10 rules for using a credit card
10 rules for using a credit card
In the life of every person there are times whenurgently need money. Money can be borrowed from relatives, but not all will agree to lend. You can apply for a loan from a bank, which can not be done quickly, as it takes time to collect all the references and wait for the bank's decision. A credit card, received in advance, will allow you to receive money when you need it. A few simple rules will help you to use it competently.
Instructions
1
When you receive a credit card at the bankconnect the Internet bank and the mobile banking service to the phone. You will receive SMS, and you will control the balance on your account, as well as all credit card transactions. With the help of an Internet bank, you can go to your account on the computer or on your phone and monitor your account. And if you go beyond the grace period, the Internet bank will help to keep the payment schedule for the loan.
2
To use the credit card in shops and in the terminal you will be issued an envelope with a pin-code. Do not write down the pin on the back of the card. Remember or write it in a place that is known only to you.
3
When shopping in the stores carefullywatch your card. The map should always be in front of you. Check if your card has been returned to you. When entering a pin code, cover the terminal with your hand from the eyes of others.
4
Buy only what you reallyis necessary. The presence of free money on the card increases the likelihood of making rash purchases. Always remember that the money you will need to return.
5
All credit cards have a grace period, during which you can use money without interest. Try to keep within this period and you will save your money.
6
When you leave the grace period, return the moneyit will be necessary already with interest. Strictly observe the schedule of payments on the loan. Return money not less than the minimum monthly payment. Do not forget that for late payment, a fine is charged for each day of delay.
7
When withdrawing cash in ATM, remember,that for this service take from 3 to 5 percent of the withdrawal amount. Grace period in this case does not work. This means that you took the loan and you will have to return the money with interest.
8
Do not give anyone a card for a while. Pay with a card in cafes and restaurants pay in person and do not let go with your card. Scammers, to withdraw money from your card, the pin code is not needed. Through the Internet you can withdraw money using your card number, the validity period of the card and the CVC code on the back of the card.
9
Do not use a credit card to make purchases online. Get another card. For this, a normal debit card is suitable.
10
If you lose your credit card, immediately call the toll-free number indicated on the card and lock the card. Record this number in your phone.
