To challenge the terms of the Bank overlord, first learn the basic rules

Why does the credit card save money without interest?　　How much do you charge for your own money?　　Years in the financial circle, keen to explore new financial tools and opportunities. In daily life, credit card cardholders sometimes complain that banks are wrong, that's not right, and that banks can often easily defuse these complaints. This is because the cardholder is very unfamiliar with the rules of the credit card, after eating a loss and then complaining about the "overlord clause", very few opportunities to recover. Bank employees can easily answer: "The credit card application form and the manual is very clear, we are by the book." "There is no time to look at the rules of a credit card or understand it," said the cardholder. That's a little bit of a talk.　　People have time to watch TV, have time to go shopping, have time to chat idle days, but can not spare time to learn and their money closely related to financial knowledge, willing to become the financial institutions of the "lamb." Don't take credit cards as card. This is a fundamental problem, but there are still a lot of cardholders who not only save money on credit cards, but also use their credit cards to pick up cash on the ATM. At present, in addition to the quasi-credit card and deposit-and-credit card and other special varieties, all banks of the standard cards are not paid interest on deposits. The credit card prospectus and the receiving agreement clearly contain the relevant terms, and the credit card application form contains the articles of association and the receiving agreement, and the manual is explained in more detail. For example, the CCB credit card regulation 22nd says: "The bank does not pay interest on the cardholder's credit card account." "It's really a" sucker "for using a credit card to withdraw money from an ATM. At present, the vast majority of banks to the current credit card collection fees and interest. The rates for the fees are 0.5% to 3%. The interest rate is five out of 10,000 per day, and some banks also collect compound interest on a monthly basis, that is, "arbitrage". The credit card charter clearly contains the relevant terms, the use of the credit card is clearly contained in the standard fees. For example, the Construction Bank credit card 21st article said: "Cardholders in the credit limit to withdraw cash does not enjoy interest-free repayment treatment." The bank calculates interest on the basis of the date on which the cardholder does not meet the requirements of the free repayment terms, and the monthly charge for compounding. "Construction Bank Credit card Agreement said:" Party A (cardholder) in the withdrawal of cash, must pay a fee. Overdraft transactions do not enjoy the interest-free repayment period, Party B (Bank) from the Bank accounting Day from the collection of arrears, the daily interest rate of five out of 10,000, the monthly charge of compound interest. "Credit card fees are usually contained in the last few pages of the manual, which should be the least overlooked material."　　In addition, when the charging item changes, the bank usually publishes the announcement on the website, the cardholder should pay attention to. There is also a handling fee for the overflow payment. The cardholder was surprised to find that the amount of money he had deposited into his credit card would have to be taken out and the bank would have to charge a handling fee. "This is my own money, not borrow the bank, why to charge?" "Unfortunately, whether the cardholder said that the relevant terms of the bank is" overlord clause "or" Digging the PIT clause ", the credit card's collar agreement is clearly written. According to the basic rules of the Contract law, the cardholder was in the credit cardWhen signing the application form, it is tantamount to agreeing and complying with the credit card charter and the receiving agreement contained in the application form.　　At present, in addition to the very individual banks, the vast majority of banks take the excess payment of credit cards as a general withdraw, and a fee is charged. Overpayment refers to the amount of money the cardholder pays at the time of repayment or the funds deposited in the credit card account. If the cardholder pays off all of his credit card debt, if he saves some more money, the extra money will be paid. CCB Credit card receiving agreement said: "Party A (cardholder) in the account of the overflow payment does not pay interest, the withdrawal of the payment will be paid to pay the fees." "An overflow can sometimes lead to tricky problems. For example, when the cardholder wants to pin the card, the balance in the credit card must be 0, otherwise the bank cannot sell the household. If there is an overflow payment on the card, then the card cannot be sold. If the cardholder wants to take out an overflow payment, it will produce a fee and a new bill.　　Bank staff generally advise cardholders to take off their cards and spend them by swiping. There's no reason to get a bill. The cardholder has forfeited the credit card statement because of the change in the address of the work unit.　　The cardholder feels that the responsibility is not on his own. Unfortunately, the credit card Charter does not support the cardholder. For example, the CCB credit card regulation 55th says: "The cardholder cannot refuse to pay the bank's arrears on the basis of receipt of the bill (including the corresponding late fees, interest, etc.)." "The 56th article says:" If the cardholder's personal data, contact address, means of communication or the designated mailing address of the bill are changed, they shall notify the Bank through the customer service call provided by the bank or other forms approved by the bank, otherwise, the losses incurred by the cardholder will be borne by the card holder. "The bank's terms are really ugly, you know?" It's not necessarily. Usually, the credit card charter will explain the terminology in terms of the jargon. If the cardholder feels that the following clauses are not understood, it may be useful to do the homework first and to learn the first term.　　For example, the Construction Bank credit card Charter of the general provisions of the "general" 2/3 of the space is a noun interpretation, the "Banking Day", "Minimum Amount", "Super Limit Fee" and "late fees" and other 12 nouns have been explained. In addition, the credit card charter usually contains the "cardholder Rights and Obligations" section, the Cardholder's rights and obligations to provide a detailed explanation. If the cardholder says "I don't know" or "never heard" after receiving the credit card, I'm afraid the court will have a hard time supporting it. For example, the CCB credit card 47th article said: "Cardholder should be aware of the long card credit card function, the use of methods, fees and standards and other items." "Morning News reporter Li Joe