[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2025060616400106355":3,"related-JP2025060616400106355":29},{"pageSize":4,"id":5,"productLine":6,"status":7,"articleCode":8,"articleType":9,"showStyle":7,"mediaType":10,"articleTitle":11,"coverImage":12,"listImage":13,"introduction":14,"description":15,"nonVipDescription":16,"postTime":17,"viewTime":17,"sortNumber":18,"isFree":19,"isShowList":7,"isRecommend":19,"linkType":7,"isOriginal":6,"hasMiniUrl":19,"hasAdvertising":19,"createBy":20,"updateBy":20,"createTime":21,"visitCount":19,"isLiked":19,"realSearch":22,"isRead":19,"productId":23,"isCollected":19,"collectCount":19,"vipExclusive":19,"allowComment":7,"style":24,"likeCount":19,"seoKeywords":16,"articleModuleVoList":25,"extendContentList":26,"noteCount":19,"categoryList":27,"dailyKeywordList":28},10,6965,"1",1,"JP2025060616400106355","1041018",3,"多问9个问题，薅到信用卡「真羊毛」","https:\u002F\u002Fimage.jane7.com\u002F3375725c-d389-414b-8026-187a459f2892.png","https:\u002F\u002Fjane7-prod.oss-cn-hangzhou.aliyuncs.com\u002Fmanager\u002Farticle_default_img.png","一份信用卡排坑指南","\u003Cdiv>\n \u003Csection style=\"font-size: 16px;\">\n  \u003Cp style=\"margin-right: 16px;margin-left: 16px;white-space: normal;text-align: center;line-height: 1.75em;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F771e367f-0f50-4f12-89e9-d3946c1e5ca3.jpg\">\u003C\u002Fp>\n  \u003Cp style=\"margin-right: 16px;margin-left: 16px;white-space: normal;text-align: right;line-height: 1.75em;\">\u003Cspan style=\"color: rgb(136, 136, 136);font-family: Optima-Regular, PingFangTC-light;font-size: 12px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);background-color: rgb(255, 255, 255);\">摄影\u002F棉花妈妈\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Csection>\n   \u003Cmpvoice class=\"js_editor_audio audio_iframe js_uneditable custom_select_card\" data-pluginname=\"insertaudio\" data-topic_id=\"\" data-topic_name=\"\" data-trans_state=\"1\" data-verify_state=\"3\" high_size=\"2008.8\" isaac2=\"1\" low_size=\"1326.08\" name=\"多问9个问题，薅到信用卡「真羊毛」\" play_length=\"685000\" source_size=\"1331.2\" src=\"\u002Fcgi-bin\u002Freadtemplate?t=tmpl\u002Faudio_tmpl&name=%E5%A4%9A%E9%97%AE9%E4%B8%AA%E9%97%AE%E9%A2%98%EF%BC%8C%E8%96%85%E5%88%B0%E4%BF%A1%E7%94%A8%E5%8D%A1%E3%80%8C%E7%9C%9F%E7%BE%8A%E6%AF%9B%E3%80%8D&play_length=11:25\" voice_encode_fileid=\"MjM5MzA3MjI2NV8yNjUwNjU5Nzc5\">\u003C\u002Fmpvoice>\n  \u003C\u002Fsection>\n  \u003Cp style=\"margin-right: 16px;margin-left: 16px;white-space: normal;line-height: 1.75em;\">\u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">临近年底，身边的不少朋友都收到了这类通知——\u003C\u002Fspan>\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-right: 16px;margin-left: 16px;white-space: normal;line-height: 1.75em;font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-right: 16px;margin-left: 16px;white-space: normal;line-height: 1.75em;font-size: 16px;\">\u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">各大银行热情地发短信、打电话提示「您的信用卡\u003Cstrong>临时额度\u003C\u002Fstrong>提升了」。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-right: 16px;margin-left: 16px;white-space: normal;line-height: 1.75em;font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-right: 16px;margin-left: 16px;white-space: normal;line-height: 1.75em;font-size: 16px;\">\u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">嗯，这是要「送钱」给我花的意思吗？\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-right: 16px;margin-left: 16px;white-space: normal;line-height: 1.75em;font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-right: 16px;margin-left: 16px;white-space: normal;line-height: 1.75em;font-size: 16px;\">\u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">问了问银行工作的同学波妞，她跟我耐心解释了一通：\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;min-height: 1em;background-color: rgb(255, 255, 255);line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n   \u003Cbr style=\"outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n  \u003C\u002Fsection>\n  \u003Cblockquote style=\"margin-right: 16px;margin-left: 16px;outline: 0px;color: rgba(0, 0, 0, 0.5);max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n   \u003Csection style=\"margin-right: 16px;margin-left: 16px;outline: 0px;max-width: 100%;letter-spacing: 0.544px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n    \u003Cspan style=\"outline: 0px;max-width: 100%;font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);box-sizing: border-box !important;overflow-wrap: break-word !important;\">「这种临时提额，主要是为了防止购物时出现刷爆信用卡的情况。