Credit card cold knowledge, do you know it all?

Credit card cold knowledge, do you know it all?

I believe most people know the most basic knowledge about credit cards, but did you know? Credit cards also have some cold knowledge that can easily be ignored by everyone, credit card payments processing now let's take a look together.
A credit card limit can be more than 1 million
I believe that now there are many people's credit card limit is only a few million, if to 100,000 that is already very good. But did you know that the best credit line of credit can reach more than 1 million, of course, this super-large credit card and personal qualifications and credit rating are inseparable, the higher the amount of both will naturally be higher.
Second, the longest interest-free period is not 56 days
We usually say that the longest interest-free period of credit cards is 56 days, in fact, this is not a strict statement, the reality of card swipe, the real interest-free period can reach more than 100 days.
First of all, the consumption during the waiting period for the bill settlement is counted in the next billing period, which is an additional interest-free period; in addition, if you apply for the bill date two days before the day of the bill, floor washing machine commercial it will add an additional 28 days of interest-free days.
Third, women's credit card application rate is higher than that of men
The application rate and approval rate of credit cards for women is slightly higher than that of men, and there are many special cards for women from major banks, such as the Guangfa Bank True Love Card and the Vipshop Card, which are launched for women, not only because women are a large consumer force, but also because women are more trustworthy than men, causing a low rate of bad debts to the bank.
Fourth, be wary of card gift "pit"
I believe that many friends will receive the so-called card gift, but in the card must know to receive this card gift is not a condition. For example, is it necessary to first brush, is it necessary to handle the installment, etc., do not go to the card for the gift of confusion.
Five, not activated may also deduct the annual fee
Not all cards are free of annual fees, of course some cards do not generate annual fees if they are not activated, but some banks charge annual fees for high-end cards even if they are not activated. Therefore, if you do not need the credit card, please cancel it in time.
Six, the amount of shared is not the same as repayment sharing
If you apply for multiple credit cards in the same bank, usually these limits are shared, and the maximum amount of 1 credit card limit shall prevail. However, the bill corresponding to each credit card is not shared, and we need to pay off the bill amount individually.
Seven, the back of the credit card hides your payment password
The 3-digit number on the back of your credit card at the signature bar is called the CCV security code, which is very important and must not be disclosed to the public.
When making network payments, you generally only need the card number, CCV code and expiration date to complete the payment, so these three numbers are equivalent to our payment password.
Eight, some "late payment" does not affect credit
The bank generally has a so-called grace period for repayments, that is, the number of days after the repayment date of the overdue grace period, usually 1-3 days, but at present, due to the national 2020 credit requirements of the financial institutions T +1 report credit situation, so this grace period we identified as 1 day, but of course, we still hope that you can pay on time to avoid overdue.
Related article reading:
The scope of application and use of floor scrubber
The new credit card rules are here! Know before you swipe your card
How many credit cards is the right number?


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