How many credit cards do you have? Have you ever been bothered when using them? Have you ever enjoyed the benefits of a bank credit card while using it? Does the credit card help you enjoy the convenience of life during the use? Based on my 10 years experience in bank credit card marketing management, I tell you that mastering the following skills will definitely benefit you for life. If you don't believe me, look below.
First of all, you can modify the billing date of the credit card yourself. Different banks have several opportunities to modify the original billing date according to their payday and settlement date every year, just one customer service call.
2. If the last repayment date of the credit card is not more than three days later, it is not a breach of contract, and it is not interest. But remember, the arrears should be directly transferred to the credit card account. Generally, if automatic deduction is bundled, it will not be automatically deducted in the future, but will be transferred in real time across banks.
Third, bind automatic repayment in case of emergency. You can bind different bank cards. Even if you are used to WeChat, Alipay repayment or inter-bank transfer, please remember to bind automatic repayment, and deposit the repayment amount for about one to three months if possible, or deposit the repayment amount into the automatic debit bank card 1 0-3 days in advance. Because too many friends are late or forget to repay because of business trips and other accidents, and you will know that some banks deduct money on the second day of the last repayment date, and some deduct money on the morning of the repayment date.
Fourth, it is best to hold 2-3 credit cards from different banks, generally no more than 5. The credit card limit of the same bank is generally shared. If there are a large number of credit cards, please choose 2-3, and the rest are best to call the official customer service number to return the cards. No matter how careful you are, too many credit cards are too troublesome and unnecessary. Experienced people don't have to give more reasons.
How to use these "gestures" correctly is very important.
How to use credit cards correctly is a topic that card friends have been paying attention to. Some card friends can't find the correct way to use their credit cards even though they have rich preferential activities and numerous rights and interests. Not only did they not enjoy the rights and interests of the card, but they also brought themselves a lot of trouble. Next, I will tell you a few "postures" for using credit cards correctly.
1. Cherish your credit limit, don't default on the bank's money, and avoid bad credit records caused by overdue repayment, which will bring you a lot of trouble and inconvenience to future business dealings with the bank;
2. Try to control your own consumption, and try not to withdraw cash by credit card or invest with the money in credit card, because the interest and handling fee of credit card withdrawal are very high. If the investment loss is not as high as the credit card, it will become a card slave;
The money in the credit card can be used for many purposes. Don't just use one item. Usually develop a good credit card habit, regardless of the amount, but the capping machine is best to brush less or not, or it can be phased appropriately, which is helpful to increase the quota;
4. Learn to pay attention to the preferential activities of banks, make full use of credit card discount activities to save money, exchange credit card points for gifts for low-priced movie tickets and affordable meal tickets, and accumulate credit card points for rights and interests;
5. Don't use non-++credit cards to withdraw cash or settle accounts overseas, but also be careful to use the repayment function of credit cards in consumption abroad and domestic RMB, because this not only has the risk of exchange rate changes, but also causes the issuing bank to bear the losses caused by exchange rate changes, and some have to charge various fees from foreign correspondent banks, which is very expensive;
6. In the problem of how to use credit cards correctly, it is undoubtedly the most important to properly keep your own cards and personal identity information. It is suggested that card friends open a credit card consumption SMS reminder service to know and verify their consumption information in time. Once an abnormality is found, measures such as freezing the card and reporting the loss should be taken in time. After reading these "gestures", I believe that how to use credit cards correctly is not a problem for all card friends. Only by using the card carefully and keeping it carefully can we give full play to the role of the credit card. As long as you always pay attention to the key points of using credit cards correctly, I believe you can also become a great god of playing credit cards.
Teach you how to play credit cards with credit card raising skills.
Many card friends handle too many credit cards, which makes it more difficult for them to manage, and they are often in a hurry when the repayment date comes. In fact, when you have multiple credit cards, you can try to use credit cards to raise credit cards. This will not only maximize the amount of each card, but also promote the increase of each other's amount between cards. Today, I will teach you a few skills of keeping credit cards with credit cards and teach you to play with them.
