9 a.m. to 10 p.m. According to CaiMo.com, the best time to use credit cards every day is during the normal opening hours of merchants, that is, from 9 am to 10 pm. In addition to 24-hour supermarkets and hotels, many shops are not open before 9 o'clock, and Many shops are closed after 10 pm. If you swipe large amounts of credit cards during non-business hours for a long time, it is easy to trigger bank risk control. Therefore, the best time to swipe credit cards is from 9 am to 10 pm.