1, sort out the credit card bill. The billing date and repayment date of each credit card are different. In order to facilitate management, you can use your mobile phone to remind you that you have enough time to prepare for repayment, and repay it in time, without overdue or interest.

2. Use the credit card skillfully to avoid the annual fee. At present, most credit cards (except platinum cards) are basically exempt from the annual fee for the first year after opening, and the annual fee for the next year can be exempted if you swipe your card a certain number of times a year (3, 5 or 6 times). If you have n credit cards, you need to swipe 6 credit cards n times in order not to pay the annual fee next year.

If there is still a big gap with the free annual fee, you can sign in at the micro store with two mobile phones every day to get points. If you save enough points, you can deduct 2 yuan when recharging the phone bill, and you can use 200 points every day, so that the phone bill of almost 100 yuan can be recharged five times a month, which not only easily accumulates five credit cards, but also can deduct the phone bill, killing two birds with one stone.

3. Don't consume easily. Rational consumption is superior to perceptual consumption.

4, not by stages.

5. Cherish the interest-free period. The interest-free period of each credit card is different, some are longer and some are shorter. In order to make better use of the interest-free period, you can adjust the billing date of different credit cards.