【信用卡知识了解】美国人怎么用信用卡？

供商品破损保护。

　　点评：

　　貌似国内没有这一项。

　　5/ Many credit card companies offer payment due date reminders. Sign up for these reminders to avoid being charged a late fee.

　　设置还款逾期提醒，按时还上信用卡不被收利息。

　　点评：

　　国内的还款提醒做的不好，不少银行是还款日之前7-10天左右提醒一次，3天内提醒不多，容易因为忘记还款导致逾期。

　　Use it to build your credit history

　　建立信用历史

　　One of the main advantages of having a credit card is that it can have a positive effect on your credit score when you use it wisely. By using your credit card regularly and making your monthly payments on time， you can build a solid credit history that tells potential lenders you can be trusted.

　　信用卡最大的好处就是可以按月帮助你建立信用历史，没有好的信用几乎寸步难行。

　　点评：

　　人民银行的征信报告用的地方已经非常多，信用体系会逐渐往美国的方向靠，不累计好信用，生活方方面面都会受限制。

　　后台收到很多宝宝问如何查自己的信用？很简单，微信号「好认信」对接了央行征信报告，关注就可以查。

　　Use it to save money

　　省钱

　　When you consistently pay your bill on time， you can improve your credit score. With a higher credit score， you may qualify for low-interest rates on mortgages， cars and other big-ticket items down the road， which could save you money.

　　如果按时还款，信用分就会不断提高，房贷、车贷等贷款，银行利息就给的少，省钱。

　　点评：

　　信用好，银行给的贷款利息就更低，这就是风险定价。

　　Use it to get rewards

　　各种活动优惠

　　Depending on your card， you can earn a variety of rewards， including：

　　Cash back on everyday purchases， including gas and groceriesAirline miles that can be redeemed for trips or to purchase trips at a discount.

根据你的信用卡类型，你可以