可不是免费送你的钱，还款的时候，银行一般会要求全额还清，不一定能办理分期。也就是说，你使用了5万的临时额度，那么，在还账单的时候还是要做好一次性将这5万全还上的准备才行哦~」\u003C\u002Fspan>\n   \u003C\u002Fsection>\n  \u003C\u002Fblockquote>\n  \u003Cp style=\"margin-right: 16px;margin-left: 16px;white-space: normal;line-height: 1.75em;font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-right: 16px;margin-left: 16px;white-space: normal;line-height: 1.75em;font-size: 16px;\">\u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">看我半天没有反应，波妞笑了笑，又翻译了一下：\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-right: 16px;margin-left: 16px;white-space: normal;line-height: 1.75em;font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-right: 16px;margin-left: 16px;white-space: normal;line-height: 1.75em;font-size: 16px;\">\u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">「简单来说，涉及到信用卡还是要留些心眼，和银行一一问清楚各类事项。要是不注意，可是容易冲动消费的。」\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-right: 16px;margin-left: 16px;white-space: normal;line-height: 1.75em;font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-right: 16px;margin-left: 16px;white-space: normal;line-height: 1.75em;font-size: 16px;\">\u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">呵，说好的「薅羊毛利器」，原来我才是那只羊呀。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-right: 16px;margin-left: 16px;white-space: normal;line-height: 1.75em;font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"margin-right: 16px;margin-left: 16px;white-space: normal;line-height: 1.75em;font-size: 16px;\">\u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">我们收集了一些常见的问题，又问了问银行工作的业内人士，为你梳理了\u003Cstrong>「办卡」\u003C\u002Fstrong>、\u003Cstrong>「用卡」\u003C\u002Fstrong>、\u003Cstrong>「还款」\u003C\u002Fstrong>三个环节的9个问题，看看自己有没有成功避开「消费陷阱」吧~\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;line-height: 1.75em;font-size: 16px;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"text-align: center;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n   \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F71d3ae82-61e6-4953-8268-a9d27ef517b8.jpg\">\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;line-height: 1.75em;\">\n   \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F4b92f008-89b8-4f6a-8dc2-71f833a5fa41.jpg\">\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;text-align: center;line-height: 1.75em;\">\n   \u003Cspan style=\"color: rgb(214, 168, 65);font-size: 18px;\">\u003Cstrong>\u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">01\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;text-align: center;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>\u003Cspan style=\"color: rgb(214, 168, 65);background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">办卡前\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;text-align: center;line-height: 1.75em;\">\n   \u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>\u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">谨慎为上，了解你办的卡\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cstrong style=\"outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;font-size: 16px;background-color: rgb(255, 255, 255);text-align: left;caret-color: rgb(51, 51, 51);color: rgb(0, 0, 0);box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"outline: 0px;max-width: 100%;background-color: rgb(255, 218, 169);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">关于开卡：信用卡不是越多越好\u003C\u002Fspan>\u003C\u002Fstrong>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">有次我突发奇想，在征信报告中看了下：居然有9张卡的申请记录，其中7张没激活。