Credit cards are consumer credit cards given to us by banks. Generally speaking, we can apply for credit cards at many banks as long as our personal credit checks are good. Credit cards do facilitate our lives because they can solve problems when we are tight on money, and it can be said that credit cards are timely rain for us under economic pressure.
However, many friends may overlook some very important details when using credit cards, because of which we may bear certain credit card fees. Here is a look at the four main details that must be paid attention to for credit card spending.
1. Don’t forget the credit card repayment date
Don’t forget the repayment date when you use your credit card, only pay on time to keep a good credit record, so that there is no late record, if you want a loan in the future will be convenient.
2, credit card annual fee do not forget to pay
All credit cards are required to pay the annual fee, different cards annual fee is also different. General ordinary credit cards are swiped more than a certain number of times a year, the annual fee is waived.
So you get a credit card to remember to swipe more cards every year, otherwise the annual fee is not paid on time, there will be a bad credit record.
3, credit card repayment by bill amount
When you pay off your credit card every month, you have to pay off the entire amount of the bill, not to wipe out the zero and pay less, otherwise the amount you missed will incur high interest charges.
4. Choose a reasonable repayment method
Whenever you want to make a repayment, you must choose a reasonable repayment method. If you choose the minimum repayment, the issuing bank will calculate the repayment interest based on the entire amount, and the longer it takes to pay off, the higher the repayment interest will be. So, try to pay it all off in one go as long as you can.
Credit card is our savior in work and life, bring us convenience, the correct use can enrich our consumption needs; but if you do not comply with the above five points credit card use details, that is affected by that is your own Oh, if you think this article is useful, like forward to let more people know it.
Translated with www.DeepL.com/Translator (free version)