10 steps for using credit cards correctly:

1. New cards cannot be swiped out at once, and consumption categories must be increased. 2. Do not make long-term purchases at fixed merchants or discount merchants for several months. 3. Don’t use one card on a fixed date and swipe it out on the same capping machine at the same time. 4. Do not conduct transactions beyond normal hours. 5. Do not use Alipay for payment within a short period of time. 6. Don’t let your credit card remain empty for a long time. 7. Use your own credit card, do not use your own POS machine. 8. Integer single transactions are not allowed. 9. The same card cannot be used on multiple terminals in a short period of time. 10. The card cannot always enter the wrong password.

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back.

Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with the merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards where the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit cards It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.