The correct and reasonable use of credit cards can bring a lot of convenience to our lives, take a look at the credit card use tips shared by Bank of Ningbo.
Make good use of the interest-free period of your credit card. A credit card is actually a loan voucher given by the bank to the consumer, and the cardholder can use this card to spend, and it is interest-free for a certain period of time. For example, if you buy a laptop for 10,000 yuan and have a credit card in your hand that is 25 journal days and 18 days of repayment, when is it the most cost-effective to swipe the card? After the bill day on September 25, swipe your credit card to buy, such as the 26th, the next 52 days, you can use the cash on hand 10,000 yuan to buy some money funds, demand financial management to make a little money. You can return your credit card by November 18th. The income in the middle is about 40 yuan. It should be noted that it is necessary to remember the accounting date and repayment date clearly.
Pay attention to credit card offers. In order to promote the credit card business, major banks have cooperated with many merchants. When you use it, you can download the app of the credit card holder. Always pay attention to some offers and be aware of them.
Keep an eye out for credit card points. Points are earned on credit card purchases. Points can often be exchanged for free or discounted on related apps for many good physical objects, exchange for electronic coupons, etc.
Credit card billing. Credit card purchases help with bookkeeping, and bookkeeping helps with wealth management. Every transaction has a record, and it is recorded on the online banking every week, and it is clear where the money is spent.
Credit cards can bring us a lot of convenience, but the majority of consumers must pay attention to the following three points:
Do not cash out with a credit card. Malicious cash-out is illegal, once discovered, not only face legal penalties, but also on the bank's credit system blacklist.
Reasonable use of the withdrawal function. Credit card withdrawals require interest to be paid 5/10,000 of the withdrawal amount per day and a handling fee of 0.5% of the withdrawal amount is charged, so it should be used fairly.
Make good use of the minimum repayment. If the capital turnover is not open, there is pressure on the full repayment, and many people think of the minimum repayment, so that it will not be overdue, but the cost is higher.
The Ningbo Banking and Insurance Regulatory Bureau reminds the general public that before using a credit card, it is necessary to make a comprehensive understanding of the use of credit cards, and remember to consume rationally when using them. Reporter Xu Wenyan
Correspondent Ren Danlin Dong Yan which Zheng Bo