1. Can a credit card refund be refunded to a credit card?
Everyday life, you will encounter a lot of shopping refunds, such as a refund of Taobao shopping, a deposit refunded from the hotel, and so on. Is your refund refunded directly to your credit card? Can you offset the credit card bill directly?
This depends on the date the refund occurred and the date of the billing and repayment date:
The refund occurred before the billing date: Can be offset against the current month's credit card statement
Refunds occur after the billing date and before the repayment date: Cannot offset the current month's credit card bill, which can offset the credit card bill for the next month.
When you are ready to repay, this purchase record still exists in your current monthly bill record. When the online shopping refund has not been refunded to your credit card, the credit card defaults to the completion of this purchase.
Therefore, it is best to check the monthly bill before repaying each month, and then repay the loan.
2. Is the annual fee inevitable?
Many friends and friends quickly went to the credit card when they heard that they had no annual fee. In fact, many credit card annual fees are conditional. Generally, the first year of the credit card is directly exempted from the annual fee. If you have a certain number of times or brush a certain amount, you can exempt the annual fee for the next year. Therefore, friends and friends must figure out the rules of their credit card, otherwise they will forget to pay the annual fee. Overdue will not be worth the loss.
3. Double charge for credit card withdrawal?
Many banks' credit card withdrawals have additional points, including fees and interest.
At the moment of withdrawal, the bank will charge a handling fee immediately. From the date of withdrawal, the bank will also charge interest on a daily basis. Generally, the interest of five tenths of a million is calculated per day according to the withdrawal amount, and it is known that the principal interest fee is paid off.
Therefore, the other side reminds friends and friends how to use the money and do not directly withdraw cash. The handling fee is too high. It is not cost-effective. Many people do not dare to use credit cards because they do not use credit cards for more than 50 days of interest-free period, which causes high Amount owed. At the end of the article, the other side will attach the interest-free period of each bank, and friends and friends will pay attention.
4. Is the minimum repayment amount, and the bank will receive interest every day?
Sometimes people choose the minimum repayment when they can't pay off their credit card bills at one time. After you have paid off the minimum repayment amount in the current month, all the current consumption will be charged on the full amount from the accounting date, and the daily interest rate will be five tenths of a day.
That is to say, before the payment of all the arrears, the bank will be given interest every day. Therefore, in this interest-income mode, many generation agencies have been created, that is, when the low fee is paid, the interest-free period is forcibly extended.
5. What is the excess fee?
When a lot of credit cards give you a fixed amount, the amount of spending you can use will be slightly more than a fixed amount. For example, if your fixed amount is 10,000 yuan, then your consumable amount may be 11,000 yuan, depending on the mood of the bank.
In general, the consumable amount is 110% of the fixed amount.
When you use an amount that exceeds 10% of the fixed amount, the bank will charge a certain overrun fee, which is generally 5% of the fixed amount.
Such a high handling fee is not a last resort, and the other side advises friends and friends not to use it.
6. Losing a credit card also requires a double charge?
Losing a credit card, generally paying a loss of 20 yuan to 80 yuan, and paying the card fee when you reissue the credit card, so friends should protect your card, don't lose it.
7. What time is the most cost-effective repayment?
Credit cards have a repayment date, which is the so-called deadline. Before this time, you can repay the loan. If you pay back the credit card a long time in advance, there is no difference with the use of the savings card.
However, it is not possible to repay the loan on the last repayment date. Once the day cannot be received, it will be overdue, and it will be tragedy.
8. The more credit cards, the better?
In fact, this is not very important, but you must clearly remember the repayment date of each card, and many card activation will start to generate costs, and even some cards will not generate an annual fee. When each card is repaid, and when is it enough to use the annual fee, if you don't know it, it will cause overdue, unnecessary expenses, and even affect the credit. If it is not deliberately overdue, or if it is only over a few days, it must be called to the bank to explain the reason for the overdue, in case it is included in the credit. As for what to say, anyway, it is not an objective factor that causes no repayment.
Therefore, if friends and friends have too many credit cards, it is better to download a special credit card management software, which is more worry-free.
Attach the interest-free period of the major banks:
Banks with the longest interest-free period of 50 days: Bank of China, China Construction Bank, CITIC, China Merchants Bank, the vast majority, industry, people's livelihood, peace
The bank with the longest interest-free period of 56 days: ICBC, Agricultural Bank of China, Bank of Communications, China
If you want to get a longer interest-free period, such as extending to a long 111-day interest-free period, you have to use a little brain. If there are friends who want to know, you can pay attention to the small series, the small series will be unified in the way, the operation steps will be sent to everyone in the form of documents.
Finally, please friends and friends, raise your hands, click on the attention, maybe some days of small articles can give unexpected surprises to friends.
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