Do you know a few big steps on credit cards?

Do you know a few big steps on credit cards? Nan Xiaobian will give you a detailed introduction.

Nowadays, young people like to use credit card to spend their shopping. In addition to the unique features of the credit card repayment after the first consumption, the interest-free period has also been played with great fire. A new buying trend is now popular, which is the credit card scan code.

And this credit card purchase is not a traditional POS machine for merchants, but a quick payment. Alipay or WeChat bound credit card, directly scan the QR code presented by the merchant, click on the fingerprint payment (or enter the 6-digit transaction password), and pay the bill. Buying a credit card anytime, anywhere can not only fully record your consumption (billing), but also reduce unnecessary expenses.

Is it true that you are doing the card because of the lack of money?

Are we really doing it because of lack of money? maybe. However, some people think so. From the day of the self-use credit card, the personal credit flow began to build, and your credit has been recorded by the central bank, you are already a credit record. Second, the credit card is your money emergency pool. It's hard to imagine which day is really short of money. Who are you looking for? Human feelings and reason are more secular but the reality is so, so credit cards can help you avoid this sad experience.

How about the mainstream of the card method?

People who are usually not short of money are rarely used by credit card salesman Amway. We know that there are only a few channels for card processing: bank business halls (including APP and WeChat terminals), banking representatives, and network card cards (most of which have evolved from traditional websites into professional card apps and WeChat. No public). The network card is comparable, and through the inherent financial search matching, you can finally find which credit card is best for you. In addition to the above channels, it is purely a liar to receive advertisements on how to increase the quota and handle various high-value credit cards through social tools. Do you really think that there is a relationship channel within their bank? The reason for any card charges is hooliganism.

Level is not what you want to choose

By the same token, all kinds of Platinum and Diamond cards can be paid for by fraud. For the lack of strong background and capital support, what will the bank give you the advanced card? Inside the bank, there is a complete set of mature risk control systems. The first time you do a card, if you want a VIP diamond service, you can provide materials (including but not limited to salary flow) to prove that you have the ability to repay. In general, credit card ratings are divided into the following categories:

1. Puka: Under normal circumstances, everyone can apply for Puka, and you can get an annual fee if you swipe your card several times. The amount is also based on your consumption repayment situation. Most of the routines are to give you the amount of pre-payment. If you use the pre-paid amount to maintain good use, you can convert it into a solid amount without using it for a long time;

2, gold card: not the amount of 1W ~ 5W is a platinum card, nor is the card is gold or gold card (see an article to spray). The threshold for gold card approval is improved. In addition to the higher than the Puka, the quota can also enjoy a variety of value-added services, and the annual fee is relatively high.

3, Platinum Card: Airport VIP, free rescue and other value-added services allow you to improve quality instantly, Platinum card audit is more stringent, requires asset certification or proof of deposit, annual income 20W + credit good people easily;

4, diamond card: the symbol of the status of a generalized successful person, of course, one level higher than the Platinum card. The general amount is a million, and you need your qualification to prove that you are worth the value.

Black card people call the infinite card, the sky is omnipotent, not the top rich really want to see this card can only look at the picture.

In fact, the way you use your credit card, in addition to routines or routines.