Why didn't I get the credit card of Bank of Communications, but I received a dunning message?

I didn't apply for a bank of communications credit card, but I received a dunning message. Maybe the mobile phone number you are using now was left by someone else who applied for a card before, and it has not been cancelled, so you will get a call from the bank and it has not been updated.

Disadvantages of credit cards:

1, blind consumption:

Unlike paying cash, swiping a card is not a sum of money. I don't feel anything when I swipe my card. A few figures lead to blind consumption and spending money like water.

2. Excessive consumption:

Notebook staging, digital camera staging, smart phone staging, while enjoying your favorite items in advance, you should also consider that your salary may be just a drop in the bucket when you repay next month.

3. High interest:

If you can't take care of your credit card and can't repay it on time when the final repayment date comes, the bank will charge a certain interest fee to avoid greater risks.

4. Annual fee:

Credit cards basically have an annual fee, but they basically have an annual fee-free policy. For example, CCB can be exempted as long as it is brushed three times a year; On the contrary, the savings card has received a small fund management fee since 2006, and it has to pay one or twenty yuan a year.

5, stolen brush:

Credit cards are basically password-free by default, so when they are lost or stolen, they are easily stolen by others, causing unnecessary troubles or losses.

6. Affect personal credit records:

Long-term malicious arrears will affect personal credit records and even be blacklisted by banks. It will be difficult to buy a house and a car from a bank loan in the future.

7, repayment trouble:

Going to the bank every month is often overcrowded; In fact, as long as you have a savings card with online banking, you can repay the credit card for free without leaving home through the network.

Extended data:

Credit card repayment method:

1. Repayment by the issuing bank

Including issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. This should be regarded as the most direct and quickest repayment method. Generally, money can be credited on the same day, and the handling fee is free. This method is the best choice under the premise of pressing repayment time.

At present, most domestic banks support counter, ATM, online banking and automatic transfer. However, it should be pointed out that when cardholders transfer money through online banking, they need to open the online banking transfer function of debit cards; Automatic transfer needs to meet the condition of "current account with the same name", that is, the transferred debit card and the transferred credit card must be cards in the same bank name. Relatively speaking, this agreed repayment is also the most convenient way. However, the cardholder should pay attention to the balance of the current account used for repayment, so as to avoid the failure of automatic repayment due to insufficient balance and unnecessary overdraft interest and late payment fees. The most convenient way is to directly associate the salary card with the commonly used credit card. In addition, automatic repayment is usually divided into "minimum repayment" and "full repayment". If you don't want to be charged interest by the bank, and the balance of the account used for repayment is sufficient, it is best to set it to the full repayment mode.

Telephone banking repayment is limited to some banks that have opened the telephone repayment function, such as China Merchants Bank and Industrial Bank, and cardholders need to confirm in advance.

2. Repayment Method Third Party Repayment

At present, although the online banks of major banks have opened the inter-bank transfer business, they basically charge fees, which generally cannot be received in time. Using a third party to pay the repayment can completely solve the problems of charging and timely arrival. Compared with other repayment methods, third-party payment is the most convenient, economical and desirable.

3. Repayment method: Cross-bank remittance repayment

Inter-bank transfer or remittance repayment mainly includes inter-bank transfer in the same city and inter-bank transfer in different places. Either way, you need to pay a certain fee. The charging standard refers to the remittance charge of the bank. In addition, the arrival time of this method is relatively lagging behind, so cardholders should try not to use this method to repay unless absolutely necessary.