Many readers and netizens will ask how to use credit cards correctly. What are the correct ways to use your credit card? Many friends often do not pay attention to the repayment period after swiping the card, which often leads to overdue credit card, which leads to lower creditworthiness. This is very unfavorable for cardholders. Today, I will introduce the eight rules of correct use of credit cards for friends. Let’s see it.
The first rule is that you must cherish your credit limit. Don't owe money to the bank. Because the bank's money is in arrears for one minute, it is better to repay more early repayments, and don't owe the bank a penny. If default, it will cause credit. Declining, credit decline will cause a lot of trouble.
Rule 2: When the cardholder does not think that he has a car and a house, he wants to apply for a high credit card. If the bank does not contribute, the bank will not give you a high credit card for the first time. Special circumstances), the high amount is still slowly increased by your credit and card status.
Rule 3, try to control your own consumption situation, try not to use the credit card to withdraw cash or use the money in the credit card to make investment, because the credit card cash interest and handling fee is very high, the investment makes money, in case of the situation, the credit card How is the money still?
The fourth rule, the money in the credit card can be used in many ways, do not use only one item; usually develop a good habit of swiping the card, regardless of the amount, you must swipe the card, but the capping machine is best to brush or not brush, you can also appropriate staging This will help increase the amount.
Rule 5: Do not arbitrarily believe in the sales or intermediary of high-value credit cards, so that the risk of credit cards will also cause information disclosure and stealing.
Rule 6. It is recommended that the cardholder should do a card early to raise the card, and don’t have money without thinking about it, so the bank will not handle it for you.
Rule VII. If you encounter the right opportunity, you should handle it. Don't pick the bank too picky. Because you missed a reasonable time, you may not meet the requirements when you want to apply.
Rule 8. For credit card repayment, the cardholder must learn to use a variety of repayment methods. In case the usual repayment method is out of order, the cardholder can also try another repayment method, so as to avoid the occurrence of no The necessary credit information.
Summary: Banks have always had a feature. Banks are never going to be in the snow, and they have always been worse. When you need money and need a credit card, it is often rejected by the bank. Therefore, I suggest that if you have financial management and investment plans in the future, you may wish to apply for a few credit cards that are suitable for you in case you need them. I hope this information will help my friends.
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