If your credit card expires, will you send me a message?

You can also apply for a credit card after the deadline, which may not be successful. Generally speaking, the more overdue records, the more serious the overdue situation, and the lower the possibility that the bank credit card center allows the applicant to pass the examination and approval. Even if the application is successful, the credit card limit will be appropriately reduced.

Under normal circumstances, if one of the following circumstances occurs, the bank can also directly refuse the credit card application:

1. The repayment has been overdue for three consecutive months recently, or more than six times in one year.

2, overdue for three months, and overdue debts.

When a consumer applies for a credit card, a commercial bank will examine the applicant's qualifications, and pass the examination in terms of work unit, salary, bank flow and fixed assets. This is actually an assessment of one's financial situation. If the applicant does not meet the application conditions or the personal debt ratio is too high, it is difficult to pass the credit card approval. Even if it is barely passed, the credit card limit is often low. Therefore, it shows that the applicant who gets a high credit card has good repayment ability.

When using a credit card, the cardholder can spend a fixed amount every month just like the usual mobile phone payment or cash payment. Riding an ox and seeing a bear, I think that there is no need to deliberately consider the additional credit limit of the credit card, but it is "unavailable". However, when you usually pay by credit card, you will find that after several months, except for the operation of full repayment by credit card once a month, basically the expenditure has not changed much.

After a period of use, cardholders will also find that some shops can use credit cards to discount, and they can enjoy activities such as "three people traveling with one person free of charge", "half price on Friday" and "double points accumulated for consumption", and they can travel abroad without cash, even if they travel in many countries, they don't have to worry about the payment problem caused by currency inconsistency. Ride the bull and watch the bear to find some smart cardholders, and they will also invite their good friends to the shops designated by the credit card for dinner when they are invited to the party, which will also save a daily expense.

If the cardholder is afraid that the actual consumption amount will increase after using the credit card every month, he can consider using the bookkeeping function. Every consumption is recorded in the mobile APP account book, so that it can also be compared with last month's consumption, and at the same time, there is no fear that it will not be able to repay because of excessive consumption. Riding an ox and seeing a bear thinks that this can not only ensure the monthly plan of increasing income and reducing expenditure, but also avoid the situation of making ends meet.

Even in the process of use, there are expenditures on household appliances, decoration and other commodities, which makes it impossible to repay in full in the short term. Credit card repayment also has two kinds of delay functions: installment repayment and minimum repayment. Cardholders can delay repayment through this function, realize reasonable capital turnover while reasonably controlling their living income and expenditure, and it is also a better way to make use of the "gap" for living consumption.

Some consumers are still worried that their spending amount will gradually increase with the increase of credit card limit. At this time, they can also take the initiative to call the credit card customer service center and ask the customer service staff to help reduce the credit card limit. Riding an ox and watching a bear, I think it can be reduced to the range I can bear, so that I will feel more at ease when I consume in the future and my worries will disappear.