Many fans ask how to use credit cards properly. What is the correct way to use a credit card? Many friends often do not pay attention after brushing credit card repayment period, which often leads to credit card late, resulting in credit downgrades. This is very detrimental to the cardholder. Today, I would like to explain in detail the eight principles of the proper use of credit cards.
Rule 1: You have to cherish your credit limit, never owed money in the bank, because the bank's money not in arrears a minute. You'd rather long returned a minute later also do not want a point. If you default, your credit rating will drop, which will cause a lot of trouble. When processing credit card, the cardholder should not just because they have a car and a room and think they want to deal with high-limit credit card.
Rule 2: Try to control your spending situation, try not to use a credit card to withdraw cash with a credit card or invest the money, because credit card to withdraw cash from interest and fees high, make money from their investments is a good thing, if you have any questions how to repay the credit card money?
Rule 3: Do not trust random high-value credit card or promotion intermediaries. This will give credit card information disclosure and theft risks.
Rule 4: When credit card payment, the cardholder must learn to use a variety of repayment methods. If ordinary repayment problems, cardholders can also try other repayment methods, in order to avoid unnecessary credit survey questions. Summary: Bank always has a feature that they never provide timely help, and they always make things worse.
Rule 5: Cardholders are recommended to apply for credit cards as soon as possible, do not think only of your money when it apply for credit cards, so that banks will not apply for you up.
