What should I do if the credit card is reminded of the card specification?

First, the credit card prompts to standardize the use of cards. Users must pay attention to the time, amount and merchants of credit cards. The best time to swipe your card is during the business hours of shops and shopping malls. Although there is no limit on credit card swiping, don't empty the credit card limit at one time.

Second, for merchants who swipe their cards, if there is code skipping when swiping cards, it is best not to spend in the merchants. As long as the user uses the card regularly and the bank detects that the user uses the card normally for a period of time, it will release the monitoring status of the user.

Precautions for credit card use:

1. After the Spring Festival credit card was swiped vigorously, some new charges such as over-limit charges appeared on the cardholder's bill. The so-called overrun fee refers to the extra overdraft given by the bank after the cardholder reaches the total overdraft of the credit card, which is generally 10% of the original overdraft. The advantages of this are: the cardholder does not need to temporarily apply for a higher quota or can't swipe his card; The disadvantage is that the cardholder has to pay 5% of the overdraft limit.

2. In order to avoid being charged by the bank, some cardholders turn to the bank to apply for a temporary increase in overdraft limit, the increase rate is mostly 10%-20%, and the term is usually 1 month. After the specified time, the credit card was restored to the original limit. Therefore, cardholders must remember the term of the temporary limit to avoid the phenomenon of overdue repayment of credit cards. In addition, we should also pay attention to the problem of temporary increase in over-limit: if overdraft is used in the second half of the month, it is likely that the excess will result in over-limit fees. For example, A's credit card overdraft is 50,000 yuan. 12 applied to the bank to increase the temporary line of RMB 30,000.00 yuan on February 20th, but it was not until June 30th of 15 that the RMB 30,000.00 yuan was used. By June 20th, 65438+, A's credit card overdraft was automatically reduced to 50,000 yuan, but in fact, A overdrawn 80,000 yuan in June of 65438+, and 30,000 yuan between them would generate 5% overrun fee. Therefore, before the credit card overdraft limit is automatically reduced to the original limit of 50,000 yuan, the cardholder should first return 30,000 yuan and control the outstanding amount within the overdraft limit of 50,000 yuan to avoid paying the overrun fee.

3. Students and others who have no economic income should not apply for credit cards easily. Even if you don't use a credit card, you have to bear the annual fee and other items. Credit card holders give up using their credit cards and return them in time, otherwise, the various expenses of credit cards and the interest and late fees incurred thereafter will lead to personal economic losses and credit reduction, and affect mortgage and car loans.