Since there are many rules for using credit cards, here are a few main ones for the poster’s reference. For details, you can check out the user guide on his credit card homepage, which will explain it in more detail. .
First, pay back the money on time.
Each credit card has a billing date, and CCB’s repayment due date is 20 days after the billing date. The host only needs to pay the “full repayment amount” shown on the bill before the due repayment date. "If you pay it back, you can enjoy interest-free treatment for the part swiped by the card. For example, assuming that the poster's bill date is the 2nd of each month, then the due date for repayment is the 22nd of each month, and the 1/2 bill will be the poster's credit card and cash withdrawals during the period from 12/3 to 1/2. , fees, interest, etc. are summarized into one bill, which can be paid before 1/22.
Second, withdraw less cash.
Credit cards can be overdrafted to withdraw cash, but there is no interest-free period. Starting from the day the poster withdraws cash, 0.05 of the cash amount will be charged every day until the poster repays it. There is also a cash withdrawal fee. The fee is 0.5 of the cash withdrawal amount, with a minimum of 2 yuan. For example, if the poster withdraws 2,000 yuan in cash on 1/3 and pays back 1/10, the interest generated = 2000*0.05*8 (1/ 3-1/10 is 8 days) = 8 yuan, and the cash withdrawal fee = 2000*0.5 = 10 yuan. Therefore, in just 8 days, the interest and handling fees will add up to 18, which is quite high, so it is recommended It's not a last resort. It's best not to use a credit card to withdraw cash. If you do, return it as soon as possible.
Third, pay attention to the annual fee.
Each credit card has an annual fee, but most CCB cards can be used to make purchases/withdraw cash up to a certain amount by swiping the card (no limit on the amount) ) to avoid it. For regular and gold cards, 3 transactions per year are waived, while for platinum cards, 10 transactions are waived. For example, the car card has a 200 annual fee that cannot be waived. However, this card has good services, including discounted car washes, free roadside assistance, and points for oil changes. The annual fee is well worth it. As for the original poster, how do you charge for this card? You can call customer service and ask
Fourth, you cannot borrow it
The credit card belongs to you and must not be borrowed. If something goes wrong after borrowing it, it will be the sole responsibility of the owner. The bank will only look for you, not anyone else. Also, there are a lot of people using cards online now, so you must be careful not to tell others your card information, such as the card number, expiration date, and the security code on the back of the card. Criminals can also use this to steal your money. Of course, the poster doesn’t need to be overly nervous, just keep your own information safe.
Fifth, participate in activities
There are a lot of bank activities now. For example, there is an activity during Christmas. Department stores will get 100 phone calls back when you spend 2013 yuan, which is very affordable. Therefore, the poster can pay more attention to the event announcements on his website. The benefits will be accumulated bit by bit. There are also points. There are usually points for swiping credit cards (some special ones, such as wholesale, bank accounts, etc., there are specific introductions on their website, you can check it out). Points can be exchanged for gifts. I also gave it a while ago. I changed my mobile phone bill, which is good.
If the poster has any other questions, you can ask