20 10 On the recommendation of a friend, Rebecca, a shopper, went to the Industrial and Commercial Bank of China Ya 'an Branch to apply for an easy loan credit card. Easy credit card life makes Rebecca's life interesting.
When it comes to easy credit cards, Rebecca Kan Kan talks about it. She told reporters that she bought a suite in the city last year. After receiving the down payment, there is not much money in her card. Seeing that the house has been delivered and the decoration has begun, she wants to borrow money from relatives and friends, so she has to owe people a favor and it is very troublesome to apply for a loan. Therefore, with the help of ICBC Easy Loan Credit Card, the house decoration work was carried out in an orderly manner in the form of installment payment, which also saved a lot of handling fees.
"In addition to ICBC's easy credit card, I have also set up two credit cards in other banks." Rebecca said truthfully, "My credit is relatively good, so when I bought a house, I quickly passed the bank's examination and successfully obtained a loan, because I can really enjoy the convenience brought by a credit card because of my rational consumption."
(1) Never use today's money to pay off yesterday's "debt"
Xiao Peng from tianquan county, through her own efforts, was admitted to a public institution on 20 1 1. Rent, utilities, daily necessities ... all expenses need money, which is undoubtedly a great pressure for Xiao Peng who just went to work. At the urging of a friend, Xiao Peng went to a bank in the city and opened a credit card with an overdraft of 1 10,000 yuan. When Xiao Peng got the greeting card for the first time, he was very excited. When paying for shopping, he always likes to say to the cashier in a foreign way: "I'll swipe my card."
After tasting the pleasure of swiping a credit card, Xiao Peng began the fashionable life of credit card overdraft. "In the past, you have to see if you have enough money with you. Now that you have a card in your hand, you don't have to worry about general consumption. You stayed in Chengdu for a while on March 8, and you swiped your credit card from top to bottom and from inside to outside. " The words just fell and Xiao Peng seemed a little embarrassed. Shopping is really cool. After receiving the statement from the bank, he regretted his madness.
"I brushed off my salary for two months in advance, and now I am anxious to find someone to borrow money to repay." Xiao Peng is a little in distress situation.
Later, the reporter found in the interview and investigation that many citizens, like Xiao Peng, used today's money to pay off yesterday's debts, and "regardless of the consequences", turned the original "no card" life into "worrying about paying off debts".
(2) Credit card consumption should be moderate and timely.
How to avoid becoming a "card slave" and correctly handle and use credit cards? Professional Opinions of China Industrial and Commercial Bank Ya 'an Branch:
The application process needs to be cautious. Applicant 18 years old or above, with full capacity for civil conduct. He can apply for an ICBC credit card where he works or lives. You can bring your ID card and credit certificate directly to ICBC outlets, or you can apply for a card online through ICBC official website.
When applying for a credit card by providing personal identity documents, don't easily disclose personal information to strangers, don't lend your identity documents and bank cards to others, and don't directly use the numbers such as birthday on your ID card during password setting. If the mailing address changes due to relocation, job change, etc. , or fails to receive the credit card statement in time, it shall notify the issuing bank in time.
Professionals suggest that it is best to bind SMS reminders to credit cards at present, such as the "ICBC Messenger" service provided by ICBC for credit card users free of charge, which can track the change information of the card balance at any time. Once the account is abnormal, contact the issuing bank in time to ensure the safety of the funds in the card.
(3) learn to keep credit cards.
Sign the back of the card in time after activation to prevent it from being replaced during use. Never put mobile phones, PDAs and other magnetic items with bank cards to avoid magnetization. At the same time, be careful not to put the card, ID card and password together to prevent others from guessing the password to withdraw money after the card is lost. If the card is lost, please call the customer service hotline of the issuing bank immediately to report the loss. Credit card customers of China Industrial and Commercial Bank can call 95588 or go to the nearest ICBC outlet to handle related loss reporting business.
After using the card every time, remember to check the signature and mark at the first time to confirm whether it is your own card.
(4) Timely repayment of credit card consumption.
Holidays are the peak of credit card consumption. Before using the card, the cardholder must plan his economic ability reasonably, reduce impulsive consumption and make appropriate, timely and moderate consumption. At the same time, repay on time according to the agreed repayment date to avoid bad records. Experts reminded that after the holiday, you should check the consumption details through the bank website in time to be aware of it. It is suggested to use the automatic repayment service provided by ICBC for free, and bind the automatic repayment of bank cards to avoid bad credit records caused by forgetting to repay.
(5) Beware of SMS fraud.
Familiar with the customer service telephone number of the issuing bank (the customer service telephone number of the issuing bank is printed on the back of all cards). Don't believe the "risk warning" sent by other phones. If in doubt, please call the customer service hotlines of banks in time. For example, customers of China Industrial and Commercial Bank can call 95588 for business consultation and handling.