Develop these card habits, let the bank give you ” send money ” ajviewer

To develop these habits with the card to allow banks to send money to you " " some people think that the credit card is the result of impulse consumption great scourges, some people think that the credit card is a rare money weapon, in fact, it mainly depends on the cardholder’s consumption habits and attitudes. Therefore, in order to better let the credit card for our service, we must develop good habits of using cards, let us look at those good habits, you need get. The credit card will not easily lend to others some fastidious buddy loyalty, as long as the friends open the credit card easily lend to others, "you are my friend, you are my thing", "my card is your card, you just brush for money". We moved to this buddy loyalty such behavior, also worry about credit card for your credit based overdraft consumption, if you really want to help a friend, would you please give him cash rather than lend him a card! Not because of credit card scores and blind consumption, in the cardholder, there is a "not for shopping, only for integral" star people, the purpose of their shopping is not to meet the needs of life, but in order to obtain integral with consumption, with points for gifts. In fact, in a sense, it’s not worthwhile. How much is the gift of an integral account? How much did you spend for the points? Don’t for integral and unnecessary waste, really love points to exchange gifts, just take a picture on the Internet search, with anything! WeChat opened a public platform for credit card SMS trading tips or attention to the issuing bank credit card in order to ensure the financial security, WeChat recommends that everyone open public platform credit card SMS trading tips or attention to the issuing bank, so that you can receive real-time trading tips, grasp the dynamic consumption. After you swipe the card, record the day’s consumption and consumption. You must have the experience: after receiving the bill, the first reaction is to feel that you haven’t spent so much money. Why is the bill so amazing? In order to avoid the occurrence of similar situations, you need to develop credit card immediately after recording consumption habits, now memos, accounting software, voice input method so much, write down the end of the month, eliminating the trouble of reconciliation, Why not?? Just get the good credit card habits, then you can get credit cards for their own use, but not reduced to slavery. Not only the minimum amount usually monthly bills, credit card center will give the cardholder sent a message to inform the current amount and the minimum amount, many people think that have a minimum amount of Everything will be fine., the rest can also slowly, after a few months to get the bill only to find a few more inexplicable interest expense. The minimum amount of personal credit guarantee is not damaged, or to pay interest, and interest is very scary. The principal and interest, etc., will be credited to the principal next month, and then according to the new number of principal interest, circulation endless. So, if you don’t really have no money to pay, or you’re going to spend your money on higher interest financial products, you have to pay monthly and full debt. Despite the fact that many banks have cancelled the commission fees, there are still many banks that have not implemented this policy. A lot of people who use cards pay too much.

养成这些用卡习惯 让银行给你"送钱"有人认为信用卡是导致冲动消费的洪水猛兽,也有人认为信用卡是不可多得的省钱利器,实际上,这主要取决于持卡人的消费习惯和消费态度。因此,想要更好地让信用卡为我们服务,就一定要养成良好的用卡习惯,让我们一起来看看那些好习惯,需要你get。不轻易将信用卡转借他人有的人过分讲究哥们义气,只要朋友开口就把信用卡轻易借给别人,“你是我朋友,你的事儿就是我的事儿”,“我的卡就是你的卡,用多少钱你自己随便刷”。我们为这样的哥们义气而感动,也为这样的行为而担心,信用卡是以你的信用为基础透支消费的,如果真想帮朋友,请你给他现金而不是借给他卡!不因为信用卡积分而盲目消费在持卡一族中,有一种“不为购物只为积分”星人,他们购物的目的不是为了满足生活需求,而是为了用消费获取积分,用积分换礼品。其实,从某种意义上说,这有些不划算。仔细算一笔账,积分的礼物才多少钱?你为了积分消费了多少钱?别为了积分而造成不必要的浪费,真喜欢积分换购的礼物,拍个照随便上网上搜一搜,要啥有啥!开通刷卡短信交易提示或关注发卡银行的微信公众平台为了能够确保信用卡的资金安全,建议大家都开通刷卡短信交易提示或关注发卡行的微信公众平台,这样你就可以实时收到交易提示,掌握消费动态了。刷卡之后及时记录当天的消费情况和消费金额你一定有这样的经历:收到账单后,第一反应是感觉自己没花那么多钱啊,为什么账单如此惊人呢?为了避免类似情况的发生,你需要养成刷卡后立即记录消费情况的习惯,现在的备忘录、记账软件、语音输入法那么多,简单记录一下,省去月底对账的麻烦,何乐而不为呢?只要养成这些良好的刷卡习惯,那么就可以让信用卡为自己所用,而不是沦为卡奴。不要每次只还最低还款额通常每月的账单日,信用卡中心都会给持卡人发一条短信告知当期还款额和最低还款额,许多人以为还了最低还款额就万事大吉了,剩下的可以慢慢还,之后几个月拿到账单才发现莫名多了几笔利息支出。最低还款额只是保证个人信用不受损,利息还是要支付的,而且利滚利十分吓人。本金连同利息等,银行会在下个月一起计入本金,然后再根据新的本金数计利息,循环不已。因此,如果不是实在没有钱支付,或将手头的钱用于利息更高的理财产品上,一定要每月按时还全额欠款。不随意取现虽然今年以来多家银行已经取消了溢缴款手续费,但仍有许多银行并未实行这一政策。许多用卡人超额还款后喜欢将超出的部分取现,对于没有免除溢缴款手续费的银行,取现后仍要收取较高的手续费。因此,持卡人最好将手中的每张信用卡新规了解清楚后再决定是否取现。总之,还是那句话,信用卡是洪水猛兽还是省钱利器?完全取决于持卡人的消费习惯!愿大家都能够找到适合自己的信用卡,多多学习信用卡使用技巧,早日成为卡神而不是卡奴。相关的主题文章: