Cards can be swiped.

1. Consumption on the billing day

The credit card billing date is the day when a transaction is billed. You can also understand it as the date when the current transaction is recorded. Transactions on this day are usually recorded on the next day and will be included in the next bill, and will be repaid on the next repayment date. Therefore, you can enjoy the longest interest-free period. Consumption on the statement day can directly enjoy the bank's longest interest-free period, with no operating costs and is simple and easy to understand.

2. Apply for installments after consumption

After consumption on the billing day, you have already enjoyed the longest interest-free period. The payment date is extended. The disadvantage of this is that you have to pay a small installment fee, but compared with the interest calculated on your late repayment, the cost is basically negligible. Moreover, the number of consumption can be calculated by installments, and the annual fee is also waived.

3. Modify the billing date

Assume that the original credit card billing date is the 12th of each month and the due repayment date is the 1st of each month. If a certain amount is consumed on June 12, a bill will be issued on July 12, and the payment must be made before August 1, with an interest-free period of 50 days. Cardholders can change the credit card statement date on July 11 to the 10th of each month, and the 28th of each month will be the credit card due date. Then, the cardholder’s consumption on June 12th will be billed on August 10th, and the cardholder can repay it before August 28th. The interest-free period for this purchase has been extended by nearly one month.

4. The wonderful use of no handling fee for the refund of overpayment by credit card

Some banks (ICBC, Guangfa, Shanghai Pudong Development, etc.) are free of handling fee for the refund of overpayment by credit card. After the New Deal, All major banks will cancel handling fees for overpayment refunds. At this time, you can use your credit card as a "money transport machine".

5. If you want to earn points for online shopping, apply for an online shopping co-branded card

Most credit cards do not earn points for online purchases, but some banks’ Taobao UnionPay cards will work fine if you use Alipay. There are points. For example, the Taobao co-branded cards of CITIC and Ping An have online consumption points, and the points can be directly converted into Alipay points to directly redeem cash on Taobao purchases. In addition, Jingdong Xiaobai Card can also be applied for.