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Here's what I know:
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1)那个利率高的可以达到15%,reception给我讲是 我用信用卡是向银行贷款花钱,不管我自己存折上是否有足够的存款,所以每次花钱,银行都要收我的利息。这样是不是说我明明自己有钱,仅仅用一下信用卡,每次都要付比价格高百分之几甚至10*的利率? - if you pay the minimum balance by due date(see your statement), the financial charge will apply yet if you pay the full balance, no financial charge.
2)还款期限,是不是说我花了一定数(这个数根透支额有关么)的钱后,还要定期去银行办理还款?这样岂不太麻烦了。每个一两个月就要跑银行,否则是不是就要多付利息或者罚金? see above. I've linked my credict card to my bank account so the full balance will be deducted from my bank account on the due date (I will still get the statement each month from the credit card company). The advantage of using autopay or direct debit is to save time and avoid overdue.
3)信用卡可不可以限制一段时间内的消费额度?我总觉得信用卡不够安全,没密码,只有签名,冒用后很麻烦啊。- it depends on your credit card policy. My (Citibank visa) has "0 liability" policy meaning that if my card was stolen, I will be responsible for nothing.
4)信用积分除了大家说的有什么机票、coles或者worthworth的优惠,还有哪些好处?比如在申请大额贷款方面。- I've used the card for 机票 only.
5)信用卡消费有无额外手续费?或者划卡次数限制? - it depends, I've never paid annual fee. |
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