There are two main principles for raising a credit card with a credit card: first, let the bank feel that its funds are safe with you; Second, let the bank make money from you.
Combining these two principles, you can refer to the following skills:
1. In the first three months after card opening, accumulate credit and repay in full and on time. Let the bank feel that the funds are safe and feel at ease with you;
2. Pay back if you have money. The purpose of doing this is to increase the efficiency of++and improve the utilization rate of funds. The greater the frequency of swiping and returning cards, the more banks like it, which not only ensures the safety of funds, but also makes money.
3, often brush a small amount, with points "le brush pos machine", let the bank make money. Raising a credit card with a credit card is a very important skill. The profit of pos machines is divided as follows: Issuer 7, Acquirer 2, UnionPay 1. Those with points are not capped, and those without points can't make money;
You can also withdraw cash twice a month to make the bank earn some interest. Or do it by stages every two months, and the number of stages should not be too long. Seize every opportunity to brush every day. No matter how big or small, you can pay the electricity, water and telephone bills by credit card. Don't underestimate these small credit card records, which are very useful for card-using activities.
The above are the skills shared by card friends to raise credit cards with credit cards. I believe that if you master these skills, you can enjoy the preferential rights of credit cards while maintaining your good credit information, and play the role of credit cards to the extreme, which is a "card god" from the beginning. Click on the credit card application channel to see which credit card is best for you.
How to play the credit card? What's the trick?
Although more and more people apply for credit cards now, in fact, many card friends are still in their infancy. At this time, the skills of using credit cards are very important. Let's tell you how to play credit cards in the New Year. What's the trick?
How to play the credit card?
1, WeChat binds the credit card to check the bill amount at any time.
The first time you get a credit card, you can use WeChat to bind it, mainly for safety and peace of mind. Because some small bills that are paid quickly are not prompted by SMS, it is easy to cause adverse consequences of inconsistent accounts. Therefore, credit cards are linked to WeChat, so that not only bills and quotas can be inquired at any time, but even preferential activities can be known at the first time.
2, credit card consumption must be accounted for, and the whereabouts of funds should not be confused.
At first, I struggled for a long time to get a credit card. I was afraid that the credit card bill would come, but I can't remember how I bought it, when I bought it and what I bought. Later, I thought credit card was a double-edged sword. As long as rational consumption can do more harm than good, I decided to join the ranks of credit cards, but rational consumption alone is not enough. After all, sometimes the information of credit card merchants is different from the actual situation. In order to make credit cards better used by me, I thought of a way to charge by swiping the card. I will charge each credit card like cash, so that when I get the statement, I can check it with my account at a glance.
3. The bank is relieved to pay off the card debt one day in advance.
Unlike the "same-day repayment" that many credit card experts are used to, my habit is to repay the loan one day before the repayment date. After all, we can't guarantee the time of receipt. What's wrong with Wanyitong, which leads to the delay in repayment, and the late payment fee and interest are also a lot of expenses. I don't want to take this risk, so I always pay off my card debt one day in advance, so that I can feel at ease with the bank.
4. Calculate the points exchange account, consumption and financial management.
Apart from the interest-free period of dozens of days, the biggest advantage of using credit cards is the redemption of points and discounts on consumption. From this perspective, credit cards are still a sharp weapon to save money. I would like to remind you to check the validity period of the points from time to time, and convert the points into real objects during the validity period, so that you can truly achieve both consumption and financial management.
5. A credit card is a credit card. Always remember not to relax.
Because credit cards are consumed first and then repaid, some daring and cautious credit card experts began to invest in various online lending websites with credit cards, and then repaid with expected annualized expected income after the investment expired. But don't forget, this is a risk based on your credit and overdue repayment. Therefore, on the issue of recharging online loans with credit cards, the attitude is that you are not familiar with it. Don't try it easily unless you have very strong economic strength and other spare money as a strong backing for credit card repayment.
So much for the introduction of how to play credit cards.