The credit card (debit card) is not activated. Do I have to pay an annual fee? ",in the face of this problem, I think most people's answer isno.. Generally speaking, most banks' credit cards (debit cards) will not calculate the annual fee as long as they are not activated, but there are some exceptions. At present, some banks have some special types of cards. Once the cards are issued, whether they are activated or not, an annual fee will be charged. If it has not been activated and the annual fee has not been paid, it will still be overdue. Be careful!

Tricky 2, not all consumption has points.

The bank's wool mainly uses credit card (debit card) points in exchange for rights and interests, but not every credit card (debit card) has points, such as buying a house, buying a car and other large consumption, and some credit cards (debit cards), online shopping or mobile payment also have no points, so everyone should remember well.

Tricky 3, credit line sharing

If you handle multiple credit cards (debit cards) in the same bank, the lines between them are shared, not superimposed, so you can't accumulate credit lines through multiple credit cards (debit cards).

However, you can't share it when you repay it. At present, different banks have different regulations on the bill setting and repayment of "peer multi-card". For example, China Merchants Bank implements one-account repayment, and the total consumption of several credit cards (debit cards) can be attributed to one card; However, most banks implement the principle of quota sharing and sub-card repayment.

Tricky 4. You can't sit back and relax with a savings card.

Some people are worried about forgetting the repayment date. When using a credit card (debit card), they will bind the credit card (debit card) and the bank will automatically deduct the repayment from the savings account on the last repayment date. But this operation is also risky. If the repayment amount in your savings card is not enough, it may be overdue!

I would like to remind you that you should be careful when using credit cards (debit cards). If the repayment amount in the savings card is not enough, you will still have to pay interest if you fail to repay in full at one time.

Tricky 5, installment interest-free also charges.

Some banks and merchants have introduced credit card (debit card) interest-free installment shopping, and banks do not charge overdraft interest during the agreed repayment period, which sounds beautiful. But in fact, the "interest-free" of credit cards (debit cards) is just a beautiful "lie" because users still have to pay the handling fee.

Banks don't lend money to cardholders for nothing, they just change the overdraft interest of credit cards (debit cards) into different models. When the cardholder handles interest-free installment repayment, the bank will charge a certain handling fee every month, which is generally much higher than the preferential interest rate of loans of the same grade.

Tricky 6, the bill is repaid in advance, and the handling fee is still charged.

Choose the bill installment, thinking that you can pay less fees, but you can only say that there is no way!

After the credit card (debit card) bill is divided into stages, when it is decided to repay in advance, if it is repaid on a monthly basis, it is necessary to make up the handling fee for the remaining months; If it is a one-time payment, it will not be refunded because of early repayment. In other words, after the customer applies for installment payment, he will bear these handling fees anyway. In addition, some banks have to charge prepayment fees.

Tricky 7. Pay full interest on the minimum repayment amount.

Many people who are short of funds will choose the minimum repayment amount (generally 65438+ 00% of the total debt) to prevent bad records. However, when calculating interest, many people find that interest is calculated from the day of consumption, and there is no interest-free period, and interest is calculated in full. Before you decide to use the minimum repayment amount, you still need to find out the situation.

Tricky 8, credit card (debit card) cash withdrawal is inevitable.

Some people think that credit card (debit card) withdrawals can enjoy interest-free treatment just like credit card (debit card) consumption. In fact, cash withdrawal is a paid service.

At present, the credit card (debit card) centers of various banks implement the rate standard ranging from 0.5% to 3% for the cash withdrawal of credit card (debit card) holders, and the cash withdrawal amount will also charge interest of five ten thousandths per day, which will be accumulated according to the actual number of days. If you want to "calculate" the interest-free period of the bank, ask friends around you to give you cash and borrow your card to spend it.

Tricky 9. The more credit cards (debit cards), the better.

There are too many credit cards (debit cards) to manage, especially when repaying money. Once it is returned by mistake or missed, it will be overdue appropriately. It is recommended to hold at most 4-5 credit cards (debit cards), as long as they are easy to use.

Tricky 10, password is more secure than signature.

The security of credit card (debit card) is probably the most discussed. Using signature as proof of credit card (debit card) consumption is the mainstream in international banking, but in China, on the contrary, passwords are more secure than signatures. According to international practice, for credit cards (debit cards), the responsibility for using signatures and checking signatures lies with the merchants; The responsibility for using and keeping the password lies with the cardholder. There are not many people who verify signatures in China, except for the theft of credit cards (debit cards), which is far from abroad. So it is safer to use password+signature.

Mao Ni 1 1, there is an "overrun fee" for over-swiping credit cards (debit cards). It is estimated that many cardholders have never heard of it, but this fee does exist.

Ms. Wu wanted to buy decoration materials, so she called the customer service of the bank and asked for an increase in the credit line. Her credit card (debit card) was raised from 25,000 yuan to 55,000 yuan. It cost 50 thousand to buy decoration materials. On the repayment date, according to the previous experience of minimum repayment amount, Ms. Wu only paid 5,000 yuan (65,438+00% of the amount owed). As a result, she received a notice from the bank that she had charged the over-limit fee.

Increasing the amount of temporary credit card (debit card) can really bring us a lot of convenience, but don't forget that this amount is temporary. Consult the bank before repayment, and don't let the temporary quota "pit" you.