It varies from person to person, how to use it depends on your needs;

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First, credit card processing. You can bring your ID card to the bank, or you can apply at some payment platforms or banks in official website and mail it home, but you still need to bring your ID card and card to the bank for activation.

Second, credit card activation, just follow the steps in the bank, remind me to ask the amount and annual fee. The annual fee of some cards is relatively high, or they can be exempted from the annual fee through some additional conditions, such as how many times to spend at least a year. For example, a credit card of Ping An Bank has an annual fee of 300 yuan, but it is exempted from the annual fee if it is spent more than six times a year. You can consult the bank staff directly.

There are several points to pay attention to when using credit cards:

1, spending more on credit cards. The main purpose of credit card is to spend money by swiping the card, and you can enjoy an interest-free period for a certain period of time, and sometimes there are some discounts. In addition, the accumulated points of the annual fee-free credit card are related to the number of swipes, so you should always use the credit card to spend.

2. You can enjoy the longest interest-free period by swiping your card after the bill. The interest-free repayment period of credit cards is from the date of consumption to the final repayment date, with the longest and shortest difference of one month. You can enjoy the longest interest-free period by swiping your card after the bill is paid.

3. Try not to withdraw cash by credit card. Credit card overdraft withdrawal fee is high, so you can't enjoy interest-free period. The withdrawal amount is calculated according to the daily interest rate of five ten thousandths, and the withdrawal fee ranging from tens to hundreds is deducted. Therefore, don't overdraw for cash withdrawal in non-emergency situations.

4. Repay in full and on time. If the repayment is overdue, the bank will not only charge overdraft interest, but also pay late fees, which will seriously cause bad credit and cause a lot of inconvenience in applying for loans in the future.

5. Only pay the arrears to avoid deposit overflow. The overpayment part of the credit card is the part that the credit card holder deposits more after paying off the arrears. Credit card overflow deposits will not generate interest. If you want to take them out, there will be additional handling fees (and a few banks will not charge them), which is really not cost-effective.

6. Use credit cards reasonably by stages. Credit card installment will generate extra expenses, so don't abuse credit card installment. The above is my relevant experience, I hope I can help you.

Just bought a new car, CCB issued a 1 credit card to the car dealer. What is this card for? No, is that okay?

No, it can be used to repay the loan, and it can only be paid monthly. When the loan is repaid, it will be invalid, and so will my Agricultural Bank card. When you buy a car, the credit line is used up at one time, and then you can repay it in installments.

How much is the discount for CCB credit card car dealers?

1, double points for oil change (credit card consumption points can double the fuel fee, starting from 50,000 points, it is converted into an integer multiple of 1000, and the conversion ratio is 4‰, that is, every 1000 points can be converted into 4 yuan RMB. )。

2. Preferential car wash service (if the consumption of car wash card meets certain conditions, you can enjoy preferential car wash service once a week at designated car wash outlets. When the retail price of car wash service is equal to or lower than 15 yuan, customers can enjoy car wash service for free; When the retail price of car wash service exceeds 15 yuan, the excess will be paid by the customer's car card points (the conversion ratio is 4‰, that is, every 1 0,000 points will be converted into 4 yuan RMB), and if the balance of points is insufficient, it will be paid in cash).

3. Free road rescue (free access to national road rescue services, including on-site quick repair, replacement of spare tires, electric pumping and towing at 15km (3 times per item per year)) and other three basic rights and services.

Extended data:

The credit card dealership of China Construction Bank is the IC credit card of Communications Dragon Card of China Construction Bank. If it is not activated, there is no annual fee. If activated, the annual fee will be 200 yuan, and the card face has the word auto. You can't reduce the annual fee by swiping the card or withdrawing cash for a certain number of times.

However, this card enjoys the rights and interests of a car card, such as preferential car washing once a week, double oil change for points, free road rescue and so on. Therefore, it is more suitable for customers who often drive.

The card with the words "Car dealership in the world" is the traffic dragon card of CCB. The car version of this card will have the word "AUTO" on its face, so you can pay attention to it. If not, then it is the standard version of the traffic dragon card.