The use of credit cards has become a standard for shopping consumption. However, there are some “routings†in bank issuing credit cards. I don’t know if you have ever encountered them. Today, Xiao Bian came to discuss and discuss with everyone, the "pits" of bank credit cards.
1. There is no annual fee for not activating the bank card.
There is a rule in the credit card management method that credit cards cannot be deactivated without the activation of the cardholder. However, this situation is conditional. Through the prescribed "additional conditions", it will be found that the non-activated annual fee does not include all credit cards, such as some high-level credit cards and some special types of credit cards, even if they are not activated. An annual fee is charged.
2. Repayment in advance after the installment.
Instalment payment requires a fee. Everyone knows that some card friends have chosen to repay in installments and have been divided into several periods. Later, with the funds, I repaid it in advance, thinking that I would not need to pay the handling fee. Too naive, even if the cardholder repays the loan in advance, the bank will ask the cardholder to pay the installment fee.
3. Credit card loss is not easy.
Sometimes when a credit card is lost, friends want to call the bank to report the loss of the credit card. This is really not a simple matter. It is okay to pay a few tens of dollars for a single card. If the wallet is lost, the credit card is lost. The fee is between 30 and 80, and the friends of this account can calculate it by themselves. It is still a small matter to pay for the card. The key is to report the loss of identity cards and back and forth to run the bank.
4. The minimum repayment is a pit.
In addition to the installment repayment, the problem of being unable to repay at a time is only the minimum repayment, but the minimum repayment is not a good method. It seems to solve the current situation. If you don’t have a little more, you don’t have to overdue. In fact, this interest It's not cheap at all, it can be said to be very high.
5. The card can be solved by making a phone call.
Sometimes there are extra idle cards, and the card friends want to log out, thinking that a call can be made. In fact, it is wrong. The cancellation is a 45-day waiting period. Remember to confirm the cancellation after 45 days. If the cancellation is not confirmed, it is very likely that the annual fee will be incurred because there is no cancellation, and if the annual fee is not paid, the overdue will be incurred and the credit will be tainted. So do a good job to go to the bank to sell the card, if you use the phone to sell the card, you need to confirm, whether the card is successful.
Some of the above mentioned routines, do not know if the card friends have encountered? If you don't want to be riddled, then Xiaobian suggests that you pay more attention to the use of some credit cards, properly raise the card, raise the amount in time, and avoid falling into the pit.
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