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">仔细回想了一下，没激活的卡汇总有——\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Cblockquote style=\"margin-right: 16px;margin-left: 16px;outline: 0px;color: rgba(0, 0, 0, 0.5);max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n   \u003Csection style=\"margin-right: 16px;margin-left: 16px;outline: 0px;max-width: 100%;letter-spacing: 0.544px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n    \u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);\">2张是帮朋友忙开的；\u003C\u002Fspan>\n    \u003Cbr>\n   \u003C\u002Fsection>\n   \u003Csection style=\"margin-right: 16px;margin-left: 16px;outline: 0px;max-width: 100%;letter-spacing: 0.544px;color: rgba(0, 0, 0, 0.5);font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;white-space: normal;background-color: rgb(255, 255, 255);font-size: 16px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n    \u003Cspan style=\"outline: 0px;max-width: 100%;font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-size: 15px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">2张是在机场开的飞行积分卡；\u003C\u002Fspan>\n   \u003C\u002Fsection>\n   \u003Csection style=\"margin-right: 16px;margin-left: 16px;outline: 0px;max-width: 100%;letter-spacing: 0.544px;color: rgba(0, 0, 0, 0.5);font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;white-space: normal;background-color: rgb(255, 255, 255);font-size: 16px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n    \u003Cspan style=\"outline: 0px;max-width: 100%;font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-size: 15px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">有1张是银行营销电话同意的；\u003C\u002Fspan>\n   \u003C\u002Fsection>\n   \u003Csection style=\"margin-right: 16px;margin-left: 16px;outline: 0px;max-width: 100%;letter-spacing: 0.544px;color: rgba(0, 0, 0, 0.5);font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;white-space: normal;background-color: rgb(255, 255, 255);font-size: 16px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n    \u003Cspan style=\"outline: 0px;max-width: 100%;font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-size: 15px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">剩下的是开卡时附赠的外币卡。\u003C\u002Fspan>\n   \u003C\u002Fsection>\n  \u003C\u002Fblockquote>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">这可不能放任不理。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">开卡数量过多，会导致2个问题：\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cstrong>\u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">1）可能影响后续信用卡审批。\u003C\u002Fspan>\u003C\u002Fstrong>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">多申请一张信用卡，对于个人来说，就是多了一笔潜在的负债。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">银行在审核时，会通过征信报告等多个维度对你的还款能力展开调查，信用卡数量就是其中一项。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">如果卡片数量过多，就会被打上「缺钱」的标签，很大概率会被银行拒之门外。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cstrong>\u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">2）可能影响未来的房贷、其他贷款申请。\u003C\u002Fspan>\u003C\u002Fstrong>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">一方面，如果信用卡欠款金额较高的话，同样不利于其他贷款的审批。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">另一方面，卡片数量过多也会带来管理上的难度。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">要是错过了还款日期，是会在征信记录写上一笔的。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">我们可以\u003Cstrong>适当精简卡片数量\u003C\u002Fstrong>——\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">不用的、未激活的卡片，及时打电话给信用卡中心，按步骤进行注销、剪卡的操作比较好。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">\u003Cbr>\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);\">注意：各家银行注销步骤不完全一样，具体以发卡行的流程为准哦~\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">关于征信报告，可以阅读👉：\u003Ca data-linktype=\"2\" href=\"https:\u002F\u002Fmp.weixin.qq.com\u002Fs?__biz=MjM5MzA3MjI2NQ==&mid=2650627704&idx=1&sn=2a0b62f1ce00c11d9f067514904a5f02&scene=21#wechat_redirect\" imgdata=\"null\" imgurl=\"\" linktype=\"text\" tab=\"innerlink\" target=\"_blank\" textvalue=\"你的「经济身份证」，有了新变化丨个人征信2.0\" style=\"color:#409eff\">你的「经济身份证」，有了新变化丨个人征信2.0\u003C\u002Fa>\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">关于卡片管理👉：建议大家可以使用APP记录、管理自己常用的信用卡，提示还款日期。