First, don’t use a POS machine to get credit card cash. We know that credit cards can take cash, but credit cardsChina unionpay credit card a certain amount of cash. For credit card withdrawals, a certain withdrawal amount should be paid to the bank, and the general interest rate is 1%. For example, if we withdraw 2000 yuan from a credit card, there will be a service fee of 20 yuan. And some friends who are too smart. To save on withdrawal fees, I applied for a POS machine and swiped the POS machine to cash out my credit card at home. You can use the machine to cash out multiple times, but if the number of times is large, the bank will carry out risk control, and then may close your credit card consumption and withdrawal functions, so the gains are not worth the loss.
Second, don’t run out of your credit card right away. This is true in real life. Some young friends, who are nervous about spending money, try to use up this amount regardless of their credit card spending limit. They don’t know that this kind of credit card spending is bad for them. The credit card limit is 10,000. If it is used up all at once, it is equivalent to an overdraft of 10,000 yuan. This kind of regular consumption behavior will make the bank think that you have a bad habit of excessive consumption, and the greater the capital risk. For their future credit limit increases are not promotions, but possible reductions.
Third, do not affect personal credit information because of overdue, try to use the automatic repayment function of the credit card. We know credit card spending is easy, but when it comes time to pay it back, it can become a bit passive. Many friends know the repayment date of their credit card, but on the repayment day, even if the bank has sent a warm reminder to repay on time, more than 60% of credit card holders will still forget to repay. Because the pace of life is too fast now, everyone’s life is under a lot of pressure. There are many people who are too busy with work and have too many chores in life and forget to repay their credit cards. So be sure to bind your repayment bank account and activate the automatic repayment function of your credit card, so as to avoid overdue.
Fourth, don’t let the credit card development have been in a dormant period and let yourself pay the annual fee of the credit card. Some friends apply for a credit card that can be improved, because we may lead to a social behavior of credit card consumption that is rarely used or even has no problem within a year. Although our country has no cultural consumption to a penny, people have clear regulations for most of the current banks: only when the consumption level of credit cards reaches a certain number of times or the amount can be exempted from paying the annual fee. The former has been in a dormant period for one year, so it has to electronically pay the bank an annual credit card fee ranging from hundreds of yuan. In this way, my credit card does not have the ability to obtain different consumption, but instead bears the financial burden of annual fees, which is really dumbfounding.
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