Credit card strategy: credit card use taboo
The use of credit cards is now very common, and today, with so much information, the number of cards used in various cards is unclear.
However, some "small smart" Raiders will not only make the card more enjoyable, but on the contrary, it may make us robbed. Xiaobian gives you some common "small clever" strategies that are not reliable.
1, cash out
Please pay attention to the official: "cash out"
The so-called cash-out is that after the card-sweeping machine is consumed, the card-swipe machine holder will return the credit card amount to the cardholder in cash, and deduct a certain handling fee. Of course, the fee is generally higher than that obtained by directly using the credit card. The cost is low.
Let's come to the following paragraph:
"Article 7 violates state regulations and uses methods such as point-of-sale equipment (POS machines) to pay cash to credit card holders in a fictitious transaction, false price, cash return, etc. If the circumstances are serious, it shall be based on the second criminal law. The provisions of Article 225 shall be convicted and punished for the crime of illegal business operations."
This is illegal.
2, card card
Since I can't cash out, I can always get it. There are a lot of bank credit cards, take out the cash of one credit card, take the credit card debt of another bank, and then cycle back and forth, is it never to repay the credit card?
This is another tempting "small smart" strategy. Xiaobian tells you, no! can! Row!
Every time you withdraw cash, you need to charge the handling fee and interest. This is a cycle, and you are still using the card. The amount of the arrears will continue to accumulate and will not be substantially reduced.
This is a growing snowball! When one day credit card withdrawal amount is used up, there is not enough cash in hand, the capital chain is broken, credit card repayment may be overdue, and your personal credit will be damaged in a chain. influences.
3. Uncontrolled consumption
It is fashionable and convenient to think that credit cards can consume future money. So when you get the card, you will consume it unscrupulously, regardless of your ability to withstand. As a result, the amount of consumption has soared and it is impossible to repay.
4, the ratio of the ratio
My colleague has a quota of 40,000, and my talent is only 20,000. No, I must be taller than him! So I tried every means to increase the amount. In fact, most credit card quotas are enough for us to use each month; if the amount is too high, it may stimulate more consumer desires, and may affect other banks' new card applications and loans.
Credit card is the tool of our daily life. We are the owner of the credit card. We must plan the card reasonably. Don't be “reversely attacked†by the credit card, and let yourself become its “slaveâ€.
540 Needles Derma Roller,540 Facial roller, 540 face roller, 540 dermaroller, face micro roller,face cosmetic roller, face skin roller ,face derma rolling system, face micro needling roller, face micro needles roller, face micro derma roller, face derma needles rolling system, face derma roller system
540 Needles Derma Roller,540 Facial roller, 540 face roller, 540 dermaroller, face micro roller,face cosmetic roller, face skin roller ,face derma rolling system
Guangzhou Vantee Electronic Technology Co., Ltd. , https://www.finerroller.com