Fashion Now

.. host of

. from June 1, five major state-owned banks start to levy fees for interbank ATM machines, each of 0.3 yuan. Guangdong reported the same day the bank, the bank teller fees to increase the interbank four yuan each. On the one hand, the use of bank cards slowly increased in cost, on the one hand loopholes in the use of bank cards frequently reported. For bank cards, will suddenly more or less a sum of money. Internet banking account theft by hackers, inexplicable transfers. Some credit card Haobu said at an annual fee, get the hands of the bills has been crossed out a sum of money. As a "

. bank card owners, "Now your opponent in the bank card is still" sophisticated "» You start to organize the hands of the bank card? »

. passive charges, Take the initiative to make money

. . package 29-year-old Miss staff

. bank card charges to open the menu frequently, for no reason people think that a sum of more spending, but also stimulated the desire of my fiscal. Colleagues to see all my friends In discussing how to use Internet banking, telephone banking, mobile banking avoid the ATM machine for the cost, I suddenly feel this knowledge is scarce, but my hands although there are many bank cards, but in my hands of their main functions Just enquiries, cash withdrawals, deposits, the brain is not good use of their concept.

. ask those around me is the "Break" bank cards to financial experts, I finally Kaiqiao, the original bank cards can also use this. Especially now, despite the use of bank cards to cost more, but you also can not be completely out of bank cards to life. While emotion can not accept certain things, but can not change the reality of the situation, or choose to face a better way. Inspired by a friend, I do not intend to not only reduce the hands of the debit card, but also prepared a new credit card. Some business banks are unwilling to spend money, but some business banking customers willing to give money. For example, the Office of credit card, bank not only for an annual fee, interest-free period to provide interest-free loan to you, Haisong small gift to you. As long as operating properly and timely repayment, you mean there every month from the bank earned a sum of the interest charges. I can also offer Internet banking, online However free of charge. Internet stock fund accounts opened after the sale of shares, the Fund's fees are the lowest, than in Guimian for convenient, save time and money.

. after a friend's guidance, I found that a bank's services or some very convenient and affordable. Now I need to do is to avoid those fees in full operations at the same time, the full enjoyment of , The use of the banking business of these savings.

. card account many small

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. I have a pile of bank books. Wages in a bank account, the money in another account, the insurance company gave the I am a deduction for the insurance of the accounts, stock speculation the bank account. have so many bank account is helpless. However, although many accounts, bank cards was only three.'s A credit card and appointed to prepare the necessary When overdraft other two are the ICBC and the post office Ling Tongka the green card.

. credit card charges or fees for interbank all right , To little effect on me and my philosophy is very simple, with bank cards is entirely for the convenience, security, bank cards should I use, the less the better, not when a bank card slaves. My bank card is of utilitarian , Let alone what feelings.

.. trend of the times and a reduction.

. . Nick 32-year-old technical support

. last year heard that all major banks to the small account management fees charged, I came on Rulintaidi Fanchu our family of bank cards, to a total of finishing. When reading the many left over from the cards, working for several units, each company linked to the bank is different. I made the hands of five major state-owned banks in the cards each have at least one. Parents was in retirement, the concept of bank cards Mosha, shook the hands of a "sleep card." Take this opportunity, I do not common to our family of Cary similar merger of the money, deposited on 12 are still using the card. At that time I told the parents said, it appears that banks charge service is the trend, as soon as possible the card in their hands clean definitely good for finishing.

. Sure enough, before Yu still hesitant attitude may or may not-to-bank, basically the beginning of this year the money.

. I had to small commercial banks relatively optimistic about the bank cards, in order to fight for their clients, many of the costs are often a relief, concessions, so I organize the bank card, left a particularly sophisticated and A few small bank card, bank card pin down. But everything has changed, beyond my expectation is that I love most of a bank card, this goes unnoticed began collecting interbank

. ATM withdrawals a fee. I always thought that and believe that this.banks adhere to the customer first, the free service will be conducted in the end, it seems that I was too naive. In fact, most people angry, not the beginning of its charges, but there is no bank let me know in advance that it was prepared to the charges. Peacetime banks to issue funds, bonds, they will engage in a timely manner winding SMS promotions, but encountered such charges, has not Faduanxiaoxi. I pull the bills, see the above two yuan, excluding the money that the original charge of the start. Because of this experience, I am a good impression on the banks of sharp decline.

