The "pits" of credit cards are very deep. Don't you get tricked if you don't pay attention?

Nowadays, the use of credit cards is becoming more and more popular, and all banks are racing to win. accounted for the credit card market, and the overall situation is developing well. But in such an environment, many criminals have targeted people who use credit cards. Do you know what credit card tricks are common in society and on the Internet, but are actually "traps"?

1. Large-amount credit cards:

Some people have a large demand for credit limits and want to apply for large-amount cards. However, banks will have a set of strict and complete review standards when approving applications. Especially the four major banks will not give very high initial quotas. There are indeed a large number of people in society who need large credit cards, so scammers are targeting them. They prepared a set of words in advance, claiming that they were from the UnionPay POS Machine Center and the like. They did not belong to any bank, but they currently have so-called preferential policies. If a merchant purchases a POS opportunity, he or she will be given a large amount of credit card. However, I bought a lot of POS machines and didn’t have any large credit cards. I held out hope and spent money in vain.

2. Increase the limit

For many people, credit cards are practical and easy to use, but there is always not enough money. It is not easy for the bank to take the initiative to increase the limit. It is difficult to get approval if you want to apply with the bank. Therefore, there are some people in the society who claim to be "free of charge", or charge a fee of 1% to 5% to increase the limit, or pay on their behalf, etc. No matter which method is used, all cardholders should pay attention to it. For example, if the consumption frequency and amount are high, the bank will usually give a higher limit, so the person who "raises the limit" requires the cardholder to use different merchants separately. Fees, and then cash rebates, etc., but in the end it is likely to be an empty joy. Not only can the limit not be raised, but the cardholder has to fill the hole in the credit card.

3. Whitewash the credit report

Because the "three in a row" of credit cards will damage the credit of the cardholder and turn it into a black card, which will directly affect the future car and house loan situation, especially the financial business related to the bank in the future, will also be strictly enforced. Restricted. Therefore, many debtors pay special attention to the issue of credit reporting. However, it needs to be clear that unless the credit reporting is said to be repairable under special circumstances, it is basically impossible to clean up, especially those who claim that as long as they take money, they can Can you believe it?

Four. Revolving credit card

If someone tells you that as long as you pay back one or two hundred yuan a month, Do you feel like you can withdraw a total of 420,000 yuan in cash in one year? Are you tempted? This kind of scam takes advantage of some people. The mentality of wanting to take advantage is to deceive people through various clever packaging, but there are layers of deductions, for example, as long as you pay the membership fee, you can apply for a card in advance and enjoy discounts in advance, etc. In fact, if you look at people's words rationally, they are full of loopholes. However, there are still some people who blindly believe that they can really take advantage and make a lot of money in the future? Little do they know that they are the ones who are being made a lot of money." You are a "fat sheep" who doesn't even know you have been deceived. You are blindly immersed in the dream of getting rich. It's time to wake up!

Although credit cards are very practical, they have created many "traps" in reality. Be careful to avoid being deceived by these tricks

Is the credit card trick getting more complicated or the more you use it?

2018.03.0507:14

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In last night’s class, the teacher talked about a case.

A sister called the teacher and said that she was exhausted from cashing out more than 300,000 on her credit card every month. . I don’t want to cheat anymore. But if I don’t, I still owe more than 300,000 yuan to the bank. The monthly handling fee for cashing out is more than 2,000 yuan, which is also a burden for many people. Attitudes, perceptions, and usage of credit cards. Many people think:

Credit cards are only for emergency use!

Credit cards are only for early consumption! It’s just a cash-out card for you to stock up on goods!

For those who are used to cashing out, you want to use it once to cash out, and then just leave the card there and never need it again. Use it again and it will completely enter a vicious cycle.

Then I became heavily in debt and talked about the situation.

I want to say: You misunderstood credit cards.

A credit card is not a tool for making huge profits, nor is it a tool for overdraft consumption. It is just a medium for you to communicate with the bank. When you don’t have enough resources, you can enlarge your credit leverage and make your credit enough money.

I also believe that when you have enough credit, your life will naturally not be short of money.

Credit card is a financial tool, a borrowing tool to leverage funds.

He is not right or wrong, it is just whether our cognition is neutral.

Banks issue credit cards and never teach us how to use them, so we use them indiscriminately.

That’s the sister in front.

The teacher asked her if she had made any withdrawals on her credit card so far?

She said: No.

The teacher told her that in Qianhai, our credit card limit increases the more we use it.

We have Ah Xiang from Guilin, whose quota was raised from 5,000 to 300,000 in two months. There is also a young handsome guy who used more than 2,000 yuan to 700,000 yuan in more than a year. There are too many such examples, and the credit of every Qianhai person is constantly growing.

And the sister who cashed out, after so long, what result did she get?

I want to tell you our secret: build credit. What you see on the surface is that the credit card limit has been increased, but in fact, this person's credit in the bank has been improved. There are many people out there who have no credit, are unable to move forward, and cannot even get a card.

Why?

The two words in front of the credit card: "credit". That is to say, today you have a credit score in the banking system. You need to build this credit score yourself.