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">比如，微信有「信用卡还款」的小程序\u003C\u002Fspan>\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);\">（有跨行手续费）\u003C\u002Fspan>\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">；云闪付的「信用卡还款」功能\u003C\u002Fspan>\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);\">（暂无手续费）\u003C\u002Fspan>\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"text-align: center;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n   \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F58558e45-4d7b-4305-99ad-8904d9b215e0.jpg\">\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;text-align: center;line-height: 1.75em;\">\n   \u003Cspan style=\"color: rgb(136, 136, 136);background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);font-size: 14px;\">图片来源：微信小程序、云闪付\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">那么，万一错过还款时间了，已经在征信上有「逾期」记录怎么办？\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">这里需要着重提醒的是——\u003Cstrong>我国的征信系统中是不存在「征信修复」说法的。\u003C\u002Fstrong>\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">如果出现了征信异议，也就是认为自己的信用报告中的信息存在错误时，可以\u003Cstrong>向银行进行申请异议处理。\u003C\u002Fstrong>\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">所以，再听到「征信修复」的宣传，都是骗局，就别盲目听信了。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">大家在使用信用卡的时候呢，科学玩转没有错，但千万要注意，可别影响征信，不然可不划算了。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;line-height: 1.75em;\">\n   \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Ff7b1d7a2-5796-4708-a110-6e9b1357cea4.jpg\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;text-align: center;line-height: 1.75em;\">\n   \u003Cspan style=\"color: rgb(214, 168, 65);font-size: 18px;\">\u003Cstrong>\u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">02\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;text-align: center;line-height: 1.75em;\">\n   \u003Cspan style=\"color: rgb(214, 168, 65);font-size: 16px;\">\u003Cstrong>\u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">用卡中\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;text-align: center;line-height: 1.75em;\">\n   \u003Cspan style=\"color: rgb(214, 168, 65);font-size: 16px;\">\u003Cstrong>\u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">天下没有免费的午餐\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;line-height: 1.75em;\">\n   \u003Cstrong style=\"outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;font-size: 16px;background-color: rgb(255, 255, 255);text-align: left;caret-color: rgb(51, 51, 51);color: rgb(0, 0, 0);box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"outline: 0px;max-width: 100%;background-color: rgb(255, 218, 169);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">关于升级\u003C\u002Fspan>\u003C\u002Fstrong>\n   \u003Cstrong style=\"outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;font-size: 16px;background-color: rgb(255, 255, 255);text-align: left;caret-color: rgb(51, 51, 51);color: rgb(0, 0, 0);box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"outline: 0px;max-width: 100%;background-color: rgb(255, 218, 169);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">：遇到「只谈权益，不提成本」的，要多问几句\u003C\u002Fspan>\u003C\u002Fstrong>\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">一位同事最近收到电话说，可以免费把她的信用卡升级到白金卡，能获得很多权益。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">不过对于需要付出的成本闭口不谈，这引起了同事的注意：天下哪有免费的午餐呢？\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">好在这位同事避雷经验丰富，一直与客服周旋，总算知道升级白金卡是不免年费的，\u003Cstrong>并且年费还需要支付500元。\u003C\u002Fstrong>\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">不然等收到年费账单的时候才知道踩坑，500大洋已经付之东流了。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">往往这样的电话，是想让你多开卡，完成他们的KPI。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">正是针对这种情况，上周银保监会出台了信用卡管理的新规定。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">其中提到，银行不能再将「开卡数量」、「客户数量」作为单一的考核目标，禁止了默认勾选同意、强制捆绑销售等营销行为。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">今后再听到「只谈权益，不提成本」的电话时，基本上都可以断定是营销话术。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">可以仔细询问一下升级的条件、要付出的成本，必要的时候使用电话录音，防范之后的扯皮。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cstrong style=\"outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;font-size: 16px;background-color: rgb(255, 255, 255);text-align: left;caret-color: rgb(51, 51, 51);color: rgb(0, 0, 0);box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"outline: 0px;max-width: 100%;background-color: rgb(255, 218, 169);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">关于年费：不是所有的卡片都免年费\u003C\u002Fspan>\u003C\u002Fstrong>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">在开卡的时候，销售人员通常会说「信用卡第一年是免年费的」，有的朋友就会惯性地以为信用卡之后也是免费的。