Novices should pay special attention to the following points when using credit cards:
(1) The issuing bank must pay special attention when offering special discounts to attract consumers to apply for credit cards in the first year. These promotions are usually short-term, so don't be confused for a moment. When choosing a credit card, you should give priority to long-term interests.
(2) Avoid applying for more cards than you can bear. Evaluate your consumption habits, needs and financial situation before deciding how many credit cards you need to choose.
(3) Be sure to sign the new card as soon as you receive it, and cut the old card into pieces to avoid fraudulent use.
(4) Be sure to take good care of your credit card and report the loss immediately if it is lost.
(5) Whether it is a credit card or a charge card, you must keep a good credit record.
(6) It is convenient to borrow cash in advance, but the cost is high.
(7) Using revolving credit can help you manage your finances, but it should be noted that revolving credit is a kind of credit loan, so that you don't have to pay off all the consumption amount at one time during the payment period, as long as you pay a part of the amount before each payment period, but revolving credit must pay interest separately.
(8) Prevent credit card fraud.
(9) When changing the new address or contact telephone number, immediately notify the issuing bank.
(10) There is no extra charge for spending by credit card in the special store.
(1 1) If it is collected by the collection unit because it has not paid, it has the responsibility to pay off the arrears immediately, and if the circumstances are serious, it will bear legal responsibility.