Minefield 1 overdraft cash withdrawal（雷区1透支取现）

Minefield 1 overdraft cash withdrawal（雷区1透支取现） Minefield 1 overdraft cash withdrawal(雷区1透支取现) Journal Previous article Next article | back log list [translate] explain the credit card, use the eight minefields, copy the address, the log address: Please copy it with Ctrl+C and paste it to your friend. share Reprinted from Shuai, 2010, 08, 06, 19:09, read (0) comments (0) categories: perception of heaven and earth authority: public Font: big so small in the big size set top more permissions to delete the log log recommended private editor Minefield 1: overdraft cash withdrawal Case: "my credit card overdraft is 200 yuan, but it has just been overdrawn for 5 days, and it has generated 0.3 yuan interest."." Mr. James, who has just applied for a credit card, is a bit confused because he has heard that credit cards have interest free periods. Analysis: overdraft is different from overdraft consumption, it is no interest free period, from the day of withdrawals, the next day will produce 5/10000 per day interest. Some banks do not calculate compound interest, such as people's livelihood; some banks, such as ICBC, calculate interest on compound interest. In addition to interest, overdraft charges also result in commission charges. Domestic banks have different regulations on cash collection fees, ranging from 1%~3% and minimum charge. Such as China Merchants Bank domestic fee for the withdrawal amount is 1%, the lowest 10 yuan each; ICBC City local cash withdrawal fee free, take our places now charge 1% fee (ATM minimum 2 yuan, up 100 yuan; at the lowest 1 yuan, highest 100 yuan). Pudong Development's domestic acquisition fee is 3%, the minimum 30 yuan. People's livelihood overdraft fees are lower, the bank counters and ATM machine fee is 0.5%, the minimum 1 yuan. In addition, if the cardholder has not paid off the overdraft on the last day of repayment, the minimum amount of cash paid (10% of the amount due) will be subject to a late payment (5% of the outstanding portion of the original amount). Minefield 2: out of bounds Case: Miss Yu housewarming last month, in order to purchase new products, she frequently use the hands of two credit cards for consumption. A few days ago, she received one of the credit card bills, found that in a series of overdue items, there is a column that says "Transfinite fees", marked 43 yuan of arrears. Ms. Yu called the bank was informed that the total amount of consumption of more than the amount of credit cards granted by banks nearly 1000 yuan, to charge fees. Case: Mr. Qian's credit limit was 10 thousand yuan. During the "eleven" period, he took his family to Hangzhou for travel, so he applied to the issuing bank for an additional 5000 yuan. He brushed off 14420 dollars in a few days. By the day of the repayment, he chose the minimum repayment because his money was tight. According to the minimum repayment amount for 10% of the amount of consumption, he only paid 1500 yuan. Did not expect that when the bill came this month, even more than a sum of 196 yuan overrun fees. Analysis: many cardholders think that as long as the card can brush, there will be no more than the amount. In fact, within 10% of the limit of the amount of credit cards can be successfully completed, and the bank usually does not remind cardholders beyond limits. Some banks have stipulated that if the amount of the excess is not paid off before the day of the account, 5% of the overrun fees will be charged. Some banks, such as people's livelihood, stipulates that as long as exceed the limit, you should charge 3% (minimum 10 yuan) overrun fees. Some cardholders will apply to the bank to raise their quota before they are expected to exceed the limit, but this is not foolproof. Transfinite parts should not only pay overrun fees, but also do not enjoy interest free repayment and minimum repayment, the need to pay a one-time payment in the Qing dynasty. Mr. Qian's credit limit was 10 thousand yuan, 14000 yuan brush off, he should have the minimum reduction limit of 10%, which is 1000 yuan, plus more than 4420 yuan of credit, totaling 5420 yuan, but he also only 1500 yuan, the remaining 3920 yuan had overrun fee, according to yet 5% of the amount of the penalty ratio, a total of 196 yuan. Minefield 3: no card no secret deal Case: Mr. Yi recently paid for goods purchased on a website with a credit card. According to the website credit card payment request, he opens the work telephone number of this website, the website staff inquired the credit card number, the validity period. Later, the phone was transferred to the automatic payment platform, according to the computer prompt, He entered the credit card's last three and its validity. Subsequently, the staff informed him of the success of the payment. Two days later, he received the goods sent by the courier. He felt a little scared: "my credit card when the password is set, why shopping actually only need the card number and expiration date to complete the payment. If a credit card is found or lost by someone else, then anyone can pay by credit card. Who will be responsible for such a loss?" Analysis: Mr. Yi is actually taking "no magnetic, no secret" transactions, the current domestic payment of this approach is limited to the purchase of air tickets, hotels, rooms