Speaking of credit cards, today's credit card promotions can be described as endless and exciting. At the same time, the negative news about credit cards is not overwhelming, so people who don't understand it are suspicious and afraid to get close.
Some people can easily play credit cards very well, and some people use credit cards to "remove the east wall and make up the Western Wall" into a sad "card slave."
In fact, how much or how much credit card can cause to a person depends entirely on how the user treats it.
So today, Xiaobian wants to talk to you about the bad habits of credit card use and how to use the card correctly.
Bad habit 1: Cardo still does not remember the date of repayment
Cardo is not your fault, you can't remember the billing day, and the repayment date is your fault.
There are friends around Xiaobian who are greatly embarrassed, but they still love to do the card. As a result, I almost forgot to pay back the last repayment date. It is not a big mistake.
To know that you can't remember the date of repayment and the amount of repayment, you may not only lose interest, but most importantly, it will affect your personal credit history and increase the risk of stolen. Must be changed!
Bad habit 2: Total repayment according to the minimum repayment amount
Credit card payment according to the minimum repayment amount (10% of the current bill), although convenient, can temporarily reduce the repayment pressure, but will generate interest.
Moreover, most banks calculate the interest according to the full penalty interest rate, that is, the amount you have already paid does not enjoy the interest-free period, but the interest is collected from the trading day to the repayment date.
Lee is profiting, and it is a slow knife to cut the meat, so that you still can not feel the heartache, so your own money is distressed, non-essential moments or full repayment.
Bad habit 3: Credit card withdrawals are frequent
The basic function of the credit card is to overdraw the consumption, and the bank then earns transaction fees from it, so the cardholder is encouraged to swipe the card, and the transaction fee is borne by the merchant.
However, credit card withdrawal does not involve merchants, so banks can only earn income from you.
That is, each withdrawal will charge you the current handling fee, which is usually 0.5%-3% of the cash amount.
Moreover, the credit card withdrawal does not yet enjoy the interest-free period, and the interest is collected from the date of withdrawal or the next day.
In the past, I had a colleague who liked credit card cash withdrawals. Later I calculated the account for him and never saw him take it anymore.
I said a few bad habits of using a credit card, and then talk about how to use a credit card correctly to improve happiness.
Tip 1: Choose a credit card based on spending habits
Credit cards are mainly divided into functional categories: travel, women, auto, aviation, shopping, cartoons, games, charity, etc. For example, if you go to a supermarket or a shopping mall frequently, you can choose your co-branded card, you can enjoy discounts, multiple points, and so on.
If you are flying frequently, you can choose some airlines' co-branded cards. These cards can consume mileage. After reaching certain mileage regulations, you can also apply for free air tickets, position upgrades, and so on.
If you are a frequent business traveler or have a certain spending power, you can hold multiple bank credit cards. One is to play each card in different places, and the other is to temporarily consume. The total amount of different bank credit cards can meet the needs.
Tip 2: Credit card points, the bank's wool is not white
When we first applied for a credit card, we all know that credit cards can accumulate points when they are spending. What can credit card points do?
1. Redeem gifts.
We can go to the bank account of the credit card to find the credit card points option, so that you can see the points price of some goods and goods redeemed. Of course, the products of each bank may be different. In addition to the real thing, there will be some goods, experience and the like.
2, points can also be redeemed gifts at the mall.
This part of the exchange is provided by the merchant for redemption, and the merchant has the final say. The points are credited to cash. This is the new way in the past few years. In the bank cooperative store, there will be exchanges, and the points can be bought in cash. However, in general, it depends on the type of credit card. Some credit cards can be exchanged for a lot, and some are less.
3. Redeem miles.
Some credit card points can be redeemed directly for miles, but generally you need to be an airline VIP user. Miles redeemed for points can be used when you are on a business trip or travel.
Tip 3: Swipe the card to generate the next month's bill after the billing date
If you want to become a senior card god, you must first have a good memory. We must remember the billing date and repayment date of each card in the hand, so that you can stagger the billing day, then the consumption record can be recorded in the next month. Bills.
For a chestnut, the small-sized credit card has a billing date of 10 on a monthly basis and a repayment date of 26. If I swipe my credit card on the 9th of this month, I need to repay it on the 26th of this month, so the actual interest-free period is only ten days.
And if I check the credit card on the 10th of this month, then I can generate the bill until the 10th of next month, so that I need to repay it until the 26th of next month. This is equivalent to the fact that the bank has given us a one-month transition period, which is still very important for the friends who are tight.
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