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The author:(作者)qq
published in(发表于) 2015/6/6 7:32:21
Signature card is fraudulent do? Credit card rules big revelation,

Signature card is fraudulent do? How it works-credit card credit card hidden rules-IT information

While credit card brings consumer convenience in advance, and many people still do not have paid off debts.

Credit cards has become many people's habits, credit card now accepted by more and more people, you think you know the credit card, but not actually, hidden credit card rules usually impossible, sometimes there will be a text message, "due to the amount of statistical failure, automatic deduction to fail" farce. Why can't pay credit card debt come from? Here's a check, credit card repayment rules that cheating.

Rule one: credit card automatically debits ≠ final repayment date

Shaw on the final repayment date found that debit card balances in full and not in repayment, so work quickly by online bank transfer from other bank card to debit card. Mr Shaw thinks repayment should be no problem, but this month's bills show last month, he has not repaid it, and deducted penalty interest and late fees, also on his credit record.

Binding is automatically associated debit card and credit card repayments is not can rest easy. Banks to credit card automatic payment remit account time is not consistent. A banking site has information: Association automatic payment service requires users to tip to the bill payment due date and see if the account balance is sufficient, if the account balance is low, the account balance will be deducted to "0", without filling in the rest button, user payments into credit card accounts on their own. Shaw in the final repayment date of cash deposited into the debit card in full, why do we still failed to fully repay it?

According to the xingke clothing introduced, and at the counter or ATM of arrears is different, through the associated account to pay debts, Bank's automatic debit time earlier. If through an ATM or counters for the repayment, then remit account settlement is the last point at 24 o'clock, but if the associated automatic payment, due to settlement requirements often remit account at 5 o'clock in the afternoon of the final repayment date. Thus, while Shaw in the final repayment date of cash deposited into the debit card in full, but because more than 5 o'clock in the afternoon, not automatic payment successful, banks will charge penalty interest for its not repaid.

Another joint-stock commercial bank credit card Center, said because of "banking system for batch processing time is not necessarily" credit card automatic payment remit account time is difficult to predict, and deposit debit cards in the final repayment day guaranteed payment was not successful. Customer service recommends that users who use automatic payment in advance to view their account balance is sufficient, and in the last 2 to 3 days prior to the date of repayment in full funding, otherwise is likely to lead to automatic payment failure.

Rule two: do credit card remote credit card must be free of charge?

In General, credit card free, but Bank remote services charge more for different provisions of the rules, especially credit card abroad. So before the card, be sure to find out whether your credit card free, need to pay a fee for the service, to avoid unnecessary expenditures.

Rule three: staging high Apr credit card? Repayment may not be waived in advance fees

When we buy things on the Internet, sometimes also this installment directly, but often on account of higher prices, higher up is fee, wool from the sheep, so you can pay in installments to purchase items, it is best to calculate how much is the fee. Installment fee is not on the surface of the figure, for example, some banks, 12 instalment repayment rate is about 7.2%, at first sight is not very expensive. But you ignore the question, along with your monthly payments, your borrowing base was reduced, but the Bank is still under the original loan amount you calculate fees.

For example you spend 12,000 yuan, ordinary loans we need to repay by the end of 12000x (1-7.2%) = 12864 (assuming that the annual interest rate and the rate is 7.2%), stage 12 months, the monthly principal and a handling fee of 12000x7.2%/12=72 Yuan 1000 Yuan. But after funds are segmented in phases, the first phase of funding, we actually use only a month, phase II funding also uses only two months, and each month we pay the fees are in accordance with 7.2% of measured interest rate. In summary, this 12,000 yuan 12 monthly instalments of real interest rates were much higher than we thought. According to analysts estimates, the actual annual interest rate as high as 22.34%.

In addition, credit card repayment early repayment, not necessarily free of charge. When cardholders feel pressure on current payments, most would choose the repayment. Installment credit usually have fees charged in two ways: a one-time payment, which consumers Bill as well as the first staging fees once paid; the monthly payment, that is, fees paid along with the monthly instalments.

Many banks charge a fee for one-time, even later early repayment or refund. While phased, remaining period of prepayment to a one-time reimbursement fees in stages. Therefore, consumers must note the contract on account of fees charged.

Rule four: only the "minimum payment" will also affect credit

Friends between aripiprazole and his wife decided to buy a peri-urban area of about 120 square meters of the House, go to the Bank for prime rate loans, only to be rejected. Bank credit manager told Abilify, Abilify cookbook in credit records and found some problems, caused the State to not enjoy preferential interest rates are less likely to even apply for a loan.

Exactly what is the problem? Is it because Abilify couples already own a House? But the House is more than 40 square meters, according to the provisions of this House belongs to the improved home buyers, are fully qualified to 70 percent discount on purchase rates! Credit Manager to explain to Abilify, the problem is not from here, but his credit card records. Bank credit manager goes on to explain consumer records and no records of overdue State, but records show that Abilify per issue are selected according to "minimum payment" payment, although this will not affect the personal credit of Abilify, but each month the rest of overdrafts is the need to pay interest, over the past few years this overdraft interest is not a small sum.

