The use of credit card, we should pay attention to the following aspects: 1, you can not take credit cards as a financing tool for the current use, as is now going to take a very high fee income, and self-created is now closed Rixi day began with the late fees. If there is urgent need to take with a credit card, but also in the shortest possible period of time to pay off, absolutely not be used as long-term financing tool, so as not to benefit the Gali, penalty on the penalty, long-term does not also lead to the ultimate small overdrafts into a huge debt, and even loss of personal credit. 2, do not use credit cards to take cash, it is best for consumer checkout. Because, taken with a credit card is unable to enjoy an interest-free repayment period and seeking the current date must be charged up to five ten thousandths of Rixi, but are still off-site to take charge fees, the fees are from the extreme of the date by 5 charged Rixi. 3, do not use non-currency credit cards or withdrawing cash abroad, closing, we must make careful use of credit cards, consumption abroad, domestic yuan repayment feature, because it is not only the risk of exchange rate changes to make themselves the loss of exchange rate movements, and the issuing banks to charge-related Currency exchange fees, etc., and some foreign agency should be charged various fees, the cost is very high. 4, be sure to interest-free repayment period before the arrival of payment, do not think that the 50-day interest-free repayment period of 55 days overdrawn their bank after deducting the 50-day interest-free repayment period just after they paid the excess 5 days of interest, it is very wrong understanding of 5, after the receipt of credit card statements must be paid the minimum amount of repayment period, if they can pay off the entire overdraft amount of time would be best, if it is cash flow difficulties, the best have paid the minimum amount, so that can at least reduce the li galli, a serious loss of penalty on the penalty does not make their late fees and penalty interest snowball. 6, using a credit card we must attach great importance to personal credit records, credit card accounts to keep in mind deal with their own behavior will affect the personal credit record is good or bad, and thus affect future dealings with the bank, and even affect the job-seeking and career development. Therefore, once received a monthly bank statements, we must promptly pay off the arrears to the bank or the minimum amount, not because of busy work, time, tight or negligence which led to unnecessary fines forgotten and credit loss. In addition, the accumulation of credit card knowledge in general everyone should be credited more we learn, the more likely to increase the credit value of fast, but is not true. For example, in foreign countries, including the calculation of the credit value of five factors: 35% payment history (payment history), 30% consumption rate (utilization rate), 15% credit card usage time (length of credit card), 10% of new credit (new credit), and 10% of credit types (types of credit), in which utilization rate, the monthly consumption refers to the ratio between the number and amount, generally 30% or less better than that, if the amount is $ 1000, up one-month
loan-to-$ 300, blind be able to use the number on the credit value by the number of pairs of disadvantage. The corresponding proportions in this way, unless you want to apply for a loan from the bank, if you have several credit cards and high limits, the banks may therefore not considering a loan for you. And frequent applications for credit cards could also lead to the reduction of credit values to apply for credit cards each recorded in the 6 months is the major banks are visible, if you look at the application Zhang 5,6, banks will feel you are short of money to spend, compare no insurance, so the possibility of the application to the effect will be good practice to apply within 6 months only 1,2 Zhang, over 6 months to apply for other 7, it is necessary to exploit the strengths of science and finance credit card. For example, a company salesman selling Mr. Chang ran away for many years, a second travel costs of 2 million, with a credit card credit card checkout, the holders of the invoice to the company for reimbursement, get 2 million in cash, and then use the money to invest in the stock market, At that time the stock market momentum is good, Mr Cheung would buy the stock earned 20 percent a month, one month after Mr. Zhang in an interest-free repayment period before the money taken out to repay bank. In this way, Mr. Zhang is only the use of personal credit, fixed a penny to get a 20% return, it will not have late fees and penalties. 8, using a credit card to protect personal information, including signatures, identity cards, passwords, billing, account numbers and so on. When using credit cards to prevent credit card information surrounding people peek, more to prevent the fraudsters use the telephone, network, or cheat in various ways to write credit card information to ensure the security of credit card use. Set on the confidentiality of credit card there are two kinds of signatures and passwords in many countries abroad, just as a credit card based on the use of signatures, it is because a person's signature in these countries have a strong discriminative ability. In these countries, a person's signature in many places are as an individual identification, so a person's signature is usually consistent and has its own unique characteristics. But in China people are more of a habit of relying on passwords rather than individual signatures, therefore, a lot of people do not own a fixed signature way, many businesses in the signature process control is also only a walk, or even without inspection. Therefore, the best in the country using a password with the signature double form of insurance against credit card theft brush.