. As for the bank ATM machine for interbank charges, although the publicity has done a really good, but also gives the banks can not hide "to close On the resumption "impression. Favour of lower again. To see news that the bank will be able to charge many of the projects, on the existing basis can increase the possibility of the original charges also great. Seems to be all charges Bank to "international standards" the only way. In view of the trend of the times, I decided to streamline the hands of my bank cards.

.. Members elected wage card

. . single foreign invested enterprises before 26-year-old staff

. I have been a "love card family." After graduating from college, many students work to banks, each a bank to issue cards engage in any activities what, I will be the first time get the message. I Qiazhiyisuan, do credit cards, no annual fee, can be sent to brush over several gifts, if not used, then cancelled out a few months, net profit equivalent to a gift. So within a short period of two years, I do nearly 10 credit cards. Home run display a variety of gift cards supplied, a vacuum cleaner, stereo, electric toothbrushes, cartoon toys and so on. Although attractive gifts, but I gradually found that the "the world no free lunch" has a point.

. some cards that are not revenue "in charge", but it will be fabricated and charge you, "SMS notification service custom fees," you open a card, you will default to order the service for three months, would like to retire, at least Such as three months after it. Some tell you brush over several years to avoid charges, but did not tell you is not a per card account but should brush for a certain number of times. Some of that is integral for gifts, but no clear terms of the banks tell you that in their system, there are many uses.can not be counted as points. I always feel that the open Pi Gazi there are so many bank cards, the Tingyoupaitou. However, because many banks have hidden in the terms of Cary, said Bian Jiubian these provisions, on the day that Kouqian Kouqian. So the most the past six months, I would like to approach me in the hands of a write-off of a card swap.

. But wages card, you do not want to have to be, and we now, the wages of cards, each team.to platoon leader, but what a fee, it is always-in front, we use Down all the cards complaints. Interbank now the fees and charges, the card is the first, caused a public outcry. Recently launched a company named, elected by the people rather prefer the bank, then the company will be integrated to everyone's views, change Now the bank cards. We all feel that the very act of humanity.

. emergency detention, to be capable of

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. University, I have first card and then slowly, I have a second, third, in fact, a student of us, how can there be any Qiana, left school When I put in the hands of a card-selling out, because I know that I can not use them. Optical a card, money is of no use.

. last year, I have the first wage cards, not pretty, but practical, each Money on credit, a monthly check. Formidable because of money, so the honor to become a "Moonlight owners." Finally, could not help, and colleagues organized a credit card. From the use of money each month than the original to Shuangqi point.

. use Card for a long time, has not encountered any trouble, but by many of their bounty. A few days ago heard that the increase of 0.3 yuan for interbank fees, I do not over-react, not only remember that the next query interbank It. As for the emergency, the money, then withholding it. Sanmao money, no big deal.

.. clear from the beginning of fiscal bank cards

. . sea fish

. two years, but I did not have the concept of financial management, in the end how much money their fundamental Gao Buqing. Dispersed money in various accounts, when the need arises Go.. In the field of parents asked me how much money, I only seek help at the last moment, to query on the ATM machine, but now even the interbank enquiries to the charges. So, I did not, such as urging parents to consciously To start cleaning up the accounts.

. As the saying goes, "you do not fiscal, financial ignore you." For the Chushe Help me, it is also important knowledge of financial management a required course.

. fiscal my three-step plan: First, the integration of bank cards, with more than one card. Leaving only himself to be the bank cards, such as wages cards, loan accounts and personal savings accounts. This can be avoided small savings accounts, fees and charges. The second step, using telephone banking, on their day-to-day expenses for record. Although the precise Folks unnecessary, but largely on their own to understand the financial situation. The third step is to understand the savings bank species, increased deposit accounts. In fact, there are many varieties bank time deposits, interest is higher than the demand of many. At the same time, part of the money "will", can also prompt us to planned spending, to avoid on Moonlight. In addition, the network's popular on the financial management software is also very practical, you can choose a suitable own to try out.

. I think, since the bank card charges have been unavoidable, our small people can only actively to adapt to it. Formulate a plan for their financial management, to achieve their own lives Goals. (/ Yu-Ting Chang)