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">往往在第二年收到账单的时候，才知道原来自己的卡片要缴纳年费。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">建议大家可以做两步避免「收取年费」的情形：\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">第一步，在开卡的时候一定要问清楚这三件事：\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Cblockquote style=\"margin-right: 16px;margin-left: 16px;outline: 0px;max-width: 100%;letter-spacing: 0.544px;line-height: 1.75em;color: rgba(0, 0, 0, 0.5);font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;white-space: normal;background-color: rgb(255, 255, 255);font-size: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n   \u003Csection style=\"margin-right: 16px;margin-left: 16px;outline: 0px;max-width: 100%;letter-spacing: 0.544px;color: rgba(0, 0, 0, 0.5);font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;white-space: normal;background-color: rgb(255, 255, 255);font-size: 16px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n    \u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-size: 15px;\">1）计算年费的周期；\u003C\u002Fspan>\n   \u003C\u002Fsection>\n   \u003Csection style=\"margin-right: 16px;margin-left: 16px;outline: 0px;max-width: 100%;letter-spacing: 0.544px;color: rgba(0, 0, 0, 0.5);font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;white-space: normal;background-color: rgb(255, 255, 255);font-size: 16px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n    \u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-size: 15px;\">2）计算年费的条件；\u003C\u002Fspan>\n   \u003C\u002Fsection>\n   \u003Csection style=\"margin-right: 16px;margin-left: 16px;outline: 0px;max-width: 100%;letter-spacing: 0.544px;color: rgba(0, 0, 0, 0.5);font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;white-space: normal;background-color: rgb(255, 255, 255);font-size: 16px;line-height: 1.75em;box-sizing: border-box !important;overflow-wrap: break-word !important;\">\n    \u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-size: 15px;\">3）减免年费的条件。\u003C\u002Fspan>\n   \u003C\u002Fsection>\n  \u003C\u002Fblockquote>\n  \u003Cp style=\"margin-right: 16px;margin-left: 16px;white-space: normal;line-height: 1.75em;font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">第二步，在还款时多核对一下账单，以免出现意外的支出。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">如果扣除了年费， 也可以打电话问问能否有减免的机会。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"text-align: center;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n   \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fd2acaf7a-a6e6-4abc-bb50-d7b27520344f.jpg\">\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;text-align: center;line-height: 1.75em;\">\n   \u003Cspan style=\"color: rgb(136, 136, 136);background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);font-size: 14px;\">图片来源：某银行信用卡年费账单\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">关于免年费，可以阅读👉：\u003Ca data-linktype=\"2\" href=\"https:\u002F\u002Fmp.weixin.qq.com\u002Fs?__biz=MjM5MzA3MjI2NQ==&mid=2650615198&idx=1&sn=e7e0182b6158a1729a0eef3fa0d47a7e&scene=21#wechat_redirect\" imgdata=\"null\" imgurl=\"\" linktype=\"text\" tab=\"innerlink\" target=\"_blank\" textvalue=\"3个提醒＋2个技巧，帮你免掉信用卡年费\" style=\"color:#409eff\">3个提醒＋2个技巧，帮你免掉信用卡年费\u003C\u002Fa>\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cstrong style=\"outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;font-size: 16px;background-color: rgb(255, 255, 255);text-align: left;caret-color: rgb(51, 51, 51);color: rgb(0, 0, 0);box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"outline: 0px;max-width: 100%;background-color: rgb(255, 218, 169);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">关于额度：不要陷入「高额度」误区\u003C\u002Fspan>\u003C\u002Fstrong>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">授信额度，简单来说，是你能从银行借多少钱，背多少负债——\u003Cstrong>并不代表你有多少钱。\u003C\u002Fstrong>\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">不少朋友认为授信额度越高越好，容易在账面数字的诱导下作出冲动消费的行为，而这通常意味着负债又增加了。