In March this year, a bid for the China Merchants Bank's credit card because KITTY beautiful cat, so then it's quite a long time, many of my friends would ask, do not have credit cards, and asked other people's credit card much longer Peugeot No, some people said that the card is used with, not much longer marked Peugeot What is the relationship between them.
Oh, but, for me, when it decided to do the card, because it is much longer Peugeot Oh.
Of course, much longer on the basis of Peugeot, I also took into account the bank's good service (line recruit staff or efficiency that have to boast about, of course, compared to those such as the Industrial and Commercial Bank of like the term), To facilitate the repayment (though not move visit outlets, but there are good companies in the vicinity), free annual fee (enough to brush six times a year, this is not too difficult Oh).
Of course, when the main purpose is trying to enhance their credit and cash flow.
Run down the card after the study began to impose fines, the cycle of interest problems, but before that, his firm on one point, so that children will not be spendthrifts, is also full-time, if the two can not do this, then , Proposed a credit card or do not do otherwise, it will make your life worse.
With such a long time, university management is also seen so many people's posts, had found their own choice of China Merchants Bank's credit card or very wise. Also found that some individuals and understand the proposal, we would like to be able to help, incomplete and inappropriate, we welcome correction.
1. Because they can not be overdrawn on spendthrifts to buy some unnecessary things; can not guarantee absolute interest-free period of time in the whole Also, if they can not be convinced that these two points, please do not blindly apply for credit cards. In particular, is a serious amount of your overdraft in excess of your income level.
2. To choose a good service, convenient repayment, all in all, is their preferred bank. Credit card, I prefer China Merchants Bank. And Puca, I prefer Shanghai Pudong Development Bank's pretty transparent beauty of the cards, Peugeot much longer, and cross-place money will not stop Oh fees. Internet banking is also convenient, but Shao Ledian function.
3. According to their own needs, if only day-to-day use, it can choose their favorite beautiful face of the card. If it is often to buy air tickets, travel, or travel on the proposal to set up the aircraft plot could be more mileage, hotel points like the discount cards. Like to go to the beauty of shopping malls, department stores will be able to choose a joint card can be integral, and some can be discounted.
However, we can not use their credit cards to the cart before the horse and, in small shops or have been on the market can spend 2 yuan to buy pieces of things, in order to score card, the supermarket or go shopping to spend more money to buy back the same thing, it is not worthwhile too A. Also buy air tickets, and some cheap Web site, you can buy a 3.8 discount air tickets, but the plot to 5 miles to buy discount airline tickets, but also the special worthwhile.
4. To apply for credit cards, pay attention to charge an annual fee of policy. Must be conditional or unconditional election can be free of annual fee credit cards, brush or spending enough on several occasions how much free annual fee credit card, and it provides the conditions can not let you feel the burden. KITTY my card, for example, run on the success of the card's annual fee-free year, the 6th will be enough to brush the following year in order to avoid the annual fee, no more than 6 times, it is easy to reach ah.
It is said that there is a life-long interest-free credit card annual fee, but the time to do card fee income group, I do not like. As long as I pay, I do not like to think, but do not know after the expiration of the following do not in the cards "for life" within the scope of it.
Therefore, at the same time, note that your credit card before the end of the month, if you do not apply to the banks for not following the run, the banks will be automatically added for you to do a card sent to you. Then you need your credit card before the end of the month, ask, do the following card whether or not to continue to enjoy fee-free policy. If not, then you can choose not to do following the credit card.
5. Line of credit. Each bank has a different amount of audit standards, but you not sure. Similarly, the income of the same company or colleagues down the bid amount may be a lot of difference, of course, may not grant it. Some of the same bank, but different types of cards does not limit the scope of the same. Will depend on the specific needs of the individual. Much you brush, it can require banks to limit or, sometimes, of course, the bank will take the initiative to upgrade you if you need the big and good credit.
6. Opening ceremony card, the points of the ceremony and the like. Bank of points in each of the gifts are not easy to get, in order to get a score card of a bank, it is necessary to consider, not small things to the neglect of other more important issues. Banks always clever than the consumer.
7. Admission fees and interest now. All credit card banks are not encouraged to take now, and must now take the case, is a price to pay. The basic interest are the same, Japan 0.05 percent, only slightly different method of calculation, but the fees are taken, there are differences between the bank's. Even though I despise the Industrial and Commercial Bank of service that ultra-low-limit credit card, but it is taking now do not charge a fee. Other banks will close a 10-30 per month, or by taking the amount by the number. In short, it is not worthwhile.
8. Impose fines, the cycle of interest. Therefore, special emphasis should be on time to repay the entire paragraph. Otherwise, the costs are really high. If you are easily forgotten by the repayment date, they can often associated with a debit card with money. For example, move the line card, auto-related payments, also free card account management fees it.
9. Some banks, received text messages to inform what charges, heard that Bank of Communications, Industrial Bank is the first on 3 yuan, according to close the quarter, was accidentally black heart to the people of the pit.
10. Billing, payment at the latest, the minimum amount. Almost to such an important one to forget. China Merchants Bank's credit card (because I only vs. line credit card, the other are heard), it may need to change their billing date. So if you have a choice, you can set out on the bill in the end, then at the latest on the day of repayment will be the beginning of time, if you are just the beginning of wages, just made a payment on wages, To avoid the embarrassment of a temporary shortage. The minimum amount is best not to the election, is too high ah interest. But compound interest than the atomic bomb was also amazing things, and it appears on the face of relatively inconspicuous, which is more terror, is looking sound, and let you relax their vigilance, in fact, very much. Not pay attention to their own, do not have enough awareness to prevent, even worse death.
So, be careful to do credit card, a credit card to be careful too. Ask more than their own, have a better understanding of the relevant knowledge, so as not to lose out. Burongyia to make money, save is earned.
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