Many people have several credit cards in their hands, but not many people can really use them. Many card friends have not mastered the skills when swiping cards. On the surface, they have made a bargain, but they are not. Let's take Jinsui Ctrip Travel Credit Card as an example to teach you how to use it most cost-effectively. tip 1: consumers can enjoy the longest interest-free period on the billing date. the billing date of Ctrip credit card issued by ABC is the 23rd of each month, and the last repayment date is the 17th or 18th of each month. the period from the billing date to the last repayment date is called the interest-free period of credit card. The so-called interest-free period refers to the period from the time when you spend money by credit card to the date when the consumption is due for repayment. If you repay the money on time during this period, the bank will not charge any interest. The interest-free period of ABC's credit card is as short as 2 days, and as long as 56 days. The specific time depends mainly on the time when you swipe your card from the due repayment date. To enjoy the longest interest-free period of 56 days, you can swipe your card on the day of the credit card billing. The consumption accounting of credit card swiping on the billing date is included in the next bill. If your billing date is 23rd of each month, the due repayment date is 17th of each month; There is a consumption on August 23rd, and you need to repay it on October 17th. The interest-free period is 56 days.

Tip 2: Modify the billing date and extend the interest-free period by one month. Credit cards of China Merchants Bank, Bank of Communications, China Construction Bank, Xingye, Huaxia, Minsheng and other banks can provide the service of modifying the billing date. Cardholders can use this function to modify the billing date of their credit cards and extend the interest-free period by one month. However, the billing date of ABC's credit card is fixed, so it cannot be modified. In other words, this method can only be used on credit cards that can modify the billing date, which is the most cost-effective.

tip 3. don't let go of the bank's credit card wool. some people apply for credit cards just for discounts. how can the credit card wool be ruined? Agricultural Bank of China credit card has several very good activities: 1. From August 1, 216 to August 31, 216, you can enjoy a discount of 4.1 yuan every Saturday with the Agricultural Bank of China credit card to swipe your card at the activity store of Pizza Hut Happy Restaurant. I want to remind you that this activity is time-limited, and it will be gone by the end of August. 2. From January 21, 216 to August 31, 216, you can enjoy the discount of 3 yuan reduction every Saturday with the UnionPay credit card of the Agricultural Bank of China (starting with card number 62, with the UnionPay logo on the card surface) to Watsons' activity store in 12 yuan, and this activity will also be gone by the end of August. 3. From January 1, 216 to December 31, 216, you can enjoy a 1% discount on self-driving car rental and special car transfer with the Agricultural Bank of China credit card. Card friends who like go on road trip should not miss this activity. Jinsui Ctrip Travel Credit Card