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">在信用卡新规中提到，每个人在银行都会有一个总的授信额度，各个银行都会参考这个总授信额发卡。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">比如你开了A银行和B银行，获得了10万的授信额度，你的的总额度也是10万，达到了上限，那么之后再去C银行也无法再申请新卡了。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cstrong style=\"outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;font-size: 16px;background-color: rgb(255, 255, 255);text-align: left;caret-color: rgb(51, 51, 51);color: rgb(0, 0, 0);box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"outline: 0px;max-width: 100%;background-color: rgb(255, 218, 169);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">关于积分：兑换奖品要经历一场「鱿鱼游戏」\u003C\u002Fspan>\u003C\u002Fstrong>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">不少朋友办信用卡，或许是为了积分优惠。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">但是这里想提醒你的是，现在想薅积分的羊毛，可能没那么容易了。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cstrong>\u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">首先，不是所有的消费都有积分。\u003C\u002Fspan>\u003C\u002Fstrong>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">积分政策越来越苛刻了。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">一般来说，房产类、教育、卫生、加油、汽车类消费是无法累积积分的。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">有些银行积分是按单笔消费、向下取整计算的，比如20元累积1积分，消费19元就没有积分。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cstrong>\u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">其次，积分的兑换没那么容易。\u003C\u002Fspan>\u003C\u002Fstrong>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">最近，身边的一位朋友为了兑换积分，就跟随指引，下载了新的app。重新注册填信息，折腾老半天才兑换了价值20块的礼品。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">她感叹：「这是出卖个人信息才得到的啊！」\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cstrong>\u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">另外，积分有期限。\u003C\u002Fspan>\u003C\u002Fstrong>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">如果一不小心过期了，就失效了，基本上不会累积。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">种种套路之下，信用卡积分像是「镜中花，水中月」，看得见，摸不着。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">总而言之，从免年费、白金卡的套路、到高额授信、限定提额和积分的诱惑——这些看似美好的方式，都是银行试图把钱从你口袋拿走所使用的技巧。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);color: rgb(73, 73, 73);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);font-size: 16px;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F5dc3b8ba-7929-4f5f-a850-98f6b8db7a0d.jpg\">\u003C\u002Fspan>\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;text-align: center;line-height: 1.75em;\">\n   \u003Cspan style=\"color: rgb(214, 168, 65);font-size: 18px;\">\u003Cstrong>\u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">03\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;text-align: center;line-height: 1.75em;\">\n   \u003Cspan style=\"color: rgb(214, 168, 65);font-size: 16px;\">\u003Cstrong>\u003Cspan style=\"color: rgb(214, 168, 65);background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">还款时\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;text-align: center;line-height: 1.75em;\">\n   \u003Cspan style=\"color: rgb(214, 168, 65);font-size: 16px;\">\u003Cstrong>\u003Cspan style=\"color: rgb(214, 168, 65);background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">看得清楚些，算得仔细点\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cstrong style=\"outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;font-size: 16px;background-color: rgb(255, 255, 255);text-align: left;caret-color: rgb(51, 51, 51);color: rgb(0, 0, 0);box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"outline: 0px;max-width: 100%;background-color: rgb(255, 218, 169);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">关于信用卡分期：免费的OK，收费的多想想\u003C\u002Fspan>\u003C\u002Fstrong>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cstrong>\u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">1）大部分信用卡分期是很「贵」的\u003C\u002Fspan>\u003C\u002Fstrong>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">信用卡分期业务是银行最爱推广的业务之一，它提供了一种便利：当我们无法一次性付款的时候，可以拆成多笔还款。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">不过，如果没有注明「免费」的话，银行会收取对应的利息或是手续费是很高的，这个成本\u003Cstrong>一般在年化10%以上。