Industrial credit card collection told me that I only need to repay the principal, and I don't need to pay the rest. Is it true?/You don't say.

Hello, nothing in the collection is true. It is recommended that the bank customer service verify the situation. Admittedly, credit card debt is only to repay the principal. Now that you have paid it back and the bank has given you a settlement certificate, you can rest assured that the bank will not look for you in the future. Keep your certificate and repayment record for three months.

1. What are the main features of credit cards?

Pre-existing cash is not encouraged. You can enjoy an interest-free repayment period and can repay in installments (minimum repayment amount). Join international credit card organizations such as VISA, Master Card and JCB for global use. It is one of the fastest-growing financial services today, and it is an electronic currency that can replace the traditional cash circulation in a certain range. At the same time, it has two functions: payment and credit. Cardholders can use it to buy goods or enjoy services, and they can also get some loans from card issuers by using credit cards. It is a high-tech product integrating financial business and computer technology. Can reduce the use of cash currency. It can provide settlement services, facilitate shopping and consumption, and enhance the sense of security. It can simplify the collection procedure and save social labor. It can promote commodity sales and stimulate social demand.

2. What are the main advantages of credit card compared with savings card?

Compared with ordinary bank savings card, the most convenient way to use credit card is to make ordinary consumption without cash in the card. In many cases, it is enough to return the consumption amount on time. You can spend without deposit overdraft, and you can enjoy an interest-free period of 20-56 days, and repay the interest on time without charging any fees (most banks will charge 0.5% interest and 2% handling fee on the day of cash withdrawal, while ICBC will charge no handling fee, only interest). It is not only safe and convenient to swipe your card when shopping, but also an extra gift. Special merchants who hold cards in banks can enjoy discounts. Accumulate personal credit, add credit records to credit files, and benefit for life. National access is barrier-free, and you can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo; (Note: Credit cards are only suitable for credit card spending, and it is best not to withdraw cash, which is very expensive and uneconomical. Credit card consumption, some credit cards take existing points, and all kinds of discounts and lottery activities throughout the year will surprise you all the time as long as you use the card; Most credit cards have no points when paying online, but online shopping payment is very convenient and fast. ) Send the statement free of charge every month, so that you can master every consumption expenditure transparently. Nowadays, environmental protection is advocated, and paper statements can be changed into electronic statements. ) The unique supplementary card function is suitable for husband and wife to jointly manage their finances or master their children's financial expenses. The free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB. 400 telephone or 5-digit short number prefixed with "9" provides 24-hour service, and loss reporting takes effect immediately, with zero risk of card loss. Validity period: As we all know, the validity period of domestic credit cards is generally three or five years. Use the third-party platform (domestic platform supporting credit card bill management is mainly Jujindou) to conduct business cooperation and provide preferential services for cardholders.