12 credit card tips
The use of credit cards must require skill and experience, especially for the young white cardholders who have just started, the most taboo is to use the card according to their own intuition. Recently, there are also frequent backstage questions about some tips on using cards, the following to share with everyone.
1. Pay attention to two dates: billing and repayment dates
The general repayment date is 20 days or 25 days after the bill date, the day after the bill, the maximum interest-free period, the day before the bill, the shortest interest-free period.
2, credit card face information to protect
The three most critical information on the credit card face: card number, validity period, CVV code these three key information affect you with card security, especially CVV code, it is as important as the password, it is recommended to use correction fluid or stickers to block the CVV code, someone is even more extreme, directly with the blade to the CVV code scraped off, the three numbers in mind.
3, the credit card, in order to avoid the annual fee;
A typical credit card is free of an annual fee if it is swiped six times. So be sure to brush out the annual fee, in addition to more swipe cards, hard-working swipe card, but also to increase the credit card limit, at the same time, on time repayment, maintain a good credit record, which is also a way to increase the credit limit. In addition to introduce a method of increase, that is to do a few more credit card installments, so that the bank earns your money, in order to raise the amount more quickly, this method has costs, careful use.
4, repayment method to choose the most suitable for you
In this information age, repayment methods are diversified, it is not necessary to run the bank outlets or teller machine transfer can be repaid. Credit card repayment methods are Alipay repayment, debit card binding automatic repayment, UnionPay online repayment, online bank transfer repayment and so on. So choose the right way for you and pay it back in the quickest and most convenient way!
5, if the capital turnover is not good, or due to delay edgy repayment, you can call customer service to apply for deferred repayment.
Is if your funds temporarily turn around, or because of delays in repayment, then don't worry, immediately call the bank customer service, apply for an extension of one to three days repayment. General bank customer service will help you delay!
6, the funds are tight how to do? Request a change in the billing date and an extended interest-free period.
Application to change the bill date should pay attention to calculate the billing day time, enjoy the longest interest-free period, to ease the pressure of financial constraints, but this skill is not available every month, it is said that some banks can apply for changes once in six months, some banks can apply for change once a year, some banks can change once in a lifetime!
7, if there is unreasonable charges, please call customer service
All credit cards have unreasonable charges, can call customer service, and customer service bargaining, apply for the cancellation of unreasonable charges, such as customer service do not agree, can insist on complaints in the end, generally can win.
8, careful lying with credit card installments
Credit card installment interest is very high, even if interest-free, installment fees are not cheap, installments need to be used with caution, do not let the bank earn their own dime. Of course, except for those who are unable to repay their credit card arrears on time, except those who wish to increase their credit card limit as soon as possible.
9, pay attention to all kinds of credit card consumption traps
To remind you to always guard against all kinds of credit card consumption traps, such as, the Bank of China to provide a good credit line, these similar are small credit loans, interest is very high, such as credit card commissioners to promote, all refused, as well as credit card sellers, all refused!
10, try not to use cash
Credit card can not be used to withdraw cash, unless you want to rush, very, very anxious, otherwise do not approve of credit card withdrawal, that fee and interest can not afford to hurt! Remember, credit cards are for consumption, not for cash withdrawals!
11. Don't deposit money into your credit card
Saving money into the credit card called overpayment, saving money into the money to withdraw money is difficult, the general credit card withdrawal overflow payment needs to pay a handling fee, so, if not necessary, do not deposit money into the credit card.
12, credit card set no password?
Some people say, do not set a password feel in the naked run, then, credit card set not set the password? Generally speaking, credit cards do not have a password more secure, but the key is to see if the bank has provided you with lost card protection?
