how to use multiple credit cards (debit cards)?

1. It's best to handle the credit card (debit card) separately, and set the repayment date to different times.

2. Don't concentrate on the same card when buying goods at ordinary times, but share it among several cards to reduce the repayment pressure;

3. If you apply for credit cards (debit cards) from multiple banks, you must clearly remember the billing date of each card, so that you can know the longest interest-free period.

4. When we go out to eat with friends, go shopping or go on a business trip, we can use a credit card (debit card) to pay for it, and when we finally come back, our friends will repay us in cash, and the company will reimburse us in cash, so that we can use the reimbursement and the money returned by our friends to pay back the credit card (credit card), and the credit points in the card will also increase.

5. You can compare which bank's credit card (debit card) has the highest interest, and you can pay back the credit card (debit card) of the bank with the highest interest first.

Skills of using multiple credit cards

Question 1: The repayment skills of two credit cards should be spent as far as possible after the bill date of each credit card, so as not to enjoy a longer repayment period;

the billing date of your A card is 19th, and the repayment date is 8th and 9th; Then I suggest that the billing date of your B card is set to 5 or 6 days, and the repayment date is 25 or 26 days. Then when you repay your A card, you can cash out your B card to repay it; When B card repays, A card can be used to cash out the repayment;

question 2: how to use two credit cards skillfully? First of all, don't try to return cards with cards, which is the most important thing, because this operation is equivalent to pouring water into a perforated bottle, which is not a long-term solution.

However, it's totally possible to manage money reasonably with a credit card. Today, I'd like to introduce it. This is not a copy of other people's answers, but my personal experience.

First, understand the two concepts. Credit cards have a billing date and a repayment date, generally with a difference of 2 days (this period is equivalent to you enjoying the interest-free loan from the bank). If you charge your account on July 1st, you should generally return it on July 21st, which is the basis.

Secondly, credit cards are settled according to billing date and repayment date, not according to January 1st of natural month, so customers have the opportunity to use a long interest-free period, and the shortest 2-day and longest 5-day interest-free period advertised by the bank is thus generated. For example, if there is a card with billing date 5th and repayment date 25th, then if you swipe your card on June 6th, you can only charge it to the bill on July 5th, and then repay it on July 25th.

Third, using the above interval between billing date and repayment date, and if you have two or three credit cards, you can reasonably decompose the repayment pressure. For example, if you have three cards:

Card A has billing date of 1th and repayment date of 3th;

the billing date of card b is 2th, and the repayment date is 1th of the following month;

the billing date of card c is 3th, and the repayment date is 2th of the following month.

then, in the middle of January, you swipe your C card on the 1st to 1th, A card on the 11th to 2th and B card on the 21st to 3th of this month, which can effectively alleviate the cash shortage.

Of course, in the final analysis, you have to pay back when you use a credit card, so although there are ways to manage your money, you should live within your means and balance your consumption.

question 3: how to set the billing date for two credit cards? If the repayment date of credit card can be changed, there are two principles for you to consider: but it does not include the mutual overdraft repayment you mentioned, which is definitely not counted.

one principle is that it corresponds to the income date, and it is applicable to the fixed income date, that is, it is best to repay the money exactly on the second day of salary. The reason is self-evident.

the other is to enjoy the maximum interest-free period, which is applicable to those whose income date is not fixed, or who do not need to rely on the income with a fixed date to repay (for example, there is enough deposit for revolving). In this way, it is best that the difference between the two cards is half a month. In this way, the card that has just passed the billing date can enjoy at least 35 days (assuming that the billing date is 2 days to the repayment date, plus half a month of the billing date of another card), and the maximum is 5 days. For example, the billing date of two cards is one on the 5th, the other on the 2th, the former one is used from the 6th to the 2th, and the latter one is used from the 21st to the 5th.

Question 4: How to use two credit cards more reasonably? Change the second repayment date to the 1st of each month and give points.

Question 5: How to deal with multiple credit cards? You can log off.

The cancellation method is as follows:

Telephone banking cancellation:

Credit cards can be cancelled through telephone banking. If the credit card can only be cancelled by phone on the premise that it can be cancelled, call the corresponding bank customer and cancel the account according to the prompt input and information.

bank counter cancellation:

(1) Bring valid certificates, such as ID cards and credit cards.

(2) get the reservation number from the bank and queue up

(3) explain to the service staff that you want to close the account, give the credit card to the bank staff and fill out the relevant application.

(4) the credit card account is closed.

Note:

If the credit card is lost, you need to reissue a credit card first, and then cancel the account, and the card fee will be charged for the replacement card;

A credit card cancellation account must withdraw the balance on the card and ensure that there is no debt on the card.

question 6: can multiple credit cards be cashed out of each other? Thank you for your answer! Yes, but with skill, the consequences of operational mistakes are very serious. I have been in this business for 7 years and know a little.

question 7: how to cash in a large number of credit cards, just pay the handling fee. You can apply for a POS machine yourself, and you can also pay the handling fee to the boss who knows how to do business. My friend swipes 9 and gives others 1 handling fees, but it is illegal to swipe too much.

Question 8: How to recycle three credit cards in public places is inconvenient to explain in detail.

