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给手中的卡做过功能规划后,必然要将不必要的卡清除掉。现在有些银行已经开始收管理费。别忘了给存折、银行卡做档案,摘记开户行、卡号、开户时间、功能设定、密码等信息,卡万一丢了,挂掉也方便。

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就信用的文化特征来看,不同的文化背景对信用具有不同的理解。在中国传统文化背景下,借债始终被认为是在不得已的情况下做出的选择。人们常常将债务称为“饥荒”,即只有到了饥荒的时候才可以借债。在消费上,将‘“寅吃卯粮”视为“恶习”,主张禁欲节俭和量入为出。在西方文化背景下,情况则大为不同,人们对透支习以为常,超前消费成为普遍现象。尽管信用的产生是人类社会发展的共同规律,“诚实守信”是人类普遍认同的美德,但是,不同的文化对信用的理解存在差异,体现出信用的文化特征。
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“其他信息”起到的作用是提高申请者的评分以增加“过件率(术语,审批通过占者/所有申请人即为过件率)”,如果有,则填写。若没有,切忌乱填。

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(四)持卡人应妥善保管自己的卡片和密码。发现密码可能被泄露应及时进行修改。信用卡遗失后,持卡人应及时通过客户服务电话或发卡机构认可的渠道办理挂失,手续办妥后挂失即时生效。挂失前所形成的损失,由持卡人自行承担。如因持卡人提供信息有误或持卡人不配合发卡机构调查情况等持卡人原因导致不能及时办理挂失的,发卡机构不承担责任。

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