Rule 1: Credit cards are credit cards, not savings cards. Many people like to deposit their excess cash in their credit cards and plan to withdraw them in the future. However, according to bank regulations, no matter overdraft or not, cash withdrawal fees are charged. Some bank credit card withdrawals are subject to a 3% handling fee, with a minimum of 30 yuan per transaction, without capping. Credit card consumption should be based on swiping cards; use credit cards for cash withdrawal carefully, and should repay in time to avoid unnecessary losses, because in addition to the interest rate calculated by the bank at a rate of five ten thousandths of a day, if the user does not repay in one month , Banks can also calculate compound interest.

Rule 2: Credit cards are not without annual fees. Many banks slogan "free of annual fees", in fact, this free is premised. If you do not meet the conditions set by the bank, you must pay an annual fee. Some credit cards are not activated, and an annual fee is charged after one year.

Rule 3: Credit card borrowing is not interest-free. Credit card consumption generally has an interest-free period. If the overdraft limit is not returned in time after the interest-free period, interest will be charged at five ten thousandths per day (18% annual profit). There are currently two ways to repay credit cards: one-time repayment and installment repayment. Considering the pressure of repayment, many citizens choose to repay in installments. In this case, they cannot enjoy the interest-free period, and they should charge a recurring interest rate of 5 per 10,000 per day.

Rule 4: Services such as SMS reminders are not free. Many credit cards now also open SMS reminder services and charge a certain fee. Although the fee is not much, generally a few yuan per month, but if these small fees are ignored, the late fee paid by the user for this may be far greater than the fee itself.

Rule 5: Keep the transaction receipts properly. Properly keep the credit card transaction receipts, at least they should be kept until the next month's statement is sent, and then destroyed after verification. On the one hand, compare the transaction receipt with the statement in detail, if repeated deductions occur, you should contact the bank in time; on the other hand, do not discard the transaction receipt printed by the POS and ATM at will to avoid revealing the credit card number And key information such as validity period.