爱华网信用卡的利弊分析
The card need not have the same two line
"Bank cards are not as good as they are," he says. If the bank's credit card features and preferences vary, the user can make the appropriate choice, then the same line of credit card is really not necessary to do two." He to China Merchants Bank credit card for example: "like China not only has ordinary friend card lending function, and can change the integral mileage, many users often fly in for, can put the original card back. This is for the user, there is no loss."
High annual fee does not mean high service
The existing credit card, the charge difference between the rows is relatively large, the most expensive like China Merchants Bank credit card fee of 300 yuan, while ICBC international card card annual fee is 200 yuan. Is the more expensive the better service? The difference between the annual fee on behalf of the bank's marketing strategy is different, some banks attach importance to the development of high-end customers, while others are targeting the general wage earners." An industry source said, the user does not have to stick to the level of the annual fee when choosing credit cards, more suitable for their needs and easy to use credit card is the first choice.
The three card is enough
In the face of all kinds of bank cards, how to use the most reasonable? How many cards are there in the hands of the bank? The bank staff said: "earners in general, a savings card (debit card), a quasi credit card (debit card), a credit card (debit card) is enough." He analyzed that debit cards can undertake savings function; quasi interest credit card deposit, credit card consumption can also be appropriate; in the purchase of large items of loans to prepare for possible period of want or need. Such a match, can meet the needs of ordinary people's lives.
Error: pay or earn
Do not use the credit card, you may bring huge losses and troubles
- 1 mistakes:
A credit card can save lives
Compared with the savings card, credit card deposit is no interest. Cardholders use credit card revenue in the first card or overdraft consumption is designated in the bank approved credit limit, then the repayment, and shopping can enjoy a certain interest free period.
- 2 mistakes:
Credit card to save more than overdraft
Many people believe that a large amount of cash to credit card can increase the amount of overdraft credit. In fact, this is a misunderstanding. There is no relationship between the cardholder's credit card and deposit amount. When a bank initially applies for a credit card, the bank will grant its corresponding credit line to each customer's credit standing. To increase the credit limit, the bank should apply again.
- 3 mistakes:
We enjoy interest free overdraft
China Merchants Bank staff told reporters: "credit card cash is not entitled to interest free period, take this day according to the overdrawn amount of five ten thousandths of a daily interest calculation from overdraft. Credit card is also a certain amount of fees charged by the transaction amount. This function of the credit card is mainly to meet the urgent needs of cardholders."
- 4 mistakes:
Credit card account is not important
According to the organization of the relevant visa and MasterCard card rules, customers use credit cards on the Internet, only need to provide the card number and expiration date (sometimes also need the card back three digit number). So if the credit card number leaked, the property is likely to disappear in the network". Bank professionals advise that credit card holders should not only receive the card, but also on the bill and password notification to the bank to send a safe address.
