Proactively control the charges incurred, utilizing interest-free period and the incentive programs from the bank will help cardholders spend sensibly.
Currently owning a bank credit card, in addition to an annual fee to maintain the card annual pay, the cardholder may incur other fees as card reissue fee in case card is lost or damaged or needs to be reissued, cash withdrawal fee of 3-4% for each withdrawal depending on the policies of each bank charges, late payment penalty fee of 3-4% on the outstanding amount timely payment ...
However cardholder can fully active control of the charges incurred. If the strict control and each year the customer will only have to spend money for an annual fee depending on the issuing bank. For example in BIDV, cardholders usually have to pay an annual fee of 200,000 to a million, depending on the card type, calculate the daily fee of only 1,000 contracts. Not to mention if the card issuer customer promotions will be no annual fee the first year.
Another concern of people use credit cards as a problem in the Bank's interest rate 15-18% a year, a number of other banks from 20% upwards. This is relatively high compared with conventional consumer interest. But if you know how to balance the spending close statement period, not use the card to withdraw cash and to ensure full payment of all debts to the bank no later than the due date of payment, the customer is always advantage idle funds of banks that do not take a penny.
Use credit cards wisely for payment transactions for goods and services as well as scientific sparingly and effectively. It is important to note not to use credit cards for cash advances, always remember the date of maturity to promptly pay to banks and especially reasonable balance spending to avoid cost overruns.
Besides, cardholders should take advantage of promotions regularly capital banks are launched in order to encourage increased sales through card spending. Only 5 months of this year, the Bank has launched a series of promotions, such as explosive Summer 2015, Summer 2015 boisterous, refund the purchase by the Bank co-branded card Vietravel ...
Accordingly customer card issuance will be no annual fee the first year, to be reimbursed for the first transaction performing sales of as prescribed by the banking, ticketing and hotel reservations are highly discounted. Also the customer award program last lucky draw program also have the opportunity to receive the gift of travel vouchers up to a few tens of million ...
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