How to build, learn! No one is born with it. When you enter the right circle, you will learn the right knowledge and live the life you want.

My daughter started school today and I have to wake her up quickly. A mother born in the 1970s, Xiaobai studied finance. Welcome to swipe me. If you want to study with me, please leave a message and I will reserve a place for you.

Credit card tricks are deep. Avoid these 6 pitfalls when using credit cards

Speaking of tricks, banks have deep tricks. You will know if you have fallen into them. Every time The credit card standards of each bank are different, and you may get caught if you are not careful. If you want to get twice the result with half the effort and avoid being tricked, to be honest, you need to pay attention to the many tricks mentioned below.

Routine 1: Repay the loan in advance after installment payment

Everyone knows that after a credit card installment, only the installment fee will be deducted, and the loan interest will no longer be deducted. The installment payment can Choose 3, 6, 9, 12 to 24 installments. Some friends may think, if I divide it into 6 installments, if I pay monthly, then I will pay it off in one lump sum in the second month. Do I not need to pay? What about the remaining 4 months of service fees? In fact, even if the cardholder repays the loan in advance, the bank will require the cardholder to pay the installment service fee.

Routine 2: Failure to activate will not incur annual credit card fees

There is a requirement in the credit card management regulations that no charges can be deducted from the credit card without activation by the cardholder. However, this regulation Additional "special circumstances" also indicate that the annual fee exemption for unactivated credit cards does not include all credit cards. For example, some high-level credit cards and some unique types of credit cards will have the annual fee deducted even if they are not activated.

Routine 3: Bank staff recommend over the phone

Have you ever received a call from the bank’s online customer service to recommend applying for XX, inviting you to apply for credit card installments, cash Installment, investment and financing, borrowing. Let me first tell you that you are a high-quality customer of the bank, mention your recent consumption status, accommodate that you have consumed a lot recently, pay in installments to reduce your economic pressure, etc., and also pay attention to exempting loan interest from you, which will eventually lead to success. In one sentence, only the service fee will be deducted. If you do not use this service, you will have paid a service fee in vain.

In fact, every time I receive such a call, I will say, since I am a high-quality online customer service, can you help me raise a fixed credit limit first?

Routine 4: Cancellation of the card is just a phone call

The editor once saw a netizen on the Internet making fun of the difficult journey of canceling a certain bank's credit card, although the card was canceled in the end. Although my credit card was suspended from 2014 to 2016, the annual credit card fees were still being charged, and I was charged every time the loan was overdue. I recorded my credit report.” In the end, the provident fund mortgage was also rejected. The whole process of this matter was being deceived into opening a card - turning it into a sleep card - causing late payment fees for credit card annual fees and taxes in the second year - calling to cancel the card for the first time - paying various fines - canceling the card for the second time. The online customer service MM said that the account cancellation was successful - received the income and expenditure details in 15 years - paid the fine and found out why the account was not closed successfully - the bank counter staff said that they would call to verify after one month whether the account cancellation was successful - the third phone call to cancel the account Card - a month later it was confirmed that the account was successfully closed - the loan was found to be overdue 4 times in 2016 - the housing provident fund mortgage was rejected.

What I mentioned above is the personal experience of a netizen. While I sympathize with this netizen, I also advise friends who swipe their cards to resolve the issue of unused cards as soon as possible. There is a 45-day waiting period for account cancellation. Remember to confirm again after 45 days whether the account cancellation was successful. The above examples tell you that the final confirmation is indeed very important. We cannot rely on banks to be responsible to everyone.

Routine 5: It is not easy to report the loss of your credit card

It is not easy for friends to report the loss of their credit card over the phone easily. It’s okay to pay dozens of yuan for a card. But if the wallet is lost, the credit card’s loss reporting fee is between 30 and 80. It’s a large amount that you can calculate by yourself. The card replacement fee is not a big deal, but reporting the loss of your ID card and running back and forth to the bank are the most tormenting areas.

Routine 6: The minimum repayment is not cost-effective

Friends think that avoiding credit card installments is the end of the world. In fact, there is also a minimum repayment. The minimum repayment amount seems to solve the current situation. If you pay less, the loan will not be overdue. In fact, the interest rate of this loan is not cost-effective at all, and it can be said to be very high. The best thing to do is, if you encounter a situation where your credit card is maxed out, how to operate it? If you can make a comeback in one or two months, choose the minimum repayment. If it takes a long time, then choose credit card installment, and the bank will When you are invited to pay in installments, you can try to ask for some special offers from the bank. For example, you can apply for service fee discounts from the bank's online customer service.

Summary: The bank’s routines must be deeper than those of cardholders. If you want to use credit cards smoothly, in addition to controlling your own inexplicable consumption impulses, you must also know how to protect your personal credit and prevent You may encounter rejection when borrowing money in the future. I suggest friends, no matter whether a bank sells you a product or business, you must learn to calculate the loan interest cost yourself first. Only in this way will you not be inexplicably tricked by the bank. I hope this information will be of some help to my friends.

That’s it for the introduction to credit card deep cover.