Nowadays, the utilization rate of credit cards is getting higher and higher, and banks are competing to occupy the credit card market, and the overall development trend is good. However, in such a big environment, many criminals focus on people who use credit cards. Do you know what are the common credit card routines in society and on the Internet, but what are the actual "pits"?
First, large credit cards:
Some people have a great demand for quotas and want to run big cards. However, when banks approve bids, they will have a set of strict and perfect audit standards, especially the four major banks, and will not give high initial quotas. There are indeed a large number of people in society who need large credit cards, so scammers are eyeing them. They have prepared a set of rhetoric in advance, claiming that they are a UnionPay POS machine center and the like, and do not belong to any bank, but there are so-called preferential policies at present. Merchants will give away large credit cards when they buy POS machines. However, I bought a lot of POS machines, but I didn't have a large credit card. I didn't say anything with hope and spent money in vain.
Second, the amount.
For many people, credit cards are practical and easy to use, but they are always not enough. It is not easy for banks to take the initiative to raise the amount, and it is still difficult to pass the examination and approval if they want to apply to the bank. Therefore, some people in the society use "free cash withdrawal", or cash withdrawal fee 1%-5%, or brush it on behalf of others. Either way, it should actually attract the attention of all cardholders. For example, we all know that if the frequency and amount of consumption are high, banks usually give higher amounts. Therefore, the person who "withdraws the amount" requires the cardholder to charge the fees of different businesses separately, and then cash them back. But in the end, it is likely to be just an empty joy. Not only can the amount not be increased, but the cardholder must also fill the loopholes in the credit card.
Third, whitewash credit.
Because the "three troubles and six troubles" of credit cards will damage the cardholder's credit information and make it black, which will directly affect the future car loan situation, especially the financial business related to banks in the future, and will also be strictly restricted. Therefore, many debtors pay special attention to the issue of credit reporting, but it needs to be clear that credit reporting cannot be washed away unless it can be repaired under special circumstances, especially those who claim that they can recover it well as long as they take money. Can you believe it? I can't believe it! I can't believe it!
Fourth, revolving credit cards.
If someone tells you that as long as you pay one or two hundred yuan a month, you can raise 420 thousand a year. Is there a feeling that pies fall from the sky and hit your head? Heartbeat? Dare not move? This scam is to use the psychology of some people who want to take advantage of it and trick people into falling for it through various clever packaging. However, the money is deducted at different levels. For example, as long as the membership fee is paid, you can apply for the card in advance and enjoy the discount in advance. These framed words are actually full of loopholes as long as they are rationally distinguished. But there are still some people who blindly believe that they can really use it and make a lot of money in the future. I didn't know that I was the "fat sheep" who made a lot of money. I didn't even know I was cheated. I am immersed in the dream of getting rich. Time to wake up!
Although credit card is very practical, it will lead to many "pits" in reality. Be careful not to get caught up in these routines by accident.
Are credit cards getting deeper and deeper, or are they being used more and more?
20 18.03.0507: 14
In class last night, the teacher told a case.
A sister called the teacher. She said that she cashed in more than 300,000 credit cards every month, and she was exhausted. I don't even want to use condoms. But I don't know, I owe the bank more than 300 thousand, and I haven't paid it back. It is also a burden to withdraw more than 2,000 handling fees every month.
This is also the attitude, cognition and usage of many people towards credit cards. Many people think that:
Credit cards are only used in emergencies!
Credit cards are only used for consumption in advance!
Credit cards are just cash cards for hoarding goods!
For people who are used to cashing out, they just want to cash out once and then put the card there.
Use it when necessary. Completely caught in a vicious circle.
Then I was heavily in debt and talked about the discoloration of my card.
I want to say: you misunderstood the credit card.
Credit card is not a tool for profiteering, nor is it a tool for overdraft consumption. It's just a medium for you to communicate with the bank. When you don't have enough resources, you can enlarge your credit leverage and make your credit have enough money.
I also believe that when you have enough credit, your life is naturally not short of money.
Credit card is a financial tool used to leverage funds.
He is not right or wrong, but whether our cognition is neutral.
When banks issue credit cards, they never teach us how to use them, so we just use them indiscriminately.
The elder sister in front is.
The teacher asked her if her credit card case had been mentioned so far.
She said: No.
The teacher told her that in Qian Hai, our credit card limit is used more and more.
We have the fragrance of Guilin, rising from 5,000 to 300,000 in two months. There is also a handsome guy who spent more than 2,000 to 700,000 a year. There are too many such examples, and everyone's credit is growing.
And the sister who cashed in, set for so long, what results did she get?
I want to tell you our secret: building credit. What you see on the surface is that the credit card has improved, but in essence, this person's credit in the bank has improved. Many people outside have no credit and can't move or get a card.
