It is reported that there is a man in Britain who owns 65,438+0,497 credit cards (debit cards). Together, his comprehensive credit line is about 1 100 million yuan. However, due to good management, all cards have never expired. He used this huge overdraft to buy himself a 2 1 apartment, which is currently worth more than 3.5 billion yuan. This means that resources are in your hands, depending on how you use them.
Credit card (debit card) is the most popular bank credit product at present. How to make good use of this resource is the topic we will discuss today.
First, use a credit card (debit card)
1, the first is to use a credit card (debit card), that is to say, if you buy consumer goods (including consumer goods here: as long as they are in the mobile link), you can pay as long as the merchant has a POS terminal, or you can bind a third-party payment platform to pay, which saves the trouble of bringing a card.
2. Withdraw the second credit card (debit card). Credit card (debit card) withdrawal is the right for the bank to give you 50% cash withdrawal while giving you the quota. Credit card (debit card) withdrawal requires a handling fee, and the daily interest is 15000 yuan. The cost is relatively high, and individuals are not advised to run for cash relief when funds are tight; If necessary, you can apply for a personal version of pos machine.
Second, the credit card (debit card) repayment time
1, the repayment time of credit card (debit card) is calculated according to the billing date and consumption date. Because the repayment period of each bank is different, the repayment time of general credit card (debit card) is 18- 25 days after the bill date. At present, banks will basically inform you of the date and amount of repayment after the bill comes out. However, many people will have bad records because they forget to repay.
2. What if I forget the repayment date? I pay great attention to the bad record of the letter, but because Zheshang Bank's credit card (debit card) forgot to repay for more than 5 days and was reported by the bank, the credit record was overdue 1 month. Therefore, banks still have a certain grace period after repayment, which varies according to different bank terms. Repayment within the grace period will not be recorded in the credit report.
Third, credit card (debit card) repayment method
1, the best way to repay in full is to repay in full after the bill comes out, which is also the best way to prove your credit. At present, almost all credit card (debit card) systems in banks use big data for comprehensive scoring. Your work information, family assets, consumption data and repayment data will all be scored through the integration of big data. The higher the score, the better your repayment ability and credit status.
2. The minimum repayment is a repayment method when your cash flow is difficult and there is a problem with your cash flow, which is generally 65,438+00% of the bill amount. Repayment according to the minimum amount will neither affect the credit information nor ease the repayment pressure.
3. Repayment by installment. If you encounter a large amount of consumption, you can choose to do it by installment, but the installment interest rate is relatively high and the cost increases accordingly. If you really have no choice, you can choose staging to ensure that your credit record is spotless.
4. Credit card repayment (debit card) is an emerging third-party service in recent two years. There are many such companies now, both professional and a business under a big company. Of course I'm interested. After all, people have to eat to support their employees. When there is nothing you can do, you can choose to use a third-party service in order to ensure your credit record. Of course, we should choose a genuine platform to prevent the risk of customer information leakage or theft.
Fourth, how to increase the credit line?
If you want the bank to serve you, you should serve the bank first. Correct card habits will make you get twice the result with half the effort, and also ensure good credit and controllable liabilities. There is a saying, don't choose a comfortable life in order to realize the value of life at an age when you shouldn't be comfortable. To quote this sentence, don't increase your debt too much when you are not debt-capable, which will not only make you physically and mentally exhausted, but also bring unnecessary trouble to your future development. How to improve your credit limit correctly? When the bank gives you a credit line, it will conduct a comprehensive review of you, including your work, assets, liabilities and so on. If you want to get the service of the bank, you have to let the bank make money first and keep a good credit.
1, use a credit card (debit card) for spending, and keep the credit card (debit card) active (that is, don't be idle).
2. Pay in full when you repay, and ensure that the banking system receives the data of your long-term full repayment. This is the most effective way to prove your repayment ability.
3. If necessary, let the bank give some money to repay the loan in installments. Now many banks will call you to repay in installments. The bank is to increase the income of intermediary business, and you are to ensure the good use data of credit card (debit card).
4. Avoid expectations, and avoid overdue credit cards (debit cards), loans overdue and online loans overdue. Overdue records not only affect your credit environment, but also affect your enjoyment of bank wealth management products, especially credit products.
5. Avoid using credit cards (debit cards) to brush integers. Some people may brush an integer every time they swipe their credit card (debit card) for the convenience of bookkeeping, which leads the system to think that you are maliciously withdrawing cash and affects your credit card (credit card) quota.
6. Avoid judicial execution. Once it is recorded by judicial execution, it will have a great impact on you.
You can also refer to the correct credit card method (debit card)
Credit card (debit card) has been indispensable in our life, but few people fully master the knowledge of using credit card (debit card). Although you can't make a credit card (debit card) a stepping stone to increase our wealth like any British man, it is the most basic rule to ensure our good credit while circulating funds. Only with good credit can you travel around the world. It's not because credit cards (debit cards) make our lives miserable.