Credit card type:
You can choose according to the type, amount, expenditure and bank of the credit card.
First, look at the type of credit card. Different credit cards have different emphasis on the design of use, and cardholders should choose the required credit card type according to their own situation. By function, the types of credit cards generally include shopping cards, travel cards, airline cards, game cards, women's cards and so on. For example, if you often go to supermarkets or shopping malls, you can choose their co-branded cards. In this way, you can enjoy discounts, more points and so on. If you often fly, you can choose some airline co-branded cards. You can accumulate mileage by using this card. After accumulating a certain mileage, you can apply for free air tickets and other benefits.
Second, look at the credit card limit. After choosing a good credit card type, the most important thing to care about is the amount. The higher the credit card limit, the better. Enough to meet your consumption and capital turnover needs. Don't hold too many credit cards. It is best to control it between 1-3 sheets, which can not only meet daily needs, but also facilitate management.
Third, look at the daily expenses. Although it is basically free to apply for a credit card now, you still need to pay the annual fee, cash withdrawal fee, overrun fee and other fees when using a credit card. Take the annual fee as an example. The annual fee for credit cards issued by each bank is different, ranging from tens to hundreds or even thousands. However, in order to attract customers, the bank will also introduce an annual fee-free policy accordingly. For example, after swiping the card several times in the same year, the annual fee for the first year and the annual fee for the second year will be exempted. If you want to save this money, you'd better choose a credit card with similar policies. After all, the annual fee is not a small expense.
What should I pay attention to when withdrawing credit cards:
1, try not to fill the number when swiping the card. Many merchants don't mark the price as an integer, but they usually brush an integer when using credit cards to withdraw money. Generally, you can withdraw cash by swiping 9800 or 19800. If you directly swipe 10000 or 20000, the bank can easily detect it. This card consumption must be avoided.
2. The cash amount is in line with consumption habits. The credit card amount should be consistent with the consumption amount of the merchant. For example, it is normal for a hotel POS machine to brush 200-800 at a time. It is illegal to brush tens of thousands.
3. Don't check the balance on the POS machine. Be careful not to check the balance on the POS machine before swiping the card.