Overseas burst buy sequelae understand these easy response-9c8947

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Outside the "burst buy" sequela understand these easy to deal with each reporter Wang Xintian when the new year we are talking visiting relatives, now is the ratio of the passport endorsement of the seal, and people in foreign countries "explosive force buy" has long been known to the world. After the Spring Festival holidays, with people may accumulate foreign coins to worry about, or do not pay attention to the repayment of foreign currency trap, the "daily economic news" reporter summed up a few small coup, easily solve your overseas return sequelae. Whether you save three extra foreign coins of outbound countries or regions where, most will use the local currency, just a few days to be familiar with all kinds of face value of the foreign currency is not easy, most tourists headache or those money change after the small coins, the "little guy" in his pocket in the flower is not convenient, it is not agile. If you want to return to the bank after the exchange, will be rejected. "Daily economic news" reporter learned that domestic banks basically rejected these coins, mainly because the coins can not identify true and false, and the storage cost is too high. At the same time, the foreign exchange of domestic banks should be transferred abroad, and the foreign banks only accept the whole bundle of coins, while the domestic banks need a long time to collect a certain amount of coins. In addition, the coins, especially coins, because of the small value, heavy weight, large volume, but also stacked into a stack, time-consuming and laborious, if by air transport, the cost of transport abroad is much higher than the paper currency, so most banks are reluctant to handle this business. What should we do when we receive these overseas coins? The reporter for you summed up the following rescue coup: 1, before returning home, spent 2, Many a little make a mickle. in advance; before returning to the foreign coins together, such as exchange note, after returning to the exchange for the return of foreign currency debt or credit card; 3, after returning to give to your friends. Credit card foreign currency repayment is particular, in addition to using cash, overseas travel brush credit card is also gradually popular, but the repayment of the bill estimated you dare not see. However, today’s domestic banks have been very humane, if you accidentally brush pop card, you can choose credit card installment repayment. But if you have excess income during the period of installment and want to pay off the balance in advance, you don’t put money into the account directly. Many banks customer service said, if the customer is not through the repayment way, but directly put money into the credit card, the system will default into cash, credit card consumption in the future can be used priority, but take out but need to charge fees. If you want to pay off the installment fee, you must call the customer service hotline in advance to apply for the project. Once the project is combined, it can be paid off once. Otherwise, the amount of the installment will be automatically drawn from the account on the day of repayment. In addition, many people like to apply for credit card automatic repayment business, credit card and debit card binding, automatic repayment. So, if credit cards consume foreign currency, can we still wait for automatic repayment? Generally, credit card foreign currency automatic repayment is not the default. This is because the cardholder usually chooses the RMB account when filling in the form of the automatic repayment account

境外“爆买”后遗症 了解这些轻松应对   ◎每经记者 王心田   小时候大家过年聊的都是串门走亲戚,现如今比的却是护照本上签注的印章,而国人在国外的“爆买”力早已闻名世界。春节假期结束后,满载而归的人们可能为越积越多的境外硬币发愁,或是没有注意到外币还款的陷阱,《每日经济新闻》记者总结了几个小妙招,轻松解决你境外归来的后遗症。   三招拯救多余境外硬币    不管你出境游的国家或地区是哪里,大都会使用当地的货币,短短几天就要熟悉各种面值的外币本就不易,最令游客头疼的还是那些花钱找零后越积越多的小面值硬币,这些“小家伙”装在口袋里不方便,花起来也不利索。如果大家想回国后拿到银行兑换,更会被拒绝。   《每日经济新闻》记者了解到,国内银行基本拒收这些硬币,主要是因为硬币无法鉴定真假,而且保管成本太高。同时,境内银行外汇要转存境外,境外银行只收整捆的硬币,而境内银行需要很长时间才能收集到一定数量的硬币。此外,零钞特别是硬币,因为币值小、分量重、体积大,还得码成叠卷成摞,费时费力,如果通过空运,到境外的运输费用较之纸币高出许多,因此大多数银行都不愿办理此项业务。   那么收到这些境外硬币应该怎么办?记者为你总结了以下拯救妙招:1、回国前,积少成多提前花掉;2、回国前将境外硬币整合起来,兑换成等面值纸币,回国后兑换或用于归还信用卡外币欠款;3、回国后赠送给好友。   信用卡外币还款有讲究    除了使用现金,境外游时刷信用卡也逐渐流行,但还款时的账单估计你不敢看。不过,如今国内银行都已非常人性化,如果不小心刷爆卡,还能选择信用卡分期还款。   但假如在分期付款期间,你有了多余收入,想提前一次性还清余款,则并不是直接把钱还进账户就了事。   多家银行的客服表示,客户如果不是通过还款方式而是直接将钱存入信用卡,系统会默认为存入现金,今后刷卡消费时可以优先使用,但是取出却需要收取手续费。如果想要一次性还清分期付款剩余费用,必须事先打电话到客服热线进行申请,将分期项目合并后才可一次性还清,否则还款日当天还是会自动从账户划走分期付款的额度。   另外,很多人都喜欢办理信用卡自动还款业务,将信用卡和借记卡绑定,实现自动还款。那么如果信用卡消费的是外币,我们仍然可以坐等自动还款吗?   通常,信用卡外币自动还款并不是默认的。这是因为持卡人在填写申请自动还款账户表格时,一般会选择人民币账户而不会注意勾选外币账户,银行会默认自动还款仅针对人民币账户,而外币账户需要自行购汇还款。   闲置外币能理财    沈小姐是个“海龟”,回国工作以后,每逢假期就会带上家人或者邀约朋友去国外旅游,释放疲惫的身心。可是前前后后走了好几个国家,每次回国都会留下多余的外币没有用完,几年下来只能在家“压箱底”。   除了沈小姐这样的境外游人群,留学生及其家长也是外币持有大户。如果外币持有到一定数量,这些钱就可成为外币理财的资本了。   据理财专业人士介绍,外币理财的主要方式是定期外币储蓄和购买银行外币理财产品。其中,购买外币理财产品的优势较为明显。定期外币储蓄存款业务各大银行均有提供,其特点是风险低、收益稳定、具备一定的流动性。一般来说,起存金额不低于人民币50元的等值外币,定期储蓄期限分为一个月、三个月、六个月、一年、两年等。不过目前外币定期储蓄的利率较低。   银行外币理财产品,一般则是欧元、美元、澳元、加元等国际货币。这些产品都有一些投资条件,例如某行美元产品一般起点是5000美元,有的产品达到1万或2万美元,追加部分一般是100美元递增,也有1000美元的。   据证券之星外币理财产品统计显示,目前预计年收益率最高的是汇丰银行(中国)发行的美元产品,委托期都在6个月以上,起始金额都为2万美元。   另外,目前银行发行的外币理财产品很多是保本型产品。值得关注的是,一般外币理财产品往往没有提前赎回权,投资者需要观察提前终止条件。 进入【新浪财经股吧】讨论相关的主题文章: