Methods/steps
1. Fees are still charged for prepayment by installment.
Li Li bought a 9000 yuan digital camera with Huaxia Bank credit card a few months ago. Due to the large amount, she can't repay it in full at the moment. Subsequently, she applied to the bank for repayment in six installments, and calculated 1555.8 yuan per installment, of which the handling fee was 55.8 yuan. Three months later, when she was ready to repay all the remaining money (that is, to repay the last three installments in advance), she found that she still had to pay the handling fee of the remaining three installments 167.4 yuan (55.8 yuan× 3), plus the prepayment handling fee of 20 yuan. According to the reporter's understanding, after the credit card bill is phased, when it is decided to repay in advance, if it is repaid on a monthly basis, the handling fee for the remaining months needs to be filled; If it is a one-time payment, it will not be refunded because of early repayment. In other words, after the customer applies for installment payment, he will bear these handling fees anyway. In addition, some banks have to charge "pit dad" for prepayment, which means you are not willing to prepay!
Reminder, before handling the bill installment, you should consult clearly about prepayment and other matters to avoid unreasonable application period and overpayment of handling fees. With the growing protests from users, some banks have abolished this unreasonable rule, that is, if you pay off the balance of bills in installments in advance, you don't need to continue to pay the handling fee for the remaining months, so you should ask clearly in advance.
Second, the minimum repayment of full interest.
I spent a lot of money, but I can't pay the full amount for a while. Many people choose the minimum repayment amount (generally 65438+ 00% of the total arrears), which can prevent bad records. However, when calculating interest, many people find that interest is calculated from the day of consumption, and there is no interest-free period, but full interest is used. Before it is paid off in full, the repaid part is still counted as the interest base. Calculated by the overdraft of 654.38+00000 yuan, although 9900 yuan has been repaid, the interest is still calculated by 654.38+00000 yuan, and the interest is still "rolling interest". This is really a real "overlord clause"! But at present, some banks have cancelled this "overlord clause" and only charge interest on the unpaid part. Just to remind you, the idea is beautiful and the reality is very skinny. Before deciding to repay the loan with the minimum repayment amount, you should still consult the bank to avoid a free meal and a loss.
Third, credit cards cannot be used as savings cards.
Many people who have just opened a credit card will deposit money in it, because in this way, credit card spending will also get points. But at this time, the bank is laughing, because it is the cardholder who suffers. Zhang Ze applied for a credit card of China Merchants Bank years ago and deposited 2000 yuan in it. But when he withdrew 1000 yuan from the ATM, he found that he had deducted 10 yuan. After going to the bank for consultation, I found that the 2000 yuan he had saved at that time not only had no interest, but also had to pay a handling fee for withdrawal. The reporter's investigation found that the current cash withdrawal fees of various banks are different. Some banks charge 1%, at least 10 yuan; Some banks charge 2.5%, at least in 50 yuan. Remind to deposit money in the credit card. "Go in", it is not so easy to "come out". This kind of selfless "stupid thing" is better to do less. If you want to deposit money, even if it is current, you should also deposit it in a debit card, and pay attention to the difference between it and a credit card. This card is not a card!
It is inevitable to withdraw cash by credit card.
Some people think that credit card withdrawal can enjoy interest-free treatment just like credit card consumption. 1October 30th, 65438+ Yang Ting used the credit card of China CITIC Bank to withdraw 10000 yuan for emergency use. On February 6th, when she logged on the Internet for repayment, she found that she had to pay 330 yuan more. What is this 330 yuan? Later, I called the customer service of the bank to know that the interest on cash withdrawal is calculated from the day of cash withdrawal to the day before payment, and it is charged at the rate of five ten thousandths of daily interest, and there is also a cash withdrawal fee of 3%. Based on this calculation, it is 10000 yuan ×0.05%×6 days (May 30th-June 5th)+10000 yuan × 3% = 330 yuan. At present, all banks stipulate that credit card withdrawals should pay interest and do not enjoy interest-free period. Most credit cards are calculated at a daily interest rate of five ten thousandths, which translates into an annual interest rate of over 18%! In addition, most credit cards have to pay a high withdrawal fee, and only a few credit cards are exempt from handling fees. Comments want to "calculate" the interest-free period of the bank, so let friends around you give you cash and borrow your card to spend it. If you can't directly "calculate" banks, banks are much smarter than you.
5. It is hard to find a bargain by installment.
At present, banks and merchants have launched credit card installment service, which allows cardholders to agree with the bank how many times to pay off the overdraft after shopping in the mall with their credit cards. During the agreed repayment period, the bank will not charge overdraft interest. This looks beautiful. Insiders said that banks did not lend money to cardholders in vain, but only changed the overdraft interest of credit cards. When the cardholder handles interest-free installment repayment, the bank will charge a certain handling fee every month, which is generally much higher than the preferential interest rate of loans of the same grade. Comment on the pie in the sky, be careful of the "trap" behind the zero-interest gimmick!
6. The more credit cards, the better.
Some credit card "professional households" may handle credit cards with multiple themes, such as aviation theme cards, automobile theme cards, shopping mall theme cards, wealth management theme cards, Taobao theme cards, etc ... In this way, the points can be doubled in different consumption periods. Financial experts said that there are too many credit cards at hand, so it is easy for cardholders to find out how much each credit card costs and when the repayment period is, which leads to the phenomenon of default in repayment, and the points will be scattered in each card, which is not cost-effective, and it has also caused a lot of "financial burden" for themselves. The more comments, the better. Not everyone can control it. There are too many credit cards, and if you don't play well, the discount will become a burden!
Seven, and savings card binding can not sit back and relax.
If you are worried about forgetting the repayment date, resulting in overdue and other bad records, then when handling credit cards, choose the same bank that has already handled the savings card (debit card). In this way, the credit card is directly linked to the savings card, and it will be fully repaid automatically on the repayment date, and no handling fee will be charged. Or set up a savings bank card with no handling fee for inter-bank transfer, and then bind all credit cards, so you don't have to worry about forgetting the repayment date. But only if there is enough balance in the savings card. If the repayment amount in the savings card is not enough, you will still have to pay interest if you fail to repay in full at one time. The comments here remind you to take it easy with your credit card, and even if you have a savings card, you must have enough balance. It is suggested to link the credit card with the savings card, which is more suitable for paying wages.
8. Passwords are more secure than signatures.
Regarding the security of credit cards, the most talked about is. At present, signatures are used as credit cards.
Consumer vouchers are the mainstream of international banking, but the opposite is true in China. Passwords are more secure than signatures. According to international practice, for credit cards, the responsibility for using and checking the signature lies with the merchant; The responsibility for using and keeping the password lies with the cardholder. There are not many people who verify signatures in China, except for the theft of credit cards, which is far from abroad. So it is safer to use password+signature. Not to mention the experience of foreign countries, what songs to sing in what mountains. In China, we still honestly use the traditional password+signature model, although it is a bit troublesome.
Nine, there is an "overrun fee" for excessive credit card swiping.
It is estimated that many cardholders have never heard of the credit card overrun fee, but this fee does exist. When Wu Nan wants to buy decoration materials next month, he will call the customer service of the bank and ask for an increase in the credit line. Her vehicle bank card was raised from 25,000 yuan to 55,000 yuan. It cost 50 thousand to buy decoration materials. On the repayment date, Wu Nan paid back only 5,000 yuan (65,438+00% of the amount owed) according to the previous experience of the minimum repayment amount, and as a result, he received a notice from the bank that he had charged the over-limit fee. Bankers remind that in order to avoid over-limit fees, cardholders must pay off the part exceeding the original limit within the end period of the temporary limit (usually one month), otherwise extra fees will be incurred. Mind you, raising the temporary credit card limit can really bring us a lot of convenience, but don't forget that this limit is temporary. Consult the bank before repayment, and don't let the temporary quota "pit" you!
Ten, points may make you happy.
Many people use credit cards to spend. The biggest temptation is that points can be exchanged for gifts. However, when you try to save points for a gift, you may be sad to find that your points have been cleared. Because many banks' credit card points have a fixed validity period, generally there are more in two years. In addition to these, more and more cardholders report that the value of their points is getting lower and lower, and points are getting harder and harder to obtain. At present, most banks exclude large purchases such as buying a house and a car from the scope of points. Bian Xiao will tell you a data: even China Merchants Bank and China Bank, which are the most cost-effective, can only exchange points earned in 400 yuan for items with a value of 1 yuan, while China Everbright Bank, which is the least angry, needs to spend 1 3 10 yuan to exchange items with a value of 1 yuan. As a reminder, credit card points are becoming more and more like "chicken ribs". If the validity period of the points is not clear, I suggest you cancel your credit card as soon as possible.
end
Matters needing attention
Don't apply for a large number of credit cards in a short time, which is bad for your credit investigation.
It is best not to withdraw cash, and the handling fee and interest are extremely high.
Refer to Baidu's experience:/article/fea4511a152347f7bb91252b.html.