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How to use credit card and matters needing attention
1. Pay attention to two dates: bookkeeping date and repayment date.
Generally, the repayment date is 20 or 25 days after the bill date, with the longest interest-free period and the shortest interest-free period.
2. Credit card information protection.
The three key information on the face of a credit card: card number, expiration date and CVV code, affect your card security, especially CVV code, which is as important as password. It is recommended to cover CVV code with correction fluid or sticker, and some people are even worse. Scrape off the CVV password with a blade and remember these three numbers.
3. Diligently handle credit cards, in order to avoid annual fees; Only when the repayment is made on time can the amount be withdrawn.
Generally, you can avoid the annual fee by swiping your card six times.
So be sure to pay the annual fee. In addition, we can increase the credit card limit by swiping more cards and swiping frequently. At the same time, being able to repay on time and maintain a good credit record is also a way to improve the credit limit. Moreover, it is also very convenient to pay without a card for mobile phone POS, which belongs to online consumption. Combined with daily offline consumption, a variety of combinations are used.
4. Choose the repayment method that suits you best.
In this information age, repayment methods are diversified, and you don't have to go to bank outlets or ATM to transfer repayment. Credit card repayment methods include Alipay repayment, debit card binding automatic repayment, UnionPay online repayment, online banking transfer repayment, Tenpay repayment and so on. So, choose the way that suits you and repay in the quickest and most convenient way!
5. If the cash flow is not good, or the repayment is delayed due to something, you can call customer service to apply for deferred repayment.
That is to say, if your funds can't be turned over temporarily, or repayment is delayed due to some things, then don't worry, call the bank customer service immediately and apply for an extension of repayment for one to three days. General bank customer service will help you postpone! You can also use multiple credit cards to do it backwards. If you don't know how to hang upside down, you can trust me privately.
6. What if the funds are tight? Apply to change the accounting date and extend the interest-free period.
When applying for changing the bill date, we should pay attention to calculating the bill date and time, enjoy the longest interest-free period, and relieve the pressure of tight funds. However, this skill is not available every month. It is said that some banks can only apply for change once every six months, some banks can only apply for change once a year, and some banks can only change once in their lifetime!
7. Say no to all unreasonable charges
Anyone who has unreasonable charges for credit cards can call customer service and bargain with customer service to apply for cancellation of unreasonable charges. If the customer service doesn't agree, you can stick to the complaint in the end and generally win the case.
8. Use credit cards carefully.
Credit card installment interest is very high, even if it is interest-free, the installment fee is not cheap, so use it carefully and don't let the bank earn a dime! Of course, except for those who can't repay the credit card arrears on time under special circumstances, except for those who want to increase the credit card limit as soon as possible.
9. Pay attention to various credit card consumption traps.
It should be reminded that we should always be alert to various credit card consumption traps, such as the credit line provided by Bank of Communications and the financial resources provided by Guangfa Bank. These are similar micro-credit loans with extremely high interest rates. If it is sold by a credit card specialist, they will all refuse, and anyone who sells insurance with a credit card will refuse!
10, try not to use it for cash withdrawal.
Credit cards cannot be used to withdraw cash. You don't approve of withdrawing cash by credit card unless you need emergency, which is very urgent. The handling fee and interest can't be hurt! Remember, credit cards are used for consumption, not cash withdrawal! If the situation is urgent, you can communicate with Bian Xiao and suggest how to take it out.