Fourth, the integral promotions deposit confused. Bank holidays are often a number of promotional activities conducted jointly with the business, such as credit card double points, so points for officiating. But in fact, "you pay for whatever." If the integral rules of credit card spending 1 dollar for each, corresponding to a point, even twice or 3 times the points, it is only spending shanghai escorta dollar, corresponding to two or three points. However, redemption of the gift, easily require thousands or even millions or more points. If consumers to redeem gift and unnecessary consumption, then the center of banking and merchant wants. Consumers through the "shopping" does not need to buy back a largewholesale wedding dresses number of consumer goods, while the value of the low points in exchange for gifts, have to bear the enormous pressure of repayment.

Fifth, no annual fee does not equal concessions. Many banks to advertise "no annual fee for credit card" of the concession, but in fact, most of the so-called no annual fee, but that from the time when for a year and the exemption from annual fees, or from the time from the process, eliminating the annual fee to the year 12 31. There are no annual fees so-called, is needed to reach a certain amount in current consumption, only remove the corresponding annual fee. However, if the number is not spending enough, or to pay the appropriate annual fee. So for some to listen to "no annual fee" propaganda, and a number of credit cards for consumers, should be considered to choose their own one to two credit cards to continue to use, and all the rest written off, or it may take annual fee of unnecessary costs.

Sixth, is high interest credit card withdrawal. In addition to consumer credit card overdraft feature, it also has a certain amount of withdrawals, which gives temporary cash urgently to provide the convenience prom dresses of users. But the point to note is that consumers enjoy the convenience, is the high interest costs in return. Bank set to take the credit card fee is standard, and its interest is much higher than interest on bank deposits. Therefore, consumers are using credit card withdrawal function of time, we must consider whether .

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