光大银行提示信用卡用户 办理应谨慎 消费要适度

　　China Everbright Bank credit card user management should be cautious that consumption in moderation

　　In order to better play the positive value of credit card, the cardholder perspective, recently, China Everbright Bank Zhengzhou branch of the relevant responsible person said card used in applying for a credit card or a process, should follow the "management should be cautious, consumption should be moderate" principle, reasonable to do card, card.

　　In recent years, as a new financial means of payment, the domestic credit card penetration is increasing continuously, the overdraft consumption, interest free repayment, integral plan and a series of value-added services, very much in line with the value pursuit of modern people, the effective increase liquidity, better benefit the customer to control consumer rhythm fields are playing an increasingly important role of the position. But from another perspective, because the relevant laws and regulations are yet to be further improved, and the part of the cardholder on the credit card is lack of understanding, resulting in the credit card business also show some negative effect. Therefore "management should be cautious, consumption began to highlight the necessity of".

　　First of all, from the careful perspective, customer's credit card to the bank the formal channels of legal handle, no personal information will be delivered by others to do, can not be false identity fraud bank credit card. Channel compliance, disclosure of personal information, authenticity and provide jobs, that financial documents are likely to affect customers personal credit records, if the circumstances are serious and may violate the criminal law; the card also suggests the cardholder as far as possible to confirm the use of higher safety coefficient, compliance with the card, can not be the credit card by others, not illegal cash.

　　At present, for change, personal work and income financial concept deviation factors cardholder may, having a small part of problems such as illegal cash and so on, has been highly valued by the relevant state departments, such as the Supreme People's court in October 12, 2009 1475th meeting of the judicial committee of the Supreme People's Procuratorate, in November 12, 2009 eleventh procuratorial committee twenty-second conference through "for the hindrance credit card management criminal case concrete application law interpretation of several issues" on the "illegal cash" were clearly.

　　Secondly, from the perspective of moderate consumption, can not do without control card, can not do without control card, demand has out. Too much credit card will bring inconvenience to their management to the cardholder, such as different credit card repayment time is not the same, with the card to confirm in different ways and so on, but also some credit cards do not have a password, if lost will be fraud risk; in addition, should not use credit card overdraft do financial. Before, once heard of some financial master with multiple credit cards "flippers" financial legend, in fact, credit cards and money tied together is not accurate enough. Credit card is essentially a financial means of payment, is used for consumption. If the credit card consumption in advance, delay payment functions to use and to alleviate the financial pressure is possible, but because the credit card repayment period of only 50 days, so a short period of time the funds can bring benefits must also be co.. Moreover, we should advocate a healthy financial management concepts, financial management must have earn and lose money, for financial use borrowed money, earn fortunately, if the compensation is one disaster after another, bring greater repayment pressure to yourself, if so give yourself a bad credit record, will affect the business of personal loans, car loan, enterprise annuity management, it obviously more the loss outweighs the gain.; in addition, we suggest that the cardholder in the rational use of credit cards at the same time, as far as possible at the same time bound corresponding bank debit card automatic association of repayment, save each month special run bank repayment at the same time, nature also can avoid forget repayment embarrassment. Such "Sun Everbright Bank loan one card", the card itself contains a credit card and debit card accounts, payment due date can automatically transfer the repayment, very convenient and practical.

　　The Everbright Bank responsible person said, every new things to promote the process, will inevitably encounter various problems, the credit card is no exception, and this requires us to the cardholder, merchant, POS banks and regulators and other multi-party interaction, common compliance, just use the card, as a rule, to maintain good our common social financial payment order in the market, so as to play a positive value of credit card.

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