If you have two credit cards, you can set the billing dates of the two cards to the early and late days of each month respectively. For example, the billing date of credit card 1 is set to the 13th of each month, and the billing date of credit card 2 is set to the 13th of each month. The day can be set to the 28th of each month. In this way, you can swipe credit card 1 from the 14th to the 27th of each month for consumption; and swipe credit card 2 from the 29th to the 12th of the second month for consumption.

With a credit card, it involves setting the billing date. If there is only one card, no special settings are required.

1. Two cards can form the longest interest-free period. For example, for the first card, the billing date is the 5th and the repayment date is the 25th. For the second card, the billing date can be the 20th and the repayment date is the 10th. In this way, after the second card is billed, you can swipe the card and pay the first card in time on the 25th. Similarly, after the first card is billed on the 5th, you can swipe the card and pay the second card in time on the 10th. Card repayment. The limits of the two cards should be about the same to facilitate repayment and not cause cash flow problems (to avoid being tricked by cash loans).

2. If you have three credit cards, you can set the billing date as the 1st, 10th, and 20th. Just remember to use the credit card with the billing date that just passed when you swipe your card for consumption!

3. If there are four or more credit cards, the billing days can be evenly distributed throughout the month, or they can be concentrated on the 5th, 15th, and 25th (the billing day of most banks cannot be 25th) Days after the number), pay attention to allocate the card limit evenly.

Detailed process for applying for a credit card

1. Fill in the application form: Applicants for credit cards must first fill in a detailed application form, which details personal identity information, Basic information, financial status, etc.; help the bank review this;

2. Bank review application information: After the user provides detailed information, the bank will review the rest. If the bank deems the user information to be true and detailed after completing the review. It is possible to approve the user's credit card application. If the information is false, the bank will directly reject the user's credit card application;

3. The bank will open an account for the applicant: If the credit card information is passed, the bank will notify the applicant. Come to open an account and open a new independent credit card account for them;

4. Card production and card issuance: After the applicant completes the account opening, he needs to go home and wait for a few days. The bank will then notify the applicant to come to the bank to collect the card or Mailed to applicant.