\u003C\u002Fstrong>\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"text-align: center;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n   \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fb1ca3c60-149d-488c-95ee-de8daf2501d6.jpg\">\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;text-align: center;line-height: 1.75em;\">\n   \u003Cspan style=\"color: rgb(136, 136, 136);background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);font-size: 14px;\">图片来源：公开资料整理，个人情况不同会存在差异\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">话说，我们辛辛苦苦理财，长期来看，指数的年化收益也就是10%左右，而消费贷款的成本都高于这个数字。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">所以，如果没什么必要的话，不建议大家使用收费的分期产品，避免成为银行的「打工人」。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cstrong>\u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">2）免费的分期可用，注意是否隐藏「收费」条款\u003C\u002Fspan>\u003C\u002Fstrong>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">为了提高销量，刺激消费，一些公司也将「免费分期」作为一项消费福利广而告之，吸引消费者。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">我们可以在公司的官网上找到具体的合作银行、如果确实说了分期免费，那么也是可以考虑购买的，不过别忘了要按时还款~\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">另外，也要注意「\u003Cstrong>把利息藏起来\u003C\u002Fstrong>」的情形，用另一种方式收费，比如，不收利息，转而收手续费了，就要格外留心一点。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">值得注意的是，上周的信用卡新规中明确提到，以后，不管是「利息、复利、费用、违约金」，都要用明显的方式向客户展示年化利率水平。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">这种方式有助于提高我们的知情权，一些银行已经开始落实这项政策，在分期之前能看到实际支出的成本了。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">\u003Cbr>\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"text-align: center;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n   \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F40b8e358-0062-4d0f-b412-853ad768658f.jpg\">\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;text-align: center;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);font-size: 14px;color: rgb(136, 136, 136);\">图片来源：某银行分期还款业务显示\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">不过，有的银行还未更改收费的显示，我们在消费时还是多留一个心眼比较好。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cstrong style=\"outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;font-size: 16px;background-color: rgb(255, 255, 255);text-align: left;caret-color: rgb(51, 51, 51);color: rgb(0, 0, 0);box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"outline: 0px;max-width: 100%;background-color: rgb(255, 218, 169);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">关于分期还款：还款也是有费用的\u003C\u002Fspan>\u003C\u002Fstrong>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">那使用分期的时候，是不是越早还款越好呢？\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">想提前还款，这里还要注意2个费用的问题——\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cstrong>\u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">第一，提前还款可能有违约金。\u003C\u002Fspan>\u003C\u002Fstrong>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">在申请贷款前，还是要多和银行沟通了解业务规则。否则提前还款了，有时还要支付违约金。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"text-align: center;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n   \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F272d4c56-7ce2-40bc-ac81-ed248e887136.jpg\">\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;text-align: center;line-height: 1.75em;\">\n   \u003Cspan style=\"color: rgb(136, 136, 136);background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);font-size: 14px;\">图片来源：某银行信用卡分期条款\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">没必要的话，还是尽量少分期，不分期。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cstrong>\u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">第二，只要没还清账单，都可能有全额罚息。\u003C\u002Fspan>\u003C\u002Fstrong>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">比如使用银行卡透支消费1万元，按时还了九千多，按照大部分银行「全额罚息」的规定——\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">哪怕多欠的只有十几块，也要按付150元的违约金。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);\">*计算过程：10000*万5（每日滞纳金）*30天（天数）=150元，实际罚息金额以各行计算方式为准。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">所以大家在还清欠款后，最好致电银行询问，是否已还清账单，以免出现不必要的麻烦。