Guide

Credit cards are favored by us for their convenience, ease of economic pressure, extra benefits, and easy financial management. However, we have troubles such as high interest rates and high annual fees.

We started from the use of credit card skills and pin-selling skills, so that everyone has a deeper understanding of credit cards, and go further on the road of wealth management.

Credit card tips

Reasonable spending time according to billing date and repayment date:

The credit card has a billing date and a repayment date, and the repayment date is generally 20 to 25 days after the billing date. The card is swiped one day after the billing date, and the interest-free period is the longest; the card is swiped one day before the billing date, and the interest-free period is the shortest.

Keep the credit card's payment password, card number, expiration date and CV password

The CV password is extremely important and it is recommended to keep in mind. The CV password, also known as the credit card's secure password, is a secure code for credit card transactions.

It is usually indicated by the last three italic numbers after the signature on the back of the credit card. At the time of the transaction, it can be used to verify that the payer is the actual cardholder to prevent credit card fraud. Therefore, when we use the card, we must ensure that the credit card does not leave the line of sight, we must save the credit card payment password and CV password, so that the real card security.

Multiple card

This will not only save the annual fee, but also help to increase the credit limit. Generally, the credit card can be exempted from the annual fee by 3 to 6 times. In addition to reducing the annual fee for the next year, the multi-card card can also increase the credit card amount.

The credit card amount is generally granted by the bank when the card is issued, and is called the initial amount. With the use of cardholders, the quota is gradually increasing. This amount should be controlled at 3-6 times the monthly income of the cardholder. Excessive credit lines will increase the risk faced by cardholders.

Choose the repayment method that suits you.

Credit card repayment methods include bank counter repayment, bank automatic deduction, and ATM repayment.

The highest level of security is repayment at bank outlets. The most convenient way is the automatic deduction of bank-denominated debit cards. We can also use smart phones to access the bank's palm and mobile banking to repay, which is very convenient.

Flexible use of time-based repayment services

Time-based repayment service is mainly for users who have difficulty in revolving funds or cannot change funds due to other things.

Kayou can call the bank customer service to apply for a 1-3 day extended repayment. Usually, banks will automatically open 1-3 days of repayment service for users. Although the repayment policy of the time begins in July 2013, the policies of different methods are different, and customers still need to consult relevant information according to their own requirements.

Change the billing date and extend the interest-free period

If the cardholder cannot repay the loan due to financial constraints, he can apply to change the billing date. But not every month.

From the current regulations of various banks, some banks do not provide such services, and some banks only provide one modification service during the validity period of the card.

The time is not uniform. Some banks can only be modified once a year, and some banks can modify it once every six months. The rules of each bank are different. We need to understand this aspect as a cardholder before changing the billing date.

Rejecting unreasonable charges from banks

When the card friend finds that the credit card has unreasonable consumption, he can call the bank's customer service at any time to apply for cancellation. If the customer service disagrees and the bank does have violations, we can make a complaint and it is generally valid. The identification of violations depends on different banks. When using this technique, cardholders can consult in the customer service department in advance.

Reasonable use of credit card staging

Credit card installment fees are expensive, mainly for customers with large repayment pressure or customers who want to increase their credit limit. However, the installment fee is generally higher. At this time, we can use some preferential measures introduced by banks and merchants to exempt some unnecessary expenses. For example, the bank's credit card car installment payment, there are three repayments, six repayments, and even 12 repayments preferential policies, not only exempt from interest, and some can also be exempted from handling fees.

Credit sales phone not credulous

Most of the bank's sales calls are mainly based on cash sales and insurance. These sales do have a consumption trap, such as cash staging, which is actually similar to a small credit loan, and the interest rate is actually very high.

Try not to take cash credits

Cardholders use their credit cards to withdraw cash, with a daily interest rate of five tenths. Although the bank provides credit card accounts based on the credits of each of us, it encourages you to use credit card to credit card issuers to make credit card purchases, but to use cash credits too frequently, not only has high interest expenses, but also because of credit card If you have a large number of pens, you may forget the repayment, which will have an adverse effect on personal credit. Therefore, it is recommended that cardholders use as few credit cards as possible to withdraw cash.

Don't save money to credit card

The difference between a bank's debit card and a credit card is actually very large, because the credit card is a dual-currency debit card internationally, so he encourages us to pay for the payment on the card. The cardholder spends the credit card. If you deposit money on the credit card, the bank will not only pay interest, but also charge a certain fee when you withdraw it. Therefore, you are advised not to deposit it on the credit card. A large amount of money may be deposited or not.

Credit card password is safer

According to national practice, credit cards are paid by signature and no password is required. But in mainland China, most banks now pay by credit card and signature.

If you want to set the credit card to be paid only by signature, you must also see if the bank provides the card loss protection. At present, 99% of the banks do not set the card loss protection service for the domestic card not to use the password. For example, if a consumer purchases in a large supermarket and uses a signature form to pay for the payment, there will be a large risk of using the card.

The above 12 credit card usage tips can help cardholders avoid certain security risks and enjoy the convenience of credit card when they consume.

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