Question 9: How to use multiple credit cards to repay in a cycle? Hello, here are the methods, but all of them have to pay a handling fee, because the general spirit is to withdraw cash, rob Peter to pay Paul, but all of them have to pay interest, so it is best to repay in full. If you don't understand, you can ask me

First, use the first card to withdraw cash and return the second credit card, and then use the second card to return the first credit card. If there is too much difference between the cash withdrawal limits of the two cards, you should repay (reverse) them several times, of course, you must repay between the billing date and the final repayment date of each card.

second, when the credit card has no money to repay, you can also use the method of "four or two thousand dollars". Of course, the premise is to pay a fee. You can use 2 yuan to pay off 4(N 2) credit cards. Pay back 2 first, take it out the next day, and deposit it again immediately, which is equivalent to paying back 4 for two times, and so on. The expenses should also be paid together.

third, the handling fee, depending on which bank you are a credit card, is basically 1%, and the minimum for a single transaction is around 1 yuan. Some banks start to calculate the interest the next day, that is, the interest of 2, yuan per day in 1 yuan. Because the credit card does not allow direct transfer to another credit card for repayment, it can only be repaid in this way, of course, it has to pay a little. If you pour 2, yuan for a month, every time you pour it, you will have to pay a handling fee of 2 plus interest of 3, which is about 5 yuan.

fourth, there are several ways, but they all cost money. If you don't want to pay any money, you can repay the money, so you don't have to open the bank. Compared with the situation that the bad record of overdue repayment is kept for seven years, which will have an impact on future loans to buy a house, credit loans, credit cards, etc., these methods can help you avoid bad records, because the premise of these methods is that you can't repay in time, right? If you have money, these methods are all floating clouds. I hope you understand what I said.

1. The first method above refers to withdrawing cash and returning another card if the credit card limit allows.

second, if there is no cash withdrawal limit, you can use one card to cash out (of course, this is illegal and risky) and return another card. If the cash-out consumption is not found by the bank, it can be made into installments. Of course, the cost of the loss is more or less, depending on your balance. You can also learn and use the specific methods.

third, looking for a credit card advance repayment institution is risky and may cost a lot, which varies from place to place.

fourth, if there is no cash withdrawal limit, you can ask someone to borrow some, then repay them in turn, and finally take them out and return them to others. This belongs to the nature of finding someone to return it.

Question 1: What are the tips for using credit cards? Don't always swipe your card correctly, and spend it in supermarkets or hotels.

Also, don't empty your card and brush it up to 7% at most, so as to repay it on time, which will increase the amount quickly.

How to manage multiple credit cards? Four tricks and tips will help you once and for all.

It is a good thing that there are more credit cards, which can meet the consumption needs of all card users, but the problem is that there are more cards to manage. Here are a few tips for managing credit cards, so that everyone can do it once and for all.

First of all, you have to have a credit card. I have four credit cards in my hand. At first, I felt very good, but later I found that I didn't know how to manage them, so I often confused the repayment date. Is there any good way to make me do it once and for all?

There are naturally some ways to reply about the management of multiple credit cards, such as setting the reminder of repayment date and downloading the mobile banking of each bank, but simply cancel the unused credit cards. Let's take a look.

1. Set the repayment date reminder

Many application software on the mobile phone can set the alarm clock reminder, such as 36 browser, Chinese calendar and other software, as long as the monthly billing date is set on it, and then remind a few days in advance.

2. Download the mobile banking client

The advantage of downloading the mobile banking client is that it can automatically repay, and you can also check the billing date and repayment amount of the credit card at any time, which is very convenient.

3. Pay attention to the micro-signal of credit card banking

This skill is actually similar to that of mobile banking. You can check the billing date, quick repayment and other information on it, which is also very convenient.

4. Cancel the credit card that is not frequently used

If the credit card is not frequently used, an annual fee will be charged. If it becomes sleep card, it may be reduced. It is recommended that you cancel the credit card that is not frequently used. Usually, three credit cards are enough to cope with various emergencies.

how to use multiple credit cards to repay each other

how many credit cards are used to repay each other, also known as keeping cards with cards. This can only be used to relieve stress at special times, and it is not recommended to use it frequently, which may easily lead to overdue risks and increase your own burden. The principle of this operation is as follows:

If you have three credit cards, it is best to stagger the repayment dates of these three credit cards in order to realize mutual repayment of several credit cards. For example, the repayment date of credit card A is set to the 2nd of each month, the repayment date of credit card B is set to the 17th of each month, and the repayment date of credit card C is set to the 1st of each month.

when credit card a arrives on the 2nd, it needs to pay back 5, yuan, and the cardholder can withdraw 5, yuan with credit card b to pay back credit card a; On the 17th, B credit card needs to repay RMB 537.5 plus interest, and the cardholder can use C credit card to withdraw RMB 537.5 to repay B credit card. In this way, the cardholders can repay each other through several credit cards without using their own funds, which can ensure that several credit cards do not owe money and will not affect the revolving credit.

but according to this principle, it can be seen that although several credit cards can repay each other, the more times and the longer the turnover, the more expensive the interest will be.

This repayment method and the way that you borrow cash from a credit card in advance and then repay it may only save the monthly compound interest, and the daily interest actually accumulates day by day. Moreover, the general bank's credit card cash advance service is subject to a handling fee, and there is a limit, so this operation is also complicated, so it is recommended not to adopt this method unless it is particularly necessary for emergency.

how to use more than one credit card is enough.