What should I do with useless credit cards? How did you say goodbye to slave life?

First of all, it's best not to use credit cards:

1. If you don't use a credit card, you are advised to apply for account cancellation directly, especially if there is no annual fee-free card. If it is not cancelled after use, the annual fee will be charged as usual, and the customer must repay it at that time. After the card is cancelled, the customer can cut the magnetic stripe/chip and throw it away; You can also temporarily save the collection.

Of course, it doesn't matter if the customer doesn't cancel the annual fee directly from the credit card. Anyway, there will be no charge, but customers must take good care of the cards to avoid accidental loss and security risks.

Second, if you want to bid farewell to Kanu, you should do the following:

1, according to their repayment ability, appropriate consumption. If you want to bid farewell to the life of Kanu, the first step is to make a detailed plan for your consumption. For example, the monthly salary is 5,000 yuan, excluding the rent 1500 yuan, and a meal at ordinary times 1500 yuan, and only the remaining 2,000 yuan is used for reasonable consumption, thus reducing the living requirements and naturally staying away from the life of Kanu.

2. Don't let extra cards become a burden. Secondly, if you have more than five credit cards in your hand, you can pay off what you don't owe or what you owe as soon as possible, and then cancel 2-3 cards selectively. You can also apply to the bank to reduce the credit card limit and control it within your affordability. When there is a large consumer demand, you can choose bank consumer loans for planned consumption and repayment.

3. Keep in mind the repayment date. Don't underestimate the repayment date. If the repayment is made during this period, it is a quality customer. If the repayment is more than one day, the credit record will be bad, which will generate extra interest and late fees. If you really can't remember the repayment date, it doesn't matter, you can write it down in your notebook, or you can set the final repayment date and repayment amount of your credit card on your mobile phone to prepare for repayment one week in advance.

4. Don't pay for things you can't afford. Credit card money, remember not to pay for things you can't afford! For example, buying a car, traveling abroad, investing in stocks, exercising, buying luxury goods, etc. Although it looks luxurious, only you know the hard days of repayment. If you really do this, then you are not far from the day of card slave.

Third, don't arbitrarily increase the quota.

The credit card has a high quota, which has a face, and it is also very hard to swipe the card, but it is inevitable that my heart will tremble when I repay it. The credit card limit is too high, and once it is stolen, the loss will be great, which is enough.

Fourth, it is fundamental to increase the sources of income and learn to restrain yourself at the same time. To really solve the pressure of credit card debt, the most fundamental solution is to find ways to increase your income. Only when your income can cover the credit card bill can you face it calmly. I suggest you overdraw your credit card as much as possible. Only when the consumption of credit cards is within your tolerance can credit cards exert their greatest value. To sum up, if your consumption control ability is not very good, you'd better not handle too many credit cards, because credit cards are used first and then returned. I don't feel anything when I swipe my card. Once you repay, you will be dumbfounded. You should spend rationally according to your actual economic situation.