1. The bill will be charged in advance by repayment of the bill in advance. Case: Li Li bought a 9,000-yuan digital camera with Huaxia Bank Credit Card a few months ago. Because of the large amount, I could not repay it in full. Subsequently, she applied to the bank for a six-year repayment of the bill. Calculated, each period repaid 1555.8 yuan, of which the fee was 55.8 yuan per period. Three months later, when she was ready to return the rest of the money. At this point, she found that she still had to pay the remaining three periods of 167.4 yuan (55.8 yuan * 3), plus an additional 20 yuan prepayment fee. Fact: After the credit card bill is instalment, if you decide to pay in advance, if you pay monthly, you need to fill in the fees for the remaining months; if it is a one-time payment fee, it will not be charged due to early repayment. Return. In other words, after the customer has applied for the installment payment, in any case, these fees must be borne. In addition, some banks will also be charged an early repayment fee for “potholesâ€. Xiao Bian: Before the billing is completed, the matters such as early repayment should be consulted clearly to avoid unreasonable application period and overpayment of fees. At present, there are also bank regulations that pay off the instalment balance in advance, and the remaining months do not need to continue to pay the handling fee. 2. Minimum repayment of full interest payment Fact: A large amount of consumption has been made, and it is impossible to repay the loan in full. Many people have chosen the minimum repayment amount (generally 10% of the total arrears), which can prevent bad records. However, when calculating interest, many people found that the interest was calculated from the day of consumption, there was no interest-free period, and the full interest-bearing period was used. The portion of the repaid amount was still calculated as the interest-based base before the entire amount was paid off. . With an overdraft of 10,000 yuan, although it has already paid 9900 yuan, the interest is still calculated at 10,000 yuan, and the interest is still "profitable." However, at present, the bank has canceled the “overlord clause†and only charges interest on the unpaid portion. Xiao Bian: The idea is very beautiful, the reality is very skinny. Before deciding to repay with the minimum repayment amount, it is still necessary to clarify the situation. 3, credit card can not be used as a savings card Case: Many people who just have a credit card will deposit money into the credit card, because of this, credit card spending will also earn points. But this time the bank is stealing, because the loss is the cardholder. Zhang Ze applied for a credit card of China Merchants Bank before the year, and deposited 2,000 yuan in it. But when he took 1,000 yuan on the ATM machine, he found that he had deducted 10 yuan. After going to the bank for consultation, I discovered that the 2,000 yuan he saved at that time had not only no interest, but also a handling fee. Fact: At present, the fees charged by banks are different. Some banks charge 1%, and at least 10 yuan. Some banks charge 2.5%, and at least 50 yuan. Xiao Bian: Saving money into a credit card, "going in", it is not so easy to "out", this kind of selfless dedication "stupid thing" is still less good. 4, credit card withdrawal is not interest-free Case: Yang Ting took the 10,000 yuan urgently with the CITIC Bank credit card on January 30. On February 6th, when she logged in online for repayment, she even found that she would pay 330 yuan more. What is the 330 yuan? Later, I called the bank's customer service to know that the cash withdrawal interest rate will be calculated from the day of the withdrawal date, and the day before the payment, the daily interest rate will be charged at 5% of the daily dividend, and an additional 3% withdrawal fee will be charged. Calculated by this, it is 10,000 yuan * 0.05% * 6 days (May 30 - June 5) + 10000 yuan * 3% = 330 yuan. Fact: At present, all banks stipulate that credit card cash withdrawals must pay interest and do not enjoy interest-free period treatment. Most credit cards are calculated on the basis of five-tenths of a day, and the annual interest rate is more than 18%. In addition, most credit card withdrawals are subject to high cash withdrawal fees, and only a few credit cards are exempt from handling fees. Xiao Bian: If you want to "calculate" the interest-free period of the bank, let your friends give you cash and borrow your card. 5, installment payment is difficult Case: At present, all banks and merchants have launched credit card installment payment services, allowing cardholders to settle with the bank after the purchase of credit cards in the mall, and the bank will not collect the overdraft interest during the agreed repayment period. This looks beautiful. Fact: The bank did not lend money to the cardholders in vain, but changed the credit card overdraft interest to a trick. When the cardholder pays interest-free instalments, the bank charges a certain fee per month, which is generally much higher than the preferential interest rate of the same class. Xiao Bian: There is no pie in the sky. Be careful about the "trap" behind the zero interest gimmick. 6, the credit card is not as good as possible Case: Some credit card "professional households" may handle credit cards with multiple themes, such as aviation theme cards, car theme cards, shopping mall theme cards, financial theme cards, Taobao theme cards, etc. In this way, points can be doubled during different consumption periods. . Fact: There are too many credit cards on hand. It is easy for cardholders to confuse how much money each credit card has spent and when the repayment period is due to the phenomenon of repayment of arrears, and the points will be scattered to each card, which is not cost-effective. It also caused a lot of "financial burden" for itself. Xiaobian: A lot of good, this is not anyone can control. There are more credit cards, and it is not good to play. 7, can not sit back and relax with the savings card Fact: If you are worried about forgetting the repayment date and thus generating a bad record such as overdue, then when you apply for a credit card, you will choose the same bank that you have already applied for the savings card. In this way, the credit card is directly linked to the savings card, and will automatically repay the full amount on the repayment date, and no handling fee will be charged. Or do a bank transfer account that does not charge a fee, and then bind all credit cards, so you don't have to worry about forgetting the repayment date. The bank will automatically debit the savings account on the last repayment date. As long as there is enough money in the savings card, you don't have to worry about overdue payments in the future. Xiao Bian: When you use your credit card, you can spend a little time. If the repayment amount in the savings card is not enough, you can't pay interest at the same time. 8, the password is safer than the signature Fact: Regarding the security of credit cards, everyone talks the most. At present, the use of signature as a credit card for consumer credit is the mainstream of the international banking industry, but in China it is the opposite, the password is more secure than the signature. According to international practice, for credit cards, the responsibility for using signatures and checking signatures is at the merchant; the responsibility for using passwords and passwords is at the cardholder. There are not many people in China to verify the signature. In addition to the stolen credit card, there is still a big gap between it and foreign countries. Therefore, it is more insurance to use the form of password + signature. Xiao Bian: The experience of foreign countries is still forgetting, what songs to sing in the mountains. In China, it is still a traditional mode of using password + signature. 9. Excessive credit card has “excessive fee†Case: Wu Nan wants to buy decoration materials next month, and then calls the bank customer service to ask for an increase in credit limit. Her original bank card of 25,000 yuan was raised to 55,000 yuan. It took 50,000 yuan to buy decoration materials. On the repayment date, Wu Nan only paid 5,000 yuan (10% of the amount owed) according to the experience of the previous minimum repayment amount. As a result, the bank received a notice that the bank received the over-limit fee. . Fact: In order to avoid over-limits, the cardholder must pay off the portion of the original amount within the end of the temporary limit (usually one month), otherwise an additional expense will be incurred. Xiao Bian: Improving the temporary credit limit of credit cards can indeed bring us a lot of convenience, but don't forget that this amount is temporary. You should consult with the bank before repayment, and don't let the temporary amount "hang" you. 10, points may make you happy Case: Many people use credit card to swipe their cards. The biggest temptation is that points can be exchanged for gifts, but when you try to brush Kazan points for a gift, you may find that your points have been cleared. Because many banks' credit card points are valid for a limited period of time, they are generally more limited in two years. Fact: More and more cardholders report that the value of their points is getting lower and lower, and the points are getting harder and harder to obtain. At present, most banks exclude large purchases such as buying houses and buying cars from the scope of points. In fact, in terms of credit card points redemption gifts, even the most cost-effective China Merchants Bank, Bank of China, the points earned by spending 400 yuan can only be exchanged for goods worth 1 yuan, while the smallest gas bank needs to spend 1310 yuan to exchange value 1 Yuan items. Xiaobian: Credit card points are more and more like "chicken ribs". If the points are not valid, I suggest you cancel the credit card early. After reading this, I believe you have a clearer understanding of the credit card. You can use your credit card correctly and at low risk in the future~
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Many people use credit cards in their daily lives. But the credit card is still half-baked, and if you are not careful, you may step on the pit. Then, let Xiaobian tell you the small mistake of the credit card.