When a user prints a personal credit report, the column for the number of outstanding and unclosed accounts will appear in the report, where the outstanding number refers to the number of credit cards that the user has not paid off.

The number of unclosed accounts refers to the number of credit cards under the user's name, including credit cards that are in use after activation and credit cards that are not activated but have not been canceled.

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Users who overdraft their credit cards or fail to repay their mortgage loans in a timely manner will affect their credit score, resulting in users being unable to apply for loan services through banks in the past few years. , faced with this situation, users can bind the signal card that needs repayment to their salary card and turn on the automatic repayment function.

At the same time, sleep credit cards will also incur annual fees if not used after activation. If not paid, a negative credit record will be generated. Therefore, users who face infrequently used credit cards can choose to manually cancel the account by phone. , or go to a bank branch to cancel the account.

Credit card overdraft interest rates are subject to upper and lower limit management. The upper limit of overdraft interest rates is 5/10,000 daily interest rates, and the lower limit of overdraft interest rates is 30% lower than the daily interest rate of 5/10,000 points. The method of calculating interest on credit card overdrafts, as well as whether interest will be calculated on credit card overpayments and the interest rate standards are determined independently by the card issuer.

Once there are too many credit cards, it is easy to misunderstand the repayment date of the card and not remember the credit limit of the card. It is difficult to manage, and it is easy to cause late repayment and leave a bad record. Moreover, if you swipe multiple cards to earn points, the points will be too scattered and it is not conducive to redeeming gifts. Therefore, it is recommended that only 1 to 2 credit cards are enough.

Most cardholders don’t care about the receipts and don’t keep them. Most of them just throw them away. This is a very bad habit. In fact, retaining credit card vouchers not only facilitates the monthly summary of consumption records to analyze and optimize consumption habits, but also helps improve the rationality and transparency of credit card consumption, so that the card can be swiped clearly. And many people do not set passwords on their credit cards. Discarding the credit card credentials at will may lead to theft of the credit card.

Credit cards have two functions: overdraft and cash withdrawal, but cash withdrawals require a certain percentage of handling fees, and you will be charged even if you deposit your own money into it. Therefore, it is not cost-effective to use a credit card to withdraw cash or use it as a passbook.

Every credit card has a limit. If you swipe the card within this maximum limit, you are safe. So, within this controllable range, please swipe as many cards as possible. Because a credit card is like when you buy something, the bank will pay you first, so why not? Just pay it back to the bank on time on the repayment date. On the one hand, it is more convenient to consume, on the other hand, it can also accumulate credit, and the bank can also charge merchants fees from the amount of your credit card, which is a win-win situation.