注册时间2011-1-4
积分418
金币350
贡献0
X币0
回帖14
主题54
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美国人怎么用信用卡?
信用卡作为代替现金支付的一种方式,在上世纪的美国已经开始普及。美国银行在其官网上列举了信用卡的诸多好处,宝宝们快来看看。
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Use it to stay on top of your day-to-day spending
用信用卡纪录日常开销
1/ Your credit card can help you keep track of your expenses. Save your receipts and check them against your monthly statement. Notify your credit card company right away if you spot any errors.
信用卡按月为用户提供账单,帮你记录日常开支,如果发现账单有任何出入,可以第一时间告诉银行纠正。
点评:
在国内也是如此,每消费一笔,银行都有短信通知,如果绑定微信,每笔都有微信通知,支付更加安全。
2/ If your credit card is missing or if you notice suspicious charges, call the number on your statement or the back of your card immediately. In most cases, you won’t be held responsible for any charges if your card or account number has been stolen.
如果发现有任何可疑的消费记录,可以马上致电银行,声明不是你的操作,多数时候,你不用为盗刷担负责任。
点评:
美国的信用卡多为无密支付,国内银行一般会建议你保留支付密码,这是由国内外银行的盗刷风险措施区别决定的,宝宝们在国内刷信用卡还是要设置密码更安全~
3/ If you have online access to your account and your credit card issuer offers optional security alerts, sign up to be automatically notified of any unusual activity on your account.
在线登陆信用卡账户,在注册时要选择自动接收信用卡账户任何不寻常变动的安全警告。
点评:
账户异常自动通知国内是默认的~
4/ Check with your credit card issuer about damage protection.Some credit cards provide protection if you buy merchandise that turns out to be defective.
有的信用卡提供商品破损保护。
点评:
貌似国内没有这一项。
5/ Many credit card companies offer payment due date reminders. Sign up for these reminders to avoid being charged a late fee.
设置还款逾期提醒,按时还上信用卡不被收利息。
点评:
国内的还款提醒做的不好,不少银行是还款日之前7-10天左右提醒一次,3天内提醒不多,容易因为忘记还款导致逾期。
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Use it to build your credit history
建立信用历史
One of the main advantages of having a credit card is that it can have a positive effect on your credit score when you use it wisely. By using your credit card regularly and making your monthly payments on time, you can build a solid credit history that tells potential lenders you can be trusted.
信用卡最大的好处就是可以按月帮助你建立信用历史,没有好的信用几乎寸步难行。
点评:
人民银行的征信报告用的地方已经非常多,信用体系会逐渐往美国的方向靠,不累计好信用,生活方方面面都会受限制。
后台收到很多宝宝问如何查自己的信用?很简单,微信号「好认信」对接了央行征信报告,关注就可以查。
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Use it to save money
省钱
When you consistently pay your bill on time, you can improve your credit score. With a higher credit score, you may qualify for low-interest rates on mortgages, cars and other big-ticket items down the road, which could save you money.
如果按时还款,信用分就会不断提高,房贷、车贷等贷款,银行利息就给的少,省钱。
点评:
信用好,银行给的贷款利息就更低,这就是风险定价。
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Use it to get rewards
各种活动优惠
Depending on your card, you can earn a variety of rewards, including:
Cash back on everyday purchases, including gas and groceriesAirline miles that can be redeemed for trips or to purchase trips at a discount.
根据你的信用卡类型,你可以获得非常多的优惠,包括加油、航空里程累积,优惠购机票等。
点评:
信用卡吃喝玩乐打折到处都有,积分还可以免费兑换航空里程、兑5星级酒店住宿,用好信用卡,省下的钱,可能比一年理财收益还高。
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Use it for peace of mind when traveling
旅行时更安心
Some credit cards offer benefits such as travel and emergency assistance or other travel-related features. Check with your card to see what travel advantages are available.
在旅行的时候,一些信用卡提供紧急服务,比如航空延误赔偿,免费的紧急医疗救助服务,这些可以让你更加舒心安心。
点评:
白金卡的延误赔偿还是蛮惊人的。比如浦发ae白每延误4小时赔付500元,封顶5000元,经常出行的人,非常实用。 |
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