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cstrong style=\"outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;font-size: 16px;background-color: rgb(255, 255, 255);text-align: left;caret-color: rgb(51, 51, 51);color: rgb(0, 0, 0);box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"outline: 0px;max-width: 100%;background-color: rgb(255, 218, 169);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">关于取现：信用卡取现有点贵\u003C\u002Fspan>\u003C\u002Fstrong>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">我有个朋友的母亲，就被银行忽悠说「信用卡能跟储蓄卡一样取现，功能还更多」，从而办了信用卡。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">的确，大部分的信用卡具备直接取现的功能，取现额度通常为授信额度的50%，具体可咨询开户行客服。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">不过，取现费率很高。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">首先，需要支出\u003Cstrong>手续费\u003C\u002Fstrong>，一般是每笔金额的\u003Cstrong>1%-2%\u003C\u002Fstrong>；\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">其次，就是\u003Cstrong>利息\u003C\u002Fstrong>了，通常是0.05%\u002F天，年化利率在\u003Cstrong>18%\u003C\u002Fstrong>左右。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">所以，除了应对紧急情况，不建议大家使用取现功能。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">总得来说，在涉及到支出的费用时，大家还是要多留意成本的问题，有免费的就用免费的，比如明码标价「24期免息」的产品，当然，使用前也要确认是自己能力范围内的。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">没免费的就要注意了，年化后的成本其实是很高的，可以和自己的理财收益比一比。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);color: rgb(73, 73, 73);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);font-size: 16px;\">\u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F3bc4e570-8875-42bf-aeb8-dd40345c22a5.jpg\">\u003C\u002Fspan>\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;text-align: center;line-height: 1.75em;\">\n   \u003Cspan style=\"color: rgb(214, 168, 65);font-size: 18px;\">\u003Cstrong>\u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">04\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">不知不觉写了几千字，希望能给正在为信用卡发愁的你有所帮助。\u003C\u002Fspan>\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">这里也想请大家在消费之前想一想：\u003C\u002Fspan>\n   \u003Cstrong style=\"outline: 0px;max-width: 100%;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;font-size: 16px;background-color: rgb(255, 255, 255);text-align: left;caret-color: rgb(51, 51, 51);color: rgb(0, 0, 0);box-sizing: border-box !important;overflow-wrap: break-word !important;\">\u003Cspan style=\"outline: 0px;max-width: 100%;background-color: rgb(255, 218, 169);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;box-sizing: border-box !important;overflow-wrap: break-word !important;\">不要看省了多少，看花了多少。\u003C\u002Fspan>\u003C\u002Fstrong>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">比如，看到原价100的电影票现在只要20块，就觉得省了80块，实际上，花费的20元和2个小时都可以省下做更有意义的事。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">在没有管理余力的情况下，\u003Cstrong>建议大家常用1-2张权益较多的卡片即可。\u003C\u002Fstrong>\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">集中消费也有利于积累交易数据、获得积分和更好的权益。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"text-align: center;margin-left: 16px;margin-right: 16px;line-height: 1.75em;\">\n   \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Fecbccf7d-fcac-438f-a215-f9242f3c3582.jpg\">\n  \u003C\u002Fsection>\n  \u003Cp style=\"margin-right: 16px;margin-left: 16px;white-space: normal;line-height: 1.75em;font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">好啦，今天的信用卡小锦囊就分享到这里。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">\u003Cbr>\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">喜欢这样的内容的话，欢迎点个\u003C\u002Fspan>\n   \u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>\u003Cspan style=\"color: rgb(214, 168, 65);background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">「在看」\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">鼓励一下。\u003C\u002Fspan>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cbr>\n  \u003C\u002Fsection>\n  \u003Csection style=\"margin-right: 16px;margin-left: 16px;white-space: normal;font-size: 16px;line-height: 1.75em;\">\n   \u003Cspan style=\"background-color: rgb(255, 255, 255);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;text-align: left;caret-color: rgb(51, 51, 51);\">晚安😊\u003C\u002Fspan>\n  \u003C\u002Fsection>\n \u003C\u002Fsection>\n\u003C\u002Fdiv>","","2021-12-20 22:36:00",100,0,"renqiang@jane7.com","2025-06-06 16:40:01",false,17027,"1038002",[],[],[],[],[]]