Abilify no way, or call the credit card Center, request to change the method of repayment. Only then did he understand why credit card for many years, his credit limit is always up, even overdraft company started working children is higher than his reason. He chose the "minimum payment" means.

"The ' minimum payment ' isn't a Bank (information Forum) set a repayment method? Card candidate for this way of payment is wrong? "State question. He felt that banks alone "minimum payment" method of repayment, to judge a person's ability to repay is too arbitrary, and if so, why Bank will also establish such repayment to holders to choose?

"Banks don't always tell you, like I do every year to give them a lot of interest income cardholders, is the quality of their clients? "He felt like falling into the Bank's" trap. "

Rule five: improve the provisional amount, adjustment period the amount banks charge fees?

Holidays are a good time to boost consumption, the cardholder may be willing to temporarily increase the credit limit, and some banks even as the cardholder a temporary increase lines. If consumers think banks in the context of temporary limits does not pay, it would be a mistake.

Bank credit card temporary limit adjustment period can enjoy interest-free, but there are temporary the Bank lines there is no interest free period, cannot enjoy interest-free. When cardholders know that myself after a temporary increase in credit limit, should reference the first time, ask about details.

Rule six: the signature card be fraudulent without payment? NO!

All along, the thinking of credit card holders, with consumer cards such as the signature are fraudulent, can prove that is not signed by cardholders, would not have to bear the risk of this fraudulent funds. That's not what happened, this is fraudulent funds, is likely to be the cardholder's own risk. Conclusion contrary to this Bank's publicity, questioned by the cardholder. Signature cards are fraudulent to loan repayments.

Many public worried, credit card by signature consumption easy was stolen brush, but support by signature consumption of Bank in publicity promotion Shi, to people feel is: by password if in loss Qian was stolen brush, holding card people risk since Dan; and select by signature consumption of card was stolen brush, as can proved not holding card people I signature of, is by bank or merchant is responsible for compensation. But it's not the truth, journalists found that by signing consumer credit card is fraudulent, in addition to providing protection for loss of the Bank, said most of the banks, Bank assist cardholders only with businesses in consultation, if the tenants refused to pay compensation, which are fraudulent funds was borne by the cardholder.

Bank credit card Center, said cardholders when discover card loss or unauthorized use of card funding, it is best to first bank to report the loss, report the card after the effective date shall no longer bear the report for posing, theft losses. Difference is, if you report the loss before being fraudulent, card holders will face different fates. If there is a guarantee for loss, bank certified and to settle claims by insurance companies, were borne by the insurance company by fraudulent funds. Banks report the time is different. Most banks are guaranteed within 48 hours for loss, few banks are guaranteed within 72 hours for loss. At present provide protection for loss of Bank, China Merchants Bank, guangfa, China Everbright, China, Beijing, ping an, East China.

For failing to provide protection for loss and consumer credit card with signature, prior to the loss were fraudulent, most banks require the cardholder to fill in relevant information to police banks assist cardholders and business negotiations to solve problems for financial losses. But the Bank also stressed that if negotiations are not successful, the loss shall be borne by the cardholder. At present, ICBC, agricultural Bank of China, Bank of China, China Construction Bank, Shanghai Pudong development, CITIC, and Shenzhen Development Bank does not provide protection for loss.

Rule seven: If you think the bank counter auditing payments can be done, then you're wrong

Bank card late payments, do not press the bank counters to identify outstanding pay, or you may not have to pay off all debts on the back of vague interest.

Case study: busy, Madam Lau in credit card payments due to banks for more than 10 days after the date of repayment. "Not being sure how much bad Bank, I pay the amount owed at the bank counter queries before his. "Liu said he followed by the counter query owed money in a credit card, but don't want to receive bank statements yesterday on display still dozens of bank interest. "I have the amount banks pay off credit card debts, and not consumer credit card, how can also owe dozens of? "Liu is very puzzling. Liu telephone the credit card customer service hotline. Other explanations: the cardholder when late payments, bank counters query on the amount of principal owed, excluding interest, repayment by this amount, still not repaid it and generate interest. She suggested that, in this case, the cardholder may be appropriate to deposit cash, or check collection letter people, query the total amount of principal and interest, and then pay.

Rule eight: associated debit card can also credit cards in foreign currency foreign currency debts?

Case study: RMB and Euro dual currency credit card, opened from debit cards, automatic payment to the credit card function. Euro in the Bank and use a debit card or credit card bills in the euro, but buying euro payments with debit card in a currency, why is that?

If the person using two accounts with debit cards, both renminbi and foreign currencies, the counter automatically signed repayment agreements, choose automatic payment in foreign currency should be about the book, or it will automatically purchase payments. Many banks automatically default for automatic payment in foreign currency foreign exchange purchase priority, if the card is not filled in agreement with the relevant information, that even with foreign exchange accounts do not automatically "pay" credit card debts in foreign currency.








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