Before long, "Card slave " return be a humour to speak. Now, more and more person ascend bodies " the gens that use card " . According to the statistic that Jiang Han of well-known advisory company seeks advice from, up to 2018 first quarter end, quantity of hairpin of our country credit card adds up to 612 million pieces, credit card of hold of average per capita amounts to 0.44 pieces.
But, many people lack proper understanding to how using credit card, bring about the error took when using card, brought a lot of inconvenience to oneself. We come today check, the hope can give those who use card you were helped.
Error one: Card has been jumped over more more
The promotion activity of the bank is increasing now, pattern also is richer and richer, occasionally for boot other perhaps little gift, one did not keep back handled card.
More amount spends the credit card amount that returns somebody to think to do taller, this statement is seemingly right, but become actually when card civilian Shen Kachao crosses 4 pieces, the bank can think afresh your consumptive ability and letter expenditure, the appropriate specified number that reduces later period to handle card is spent.
Card is additionally too much the reimbursement day that forgets some piece of card easily also, cause the behaviour such as exceed the time limit thereby, affect credit record.
Error 2: Do to raise the specified number easily in installment more
Well-known, we are dealt with can allow bank gain money in installment, bank nature raises the forehead of card gladly to spend.
But hundreds of money should deal with false consistent individual 12 period in installment, where can his economic capacity go by force again? In installment original idea, it is to solve temporarily difficult. But if you often return a few penny difficult, how can you still count on a bank to raise the specified number to you?
Error 3: Reimbursement day that day reimbursement can
Say by the truth, we are active after the consumption that brush card reimbursement, short of exceeds booked reimbursement time limit, won't put in exceed the time limit, so many people when final reimbursement day ability reimbursement.
However, although reimbursement day is fixed, but each time that big bank has deducting a money in reimbursement day is different however, use reimbursement of tripartite channel especially, deduct a money whether successful, affect reimbursement result to the metropolis such as Zhang time, cause possible exceed the time limit.
If encounter deposit to block limitation to perhaps take the place of,buckle a system to upgrade cannot use, to Zhang date the likelihood is later, this moment, this your reimbursement in bank notes can cause exceed the time limit.
Error 4: 1 day of accountants enter credit card exceed the time limit the record that sign a letter
In the bookshops has hearsay to say, want credit card exceed the time limit 1 day only, the bank can record exceed the time limit of individual credit card upload to go up to the system that sign a letter, accordingly often in advance reimbursement.
Actually, the bank uploads record of exceed the time limit to come the system that sign a letter does not figure a decision according to day of exceed the time limit of user credit card. And, be aimed at time limit of reimbursement of individual credit card, the user that the bank can not return for exceed the time limit commonly offers the day of extend a time limit of 1~3 day. During this, the person that hold card wants only method as soon as possible reimbursement, customer service of bank of active connection explains not reimbursement reason, can get forgiving commonly.
But, also do not want accordingly with respect to carelessness, although be 9 days, the time became much leave bad impression easily also to the bank.
Error 5: Record of exceed the time limit can be eliminated automatically after 5 years
Because ask for the individual that believes a center to ask for letter record to be able to save 5 years only, the record meets the exceed the time limit that so somebody thinks the individual asks for letter report to go up to be enclothed automatically after 5 years, be eliminated thereby.
Etc, this must be based on a major premise -- borrower has paid off all debt.
If be during this, exceed the time limit of use credit card of the person that hold card and fail to pay off all loan, so notes of exceed the time limit will exist all the time. So called " after 5 years eliminate automatically " , be from consideration begins after reimbursement.
Those who have an error, also have of course " card is magical " people play the unboiled water that get wind to rise. Somebody uses credit card to avoid breath period to make investment; Somebody improves life quality with all sorts of privilege with integral; Those who return somebody to use Zhang sheet and privilege to have defray government... in the hand that uses credit card in be apt to, came true to let money become more valuable truly.
Credit card is a tool only, the life that the function of a lot of services that it depends on is us really is brought lots and lots of convenient, serve as the person that hold card to should know card to know card, correct use, reasonable consumption. Reduce when one part person " card slave " when rushing about to block debt hard, another part person has used credit card investment, gained real material benefit. Of credit card train in excess specified length avoid breath period, all sorts of favourable activity, to credit card investment provided good basis. Should use only proper, lawful and sound investment, the life that can let oneself completely with credit card becomes more good.
