Credit card consumption:

1, credit card consumption has become a new shopping trend in modern life. Everyone has several credit cards, but these cardholders don't necessarily know about credit cards. What should I pay attention to in credit card consumption? Professionals said that credit card consumption must remember to use the card safely, repay on time, and the accounts should be clear and not sloppy.

2. When paying back by credit card, you can choose different ways to pay back, such as bank counter, telephone banking, online banking and automatic counter machine. The time required for repayment in each way is different. Repayment at the bank counter is the fastest, and it can be received in time, while repayment on the Internet or the terminal system of some convenience stores may be slower, and it can be received in three working days. Therefore, even if repayment is made within the repayment period, due to the long running time of the program, late fees or interest may be generated, which may affect the credit line. Therefore, it is best not to repay the loan near the deadline, but to repay it a few days in advance to ensure that the arrears arrive within the deadline.

Don't treat the minimum repayment amount as installment payment.

The minimum repayment amount is 65438+ 00% of the amount owed, and then the overdraft interest is calculated every day until all the arrears are paid off. Installment is a one-time fee, and then it is repaid on time every month. Therefore, don't treat the minimum repayment amount as installment payment, so as not to generate more extra expenses.

Remarks: Don't put your ID card and credit card together, and don't throw the transaction slip around to ensure the safety of using the card. Only when the signature on the transaction slip is consistent with the signature on the back of the credit card can the credit card be confirmed to be successful. If it is inconsistent, the fee will be deducted and the merchant will bear the main responsibility. The cardholder can add another layer of password to the credit card, but if the password of the credit card is stolen or embezzled, the cardholder's responsibility will be aggravated. In addition, don't swipe the card repeatedly on the faulty card swiping machine to avoid repeated deduction. Read the purchase order carefully, including the card number, transaction time, amount, etc., before you need to successfully apply for a card.