days, it is not overdue and will not charge any interest.
VI. Time of repayment
There are too many repayment channels now, and third-party software such as WeChat and Alipay can make credit card repayment. However, it should be noted that some software repayments do not arrive immediately, but need to wait for a period of time, and some may even need to arrive every other day. In this case, you need to pay attention to your last repayment date. Once the repayment fails to arrive on the last day, it may cause overdue. Here, I suggest that you use the official bank APP for repayment as much as possible to completely avoid overdue.
Payer's summary: A good credit card is a treasure, but if it is not used well, it is a devil. Therefore, in order to continue to enjoy the rights and interests of credit cards, we must also firmly remember these very important days.