Advance spending on bank loans, yes, this is our credit card. It brings us a lot of convenience, but how does it make money from us? Simply put, use interest, punishment, and restraint while trying to encourage you to spend as much as possible. The status of a credit card in our lives is somewhat hostile and friendly, and you need to see it more clearly. They are convinced that you will not always repay during the interest-free period. The profit brought by the credit card to the bank is very substantial, and the profit mainly comes from the interest, the late payment fee and the POS machine. In the income, five-thousandths of a day of interest is the key. A bank account manager said: "The late payment fee will only make customers feel resentful! After the general late payment of the late payment fee, 70% of the customers will cancel." The standard of late payment is 5%, which is a one-time payment, and the interest of one-tenth of a day is It is cyclical rolling, and the income from compound interest is often much higher than the late payment fee. If you repay the loan on time during the interest-free period, and you have to pay a sufficient amount or the number of times to avoid the annual fee, will the bank not make any money? A bank governor told reporters: "The cardholders will not always use the money during the interest-free period. There is always an urgent need. When there is urgent use and no money, either the payment is paid in installments or the late payment is not caused. In any case, banks are profitable." Therefore, it is only an ideal situation for customers to enjoy the interest-free period of the bank forever. You only need to swipe your card on the POS machine, and the bank will make money. Each merchant's credit card POS machine is a "site" for the bank credit card department to compete with each other. Because each time the customer spends the card, the POS machine under the bank name can bring a certain proportion of the account. Therefore, these merchants are resources that the credit card market sector is actively competing for. “When we negotiate with merchants, we will negotiate with the transfer rate faster than other banks as an attraction,†said a marketing department staff member at a credit card center. Although the consumption of POS machines will bring losses to the merchants, the consumption of credit cards as a trend still makes these merchants have to give money to the banks. Change the billing date to extend the interest-free period The "interest-free repayment period" of a credit card is not the credit card consumption date plus the absolute value of 50 days, but a floating change value of 20 to 50 days from the billing date to the repayment date according to consumption. The usual extension of the interest-free period is to spend on the second day of the billing day. For example, if your billing date is 23rd of each month and the repayment date is 5th of every month, then suppose you have a spending on March 24th, and its interest-free repayment period can be reached on May 5th. In this way, you can enjoy the "maximum interest-free period" of the most value. Moreover, many banks also provide services to change the billing date. A bank's customer service staff told reporters: "General banks will default the billing date and repayment date of a credit card to the customer, but the customer can actually pay the date according to their actual wages. To make adjustments, the bank will provide about nine date options, and the repayment date will be postponed according to a fixed time. However, it usually takes only half a year to change, because the bank also prevents malicious extension of the interest-free period by changing the date, and changes the bill. The day will also increase the workload of the bank." They will be wary of you cash out If you refill the Alipay twice, you will receive a confirmation call from the bank credit card customer service. This is because the credit card issuing bank can capture less than 1% of the abnormal transactions through the parameter engine, and then manually monitor the transaction behavior. Conduct an analysis and finally make an early warning. “The monitoring system is mainly for abnormal transactions that do not meet the normal consumption habits.†A public relations officer of a bank explained. These abnormal transactions, which are not in line with consumer habits, include the use of credit cards to cash out, in addition to criminals who steal credit cards. A credit card center risk department staff said: "If we use the monitoring system to find that a person has a large transaction on the second day of the billing day for several months, he has the suspicion of cashing." The China Banking Regulatory Commission and other departments have defined the "severe serious" credit card cash as illegal business. In the future, the cardholders may be credited to the personal credit information system, directly affecting their personal credit records. They prefer that you don’t pay in full There is a column on the bill that is “the minimum repayment amountâ€, which is usually 10% of the amount due, although the payment of the minimum repayment amount will not affect your credit history, but this will result in a daily interest rate of five tenths. Overdue repayments put banks at risk of generating bad debts, so their most welcome behavior is to repay the minimum repayment amount before the repayment date and then continue to pay interest. The longer you have to pay, the more banks will earn. At present, only a few banks' credit cards are outstanding, and most banks pay the full amount. The meaning of full repayment means that if you borrow 1001 yuan and return 1,000 yuan on the repayment date, only 1 yuan will not be paid. In the days that follow, the bank will still calculate the day with 100% of the 1001 yuan. interest. So don't think that you can relax your vigilance by paying most of