and other real name system of goods. When the cardholder pays, he is usually asked to enter the credit card number and the three digits behind it. At the same time, he is also asked for details such as identity card number, card validity period, cell phone number and so on. After the payment is successful, the bank will send text messages to customers, telling you when and where to brush the amount of money. Because domestic tickets are real name system, the use of "no magnetic, no secret" transactions, steal other people's credit card, it is easy to find out, and booking tickets can not be fraudulent use. But if the Internet or television shopping, also by telephone to pay the credit card, it may cause problems, because these institutional review may not be too strict, if others know your card number and after three yards, then he may be able to use your credit card. Bank card experts remind the cardholder to pay attention to the credit card information and identity information confidential, not easily, especially on the back of the card after three yards - three digits in the back of the credit card on the back of the four card number, because each customer holds the same credit card are the only "after three yards, and credit card number constitute credit card" double insurance ", even if the criminals steal credit card numbers, but as long as he does not know this" after three ", he is not your credit card stolen brush. Because the credit card back after three yards without magnetic location, customers get a credit card, can use a knife to gently put the three numbers or scrape, pen number will obliterate, his heart to remember this number on the line. Minefield 4: overflow payments Case: Mr. Wang brush credit card shopping, merchants refund 8 yuan for some reason. To the repayment date, he inquires the net 8 yuan has arrived at the account, then less also 8 yuan. But then he checked out the bill, but found out more than a dollar interest. He wondered why he had paid more than he had paid off He called to consult customer service before he knew it was the $8. Although 8 yuan has been returned to the account, but can not be used for repayment of the month, which means that he was less than 8 yuan. Analysis: in the case of refund or refund, it is better to ignore the refund and pay off all the amount of credit card purchases. China Merchants Bank regulations, if the purchase of 1000 yuan of goods need to return, we must first pay off the credit card, and until the bill came out, businesses and then refund. If the refund is successful, the bank will return the 1000 yuan to your credit card account, and this 1000 yuan becomes the book overflow payment. If you do not remove the overflow payment of 1000 yuan, you can wash out the day after the consumer credit card; if you want to remove this 1000 yuan, it is necessary to pay the fee. China Merchants Bank Commission is 5% of the amount of money taken out. Minimum 5 yuan, the highest 50 yuan. Some banks in the bank to take over contributions are free of charge, such as GF, people's livelihood. Another example is the Shanghai Pudong development, extraction of free overflow payment on the counter, but the other way to get through the ATM overflow, then charge 3% fee; ICBC provides that the city of our extraction overflow free places to collect fees of 1%. Bank card experts suggest that cardholders do not easily deposit money on credit cards, and do not easily extract excessive payment, unless you need to empty your account before you sell your card. The consensus in the banking industry is to digest as much of the money as possible in the later stages of consumption. Minefield 5: annual fee Case: Kobayashi is a hundred-percent "card", her love of various card face design exquisite credit card, plus not small gift temptation, You have applied for as many as ten credit cards. But a year later, this collection of hobbies caused her a lot of trouble. Since the vast majority of banks are required to brush within a year enough or how much money in order to avoid annual fees, in a year later, she was close to 10 sleeping cards were charged nearly 1000 yuan annual fee. By contrast, Mr. Li is more guilty". Recently, he took a fancy to a house and was going to buy an investment, but the bank that handled the loan told him that the loan approval had not been approved because he had a serious overdue record. After Mr. Li inquired about his credit report, he realized that the chief culprit was a credit card that had just been worked collectively. It was already four or five years old, and it was not activated at that time. In accordance with the provisions of the time, the card is not activated, but also from the following year to start annual fees. Because he did not write off, arrears of juvenile fees, so that affected the credit record. Here's a reminder for the cardholder: if you have several credit cards in your wallet, please swipe at least once a quarter to keep them active. If you do not use for a long time, you'd better cancel it. At present, most domestic banks in addition to a small number of high-end cards charge an annual fee of about 200 yuan ~3600 yuan, many ordinary credit card in the first year annual fee, annual fee, as long as the next year before the specified number of times or the bank brush enough amount of free annual fee. Some banks, the new card is not activated without charge, such as GF, China Merchants Bank, ICBC, the livelihood of the people, but some kind of ordinary card some banks even if not activated, will be charged the occupation fee card at the time, such as the Shanghai Pudong Development Bank (market shares) WOW card, a one-time charge of 155 yuan fee. Minefield 6: card loss protection Case: Miss Li has 6 credit cards, and the overdraft amount of each card is more than 10 thousand yuan. One day, Miss Li and his husband left their wallet in a private car and went to a restaurant to eat. After that, the car window was smashed and 6 credit cards were stolen together with their wallets. Miss Li, after calling the police, immediately called 6 banks to report the loss. Unfortunately, six credit cards have been stolen totaling 110 thousand yuan. Loss of credit cards may cause loss of loss to cardholders, and claims are not always so easy. At present, some banks offer security card for 48 hours or 72 hours before reporting the loss loss occurred during this period, I can not bear the loss of basic, but some can not get compensation, mainly concentrated in the transaction with a password fraudulent cannot claim (including cash), the time is around family or staff (such as a nanny can not claim falsely). There are also some banks, loss of cards before the loss of all losses are borne by the cardholder, such as Pudong development, livelihood. And ICBC is currently only in Shenzhen to provide no password transactions fraudulent claims service, the rest of the country no matter whether there is password trading or no password transaction card lost, can not claim. If the credit card is lost, you should call the customer service hotline immediately to report the loss, and then report the loss to the issuing organ in time, and freeze the funds in the card in time. At the same time, when using credit card payment, do not leave the card out of sight, to prevent the card magnetic stripe information stolen record. Minefield 7: installment payments Installment payment is a modern means of spending ahead of time, but the fee is usually not saved when using a credit card installment. In some banks (for example, China Merchants Bank), installment payments are divided into two categories - store staging and billing installments, and the two approaches yield different levels of handling fees. The handling fee is paid in lump sum and cannot be refunded. When payment is made in 12 instalment, when the payment is made to the fifth issue, the cardholder pays all the remaining amount, but the bank will not refund the 7 commission. The bills are generally applicable to the consumption generated by the merchants who do not cooperate with the bank. After the bill is made, the installment payment is applied to the China Merchants Bank for two days before the due date of repayment. And the installments are different from time to time, and the handling fee is different. For example, China Merchants Bank Bills installment, if divided into 3 phases, the fee for the total amount of 2.6% installments; 6 for 4.2%; 12 for 7.2%. However, ICBC, Shanghai Pudong Development and other banks are mainly in the number of installments to collect fees. For example, ICBC, if there is no preferential activities, 3 for 1.65%, 6 for 3.6%, 9 for 5.4%, 12 for 7.2%. But stores in order to sell business, and in cooperation with banks, usually will not regularly provide installment payments, preferential policies, and sometimes even interest free. Minefield 8: PIN cards Case: Zitta credit card is about to expire, he called for the cancellation of customer service, Miss Yu to remind small cancellation after the commencement of the branch of bank card after the repayment of the remaining amount of extraction, apply for cancellation procedures. But because of a temporary business trip, Xiaoyu put this matter aside. Over half a year, Xiao Yu reminded the tens of dollars in the bank did not take, to check the business outlets, only to find the account of the money has been deducted part. Bank card experts remind that the cardholder in the process of cancellation of business, usually as long as the payment of arrears, telephone application cancellation effect. But if there is no balance in extraction, cancellation after the commencement of the cardholder should also go to the Bank branch to apply for cancellation procedures, the remaining amount of repayment after extraction. If you do not apply for cancellation procedures in a timely manner, some banks charge account management fees. The balance in the account may not be free. Such as China Merchants Bank set back after the cancellation of the balance, need to charge 5%. (minimum 5 yuan, up 50 yuan) fee; GDB offers 5 months free account management services, more than 5 months back in cash, you charge. Label the real estate credit card fee overrun detailed | minefield tag editor Label real estate minefield credit card transfinite charges detailed explanation Cancelled Font: big so small in the big size set top more permissions to delete the log log recommended private editor Share replication address, log address: Please copy it with Ctrl+C and paste it to your friend. 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