What should I do if I don’t have the money to pay back my credit card on the final payment date? Failure to pay it back means that my credit card will be overdue, which will affect my personal credit record. In fact, card friends can use two credit cards to repay each other. Today I will tell card friends how to repay each other with two credit cards.

1. Withdraw cash by credit card. You can directly use the limit in one of the credit cards to withdraw cash from an ATM or counter. This is a more formal way. However, the bank will charge a handling fee and a daily interest of 0.05%. Each bank has different rules regarding the specific withdrawal fees. Using this method, the cardholder needs to keep track of the billing dates and repayment dates of the two credit cards.

Tip: The billing date of card B must be the same as the repayment date of card A, and the billing date of card A must be the repayment date of card B. For example, for Card A, the bill date is the 19th and the repayment date is the 9th; for Card B, the bill date is the 5th and the repayment date is the 25th.

2. Use another credit card to swipe a friend's card and let them pay their own cash. The cash received can be used to repay another credit card, which is suitable for smaller repayments.

3. Use a credit card to swipe orders at the merchant's POS machine. The merchant will give you cash. This is actually a credit card arbitrage behavior. In addition, credit card cash-out merchants have many customers, and the POS machines of cash-out merchants are easily targeted by banks, which may cause cardholders to have their cards blocked by the bank.