your money. You may pay a high interest rate because of a fraction. The threshold for application is not all income and financial resources. “When applying for a credit card, the average person thinks that the stronger the financial proof provided, the higher the credit limit can be obtained. However, in fact, the two are not simple positive correlations. The credit card amount is calculated by the bank on the materials submitted by the applicant. Comprehensive assessment." A bank's public relations publicist told us. Some occupations can not do credit cards, such as waiters, all employees of the courier company, insurance salesmen, direct sales personnel, drivers, freelancers, and some are prohibited from entering the industry. Among the people who meet the entry criteria, the salesperson does not value the customer's income too much for performance reasons, but prefers those "sustainable" customers. Customers with fixed assets, married and children with a fixed asset will be more likely to get extra points. “Generally, our quality customers are mainly women, married, have a car, a local account, and are over 26 years old. These users are generally easy to apply and the amount is quite high.†"overdue" is also flexible "Overdue repayment" will leave a bad record. In general, two bad records may lead to mortgage loans. Although the bank's "overdue" rules are relatively rigid, and the late payment is "overdue", in fact, in order to better retain users, the credit card center also has some flexibility in dealing with "overdue", "we also Does not rule out special circumstances," said a credit card center account manager. "It is generally necessary to postpone the repayment of 1 to 2 days. It is best to notify the customer service first." Only the customer service has overdue records, as long as the money is returned in time, the record will be Will be written off. The staff of the customer service operation center said that even if it is overdue, explain to the customer service, as long as it is justifiable, such as not receiving the bill, or because some repayment channels are not real-time, the customer service staff will also put the bad record Off, but the premise is that time is dragging and not long. Failure to repay more than 3 months will be considered a malicious overdue. They welcome you to increase your quota If you are an active user of the credit card and the repayment is timely, the bank staff will even take the initiative to ask if you need to increase the amount. "The higher the amount, the more convenient the customer is to use, and to some extent, it can stimulate customers to spend their cards. Some customers can't correctly assess their consumption and income levels. If they don't make a payment, they will pay the bank in installments. Banks can also profit from it," said the bank's branch president. Some credit card centers stipulate that the use of 3 months can temporarily increase the amount, and the use of 6 months can formally increase the amount. However, if you have an overdraft limit of 30,000 yuan, but only 5,000 yuan a month, the bank does not think you need to increase the amount. "The amount is not the higher the better, it is better to control within two-thirds of the monthly income, so you can guarantee that you will still have to pay." The account manager who was a card slave told us his own experience. Passwordless credit cards are not necessarily secure Some people think that once a credit card is set up, the individual has the responsibility to keep the password. If it is stolen, at least half of the responsibility is for the individual, and the credit card without the password must be confirmed by the signature, and the responsibility for theft is at the merchant and the bank. For individuals, no password will bear less risk. But a staff member who works in the risk management department of the credit card center said: "The judicial authorities will intervene after the credit card is stolen, and they will determine the responsibility for specific reasons, rather than simply see if you have a secret card or no secret card. "" Generally speaking, after the loss of a password-free credit card, the amount of the stolen brush within 48 hours before the loss is reported will be directly compensated by the bank. But the burglary that does not occur within these 48 hours, the responsibility belongs to the merchant. When recovering the stolen amount, it is easy for you to dispute with the merchant whether the signature has been reviewed. Cancelled credit card will also cause trouble Credit cards can also have an impact on credit history if they are not fully written off. Especially when we have applied for too many credit cards, it is very likely that the bank will be classified as a malicious default due to the negligence of forgetting the repayment. “For a card with a bad record, even if it is paid off in one lump sum and immediately cancelled, the bad credit record on this card may still be retained on your personal credit report,†said a bank employee with many years of work experience. "And when the bank approves the loan, it will look at the customer's credit history for the last 3 to 6 months. If there is a failure in the personal credit report due to the previous negligence, it may cause unexpected losses to the customer. "It is safer to use this card with a bad credit record for half a year and then cancel it." Door Lever Handle Door Lever Handle,Long Backplate Door Handles,Door Lever,Lever Door Knobs JESSO HARDWARE , https://www.china-jesso.com
"You buy something for 100 yuan, use A bank's credit card to swipe, the store's POS machine is B bank, then, according to different goods, the merchant will sell a fee of about 1 yuan to 2.5 yuan, Bank A, Bank B and UnionPay uses a ratio of 7:2:1. This is a reason for cross-bank withdrawals," said a credit card account manager.
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