Why?
The first two words of a credit card are "credit". In other words, you have a credit score in the banking system today. This credit score needs to be established by yourself.
How to build and learn! No one is born with this ability. When you enter the right circle, you learn the right knowledge and live the life you want.
My daughter started school today, so I must wake her up quickly. After 70, Xiao Bai Ma Bao studied finance. Welcome to sweep me. If you want to study with me, please leave a message and I will reserve a seat for you.
Credit card routines are deep, and you should avoid these six pits when applying for a credit card.
Speaking of routines, how deep is the routine of the bank? See if you have the hang of it. Every bank has different credit card standards. If you are not careful, you will be taken in. To get twice the result with half the effort, we should pay attention to the following routines.
Routine 1: Repay the loan in advance after installment.
As friends all know, after credit card installment, only the deduction fee is used, and the loan interest is not deducted. Can I choose 3, 6, 9, 12 for installment payment? For the 24th issue, some basin friends will think, if I divide it into 6 installments, if I pay monthly, then I will settle it once in the second month, so there will be no service charge for the remaining 4 months? In fact, even if the cardholder repays in advance, the bank will ask the cardholder to pay the service fee paid in installments.
Routine 2: If it is not provocative, there will be no annual credit card fee.
There is a requirement in the credit card management regulations that all expenses cannot be deducted from the credit card without the prompt of the cardholder. However, the "special circumstances" attached to this regulation also show that the annual fee-free for inactive credit cards does not include all credit cards, such as some high-grade credit cards and some unique types of credit cards, and even if there is no prompt, the annual fee of credit cards will be deducted.
Routine 3: Bank staff strongly recommend it by phone.
Do friends often receive a strong recommendation from the online customer service of the bank to apply for XX, inviting you to credit card installment, cash installment, investment and wealth management, and loan? First of all, you are a high-quality customer of the bank. Please mention your recent consumption, accommodate your recent consumption, reduce the pressure of your economic development by installment, and pay attention to exempting your loan interest. Finally, you can only deduct the service fee. If you don't use this business process, you will pay a service fee in vain. In fact, every time I get a call like that, I will say, since I am a high-quality online customer service, will you help me set a credit line first?
Routine 4: Cancelling a card is just a phone call.
Before, the network editor saw a netizen poking fun at the hard road of selling bank credit cards online. Although it succeeded in the end, it also fell in the loans overdue. The netizen's original words were: "From the beginning of 20 14 to 20 16, although my credit card was suspended, the annual credit card processing fee was still charged, and every time loans overdue recorded my credit information." Finally, the provident fund mortgage was also rejected. The whole process of this incident was that the card was cheated-turned into sleep card-and the annual credit card fee and tax late payment fee were caused in the second year-the card was returned by phone for the first time-all kinds of fines were paid-online customer service MM said that the account was successfully cancelled-15 received the income and expenditure details-and a fine was paid. In addition, the staff at the bank counter said that it was necessary to check whether the account cancellation was successful by telephone one month later-the third telephone card cancellation.
What is often mentioned above is the personal experience of a netizen. While I sympathize with this netizen, I also advise my friends who swipe their cards. Idle cards must be solved as soon as possible. There is a waiting period of 45 days for checkout. I still remember that after 45 days, I have to confirm whether the account is successful again. The above example tells you that it is really important to finalize. We can't expect the bank to be responsible to everyone.
Routine 5: It is not easy to report the loss.
Inevitably, it is not easy for a friend to report the loss of a credit card at will on the phone. Tens of dollars for a card is no problem. If the wallet is lost, the loss reporting fee of the credit card is between 30 and 80, and friends can calculate a large sum by themselves. The replacement cost is still a trivial matter. The key is to report the loss of your ID card and run back and forth to the bank, which is the most tormenting place.
Routine 6: The minimum repayment amount is not cost-effective.
Friends think it is enough to avoid credit card installment, but there is actually a minimum repayment. The minimum payment seems to have solved the present situation. If you pay less, you won't need loans overdue. In fact, the loan interest is not cost-effective at all, which can be said to be very high. The best way is to choose the minimum repayment amount if the credit card is maxed out in a month or two. If it takes a long time, choose credit card installment. When the bank invites you to pay by installment, you can try to ask the bank for some concessions, such as service fee concessions, or you can apply to the bank's online customer service.
Summary: The routine of banks is definitely deeper than that of cardholders. If you want to apply for a credit card smoothly, you should not only control your inexplicable consumption impulse, but also know how to protect your personal credit and prevent the loan from being rejected in the future. I suggest my friends, no matter how the bank sells products to you, you must learn to calculate the interest cost of the loan first, so that it is not easy to be inexplicably given a routine by the bank. I hope this information is helpful to my friends.
So much for the introduction of credit cards.