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各大银行纷纷推出一种与时代同步、跟国际接轨的信用卡——贷记卡。这种卡无须持卡人预先存入用金,消费者可以在银行给予持卡人的一定信用额内先消费、使未来钱,后再还款。由于贷记卡具有实惠、方便等优点,因而国际上普遍推行使用。若能掌握使用贷记卡一些窍门,就能使你获得更大的收益。 想方法用足免息期。一般来说,贷记卡都有免息还款期。如中国工商银行推出的牡丹贷记卡,持卡人可以享受最短25天,最长56天的免透支利息待遇。免息期是指贷款日(银行记账日)至到期还款日之间的一段时间,因为客户刷卡消费的时间有先有后,所以所享有的免息期长短不同。此如,牡丹贷记卡的记账月为每月1日,实际免息期为25天,所以到期还款日为每月25日。也就是说,如果您是1月31日刷的卡,那么到2月25日为止,您享有25天免息期;但如果你是1月1日刷的卡,那么同样到2月25日,你可以享有最长56天的免息期。掌握好刷卡时间,享受免息期越长越合算。 使用好贷记卡的循环额度。当透交了一定数额的
Major banks have launched a credit card - credit card with the times, with international standards. This kind of card does not require the cardholder to deposit the deposit in advance. Consumers can spend the credit in a certain amount given by the bank to the cardholder, so that the future money can be repayable. Since the credit card has the advantages of being affordable and convenient, it is widely used internationally. If you master some tips to use credit cards, you can make you get greater benefits. Think of ways to use full interest-free period. In general, credit cards have an interest-free repayment period. Such as the Industrial and Commercial Bank of China introduced Peony Credit Card, cardholders can enjoy the shortest 25 days, up to 56 days of non-payment of interest-free treatment. The interest-free period refers to the period between the loan date (bankbook date) and the due date of repayment, because the customer’s credit card spending time after the first, so enjoy the interest-free period of different lengths. This, for example, Peony credit card account month for each month, the actual interest-free period of 25 days, so the due repayment date of 25 days per month. In other words, if you are a card swiped January 31, you have a 25-day interest-free period until February 25; but if you swipe a card on January 1, the same will be until February 25 , You can enjoy a maximum 56-day interest-free period. Grasp the credit card time, enjoy longer interest-free more cost-effective. Use credit card cycle amount. When the transparent delivery of a certain amount