Tricks for flipping two credit cards (credit cards)
The trick for flipping two credit cards (credit cards) is the repayment dates for the two credit cards (credit cards) Staggered, card A withdraws cash and returns it to card B, and card B withdraws cash and returns it to card A. Although it is not a cash withdrawal, the two cards are used back and forth, and the handling fees and interest for cash withdrawals are the losses of the swapped cards. Therefore, this will cause the amount that needs to be returned on the two cards to be higher and higher.
If the user just wants to extend the interest-free period, he can also stagger the repayment dates of the two credit cards (credit cards). Card A will be repaid at the beginning of the month, and card B will be repaid at the end of the month. In this way, the interest-free period will be extended. can be effectively extended.
How to charge back a credit card? Ask God for help.
If you want to exchange cards, just remember the repayment date of each card. Before the repayment date, you can use one of them to transfer the amount to repay other cards. After paying off one card before paying off another card, the operation must be completed before the repayment date. First choose the card with the closest repayment date to repay.
For example, I have three credit cards from Guangda Bank, CCB and Guangfa. The repayment dates are the 14th, 18th and 23rd respectively. Today is the 14th. Since Everbright's repayment date is approaching, we should start by paying back Everbright, pour out the amounts from other cards and pay back, and then pay back Jianshe and Guangfa in sequence. Just make the repayments as per each card's bill.
It should be noted that during the operation, try not to clear every card, and try to retain more than 20% of the quota. One card should have to be swiped out multiple times before returning other cards. The amount of each card swipe shall not exceed 50% of the total amount to avoid risk control.
Card friends can effectively extend the repayment period of their credit cards by doing this. However, the money after overdraft must be paid back, so you must spend rationally and try to control it within your repayment ability
What is the principle of credit card reversal?
When the credit card bill comes out, you only need to pay off the balance between the repayment dates without incurring overdue fees or other charges. So the first reaction of many people is that they don’t have the money to pay it off in one go. In fact, many of us operate like this: the 1st is the bill date, and the 16th is the final repayment date. Then, starting from the 2nd, I will first pay back 5,000 and then withdraw it; on the 3rd, I will pay another 5,000 and then withdraw it. At this time, your 100,000 bill only has 90,000 left, because the bank calculates the repayment based on the cumulative repayment amount of this cycle, rather than requiring you to repay it all at once, which gives us a lot of room for maneuver. Pay off all debt with the minimum amount.
Things you need to pay attention to when transferring cards:
1. When the funds are still there, do not withdraw them immediately. It is best to refresh the page every 2 hours or more, which is suitable for small and diversified businesses.
2. Merchants usually use: catering, department stores, beauty, hotels, bars, entertainment, clothing, etc., but never use building materials, wholesale, jewelry, auto parts. The risks of these industries are controlled by banks. You're operating card reversals, so it's easy to reduce the amount of risk control.
3. If the billing dates between multiple cards are close, call customer service to apply to modify the billing date. First ensure the fund chain, and then consider whether the impact will affect withdrawals. 7 days between settlement dates is ideal.
4. Card merchants choose standard rates. If there are additional fees, hundreds of cards must be swiped every year, which will add hundreds of thousands in fees.
Two tips for tipping over credit cards without loss
Tip tips for tipping over 2 credit cards without loss
Tricks for tipping over 2 credit cards without loss. Credit cards are the most important thing for most of us. We all have them. There are actually many aspects that we need to understand about the use of credit cards. The borrowing and repayment of credit cards are also directly related to us. Here are two tips for using credit cards without loss.
Tip of using two credit cards without loss 1
1. Use two credit cards backwards
How to use two credit cards, this only means that one credit card has been Cashed out, then used to pay off the second credit card, and the balance owed on the first credit card is cashed out by the second credit card, which will enter a cycle and allow unlimited repayments.
Of course, there is no free lunch in the world, and two credit cards must be cashed back and forth at a high price. At present, the normal cost of cash withdrawal by credit card is relatively high. Banks in most areas generally charge a handling fee of about 1%-3% for credit card overdraft withdrawal, no matter where they are.
Of course, if you want to withdraw cash, you need a handling fee to get cash through POS machines, etc. Interest will also accrue on the resulting transaction amount if it is not repaid in full by the repayment date.
2. Tips for lossless reversal of 2 credit cards
First of all, when setting the billing date of the credit card, it is best to set it in the middle or late month, because there are accounts that need to be counted. For example, on May 2, Wang wanted to use his credit card to spend money to buy household appliances. He has two credit cards. One credit card has a billing date of 5 days, and the other credit card has a billing date of 15 days.
If he wants to fully enjoy the longest interest-free period of his credit card, he can do this: the invoicing date of card A is 5 days, then the repayment date is 25 days, and the interest-free period is May 2 23 days until May 25th.
However, the billing date for Card B is the 15th, and the repayment date is approximately the 5th of the next month. If the card is swiped on May 2, the money will be recorded in the current statement, and the interest-free period is from May 2 to June 5, which is about 33 days.
Based on this calculation, the consumption card B chosen by Wang is much more affordable than the consumption card A.
Credit cards have a billing date and a repayment date, usually 20 days apart. This period is equivalent to the interest-free loan you enjoy.
2. Precautions for daily use of credit cards
1. Apply for extension
Many people do not know that if they miss the credit card repayment date, they still have the opportunity to make up for it. They can immediately call the issuing bank's service center to apply for a "delay in repayment." Many banks have this service, and usually they get a 2-3 day grace period, which doesn't affect your credit report and doesn't require you to pay late fees.
2. Say no to unreasonable installments
I believe that many users have received sales calls from banks, and most of them are various installment services. , especially after you have spent a lot of money recently, you will often receive such calls.
3. If you want to get the longest interest-free period, the billing date is the key
In the process of obtaining the interest-free period, Zheng Daguangming transferred all the fixed consumption of the month to the same day. , without any operating costs. It is known that it can get an interest-free period of up to 60 days. In some cases, the bank statement for that day's consumption is included in the monthly statement, so it's safer to swipe it the next day just to be on the safe side.
Tricks for flipping 2 credit cards without loss 2
Tricks for flipping 2 credit cards without loss 2021 (4 tips for flipping back 2 credit cards without loss)
Apply for two credit cards Can I reverse the card? You can replenish your cards. A person from a bank said on TV last time that if you apply for two credit cards, it is equivalent to using one credit card for free. I beg you for a tutorial on lossless cashing out with a credit card, thank you very much.
Four tips for using credit cards without loss 1. It is best for a person to have 1-3 credit cards. This article is suitable for cardholders with normal consumption. Excludes cardholders who use credit cards for cash out and other purposes. Now I have returned to mobile banking to transfer funds or pay off credit cards. After consumption, ask for the card to be returned immediately. In the bank's online mall, points can be redeemed, and credit card purchases can be made in installments without any handling fees.
When applying for two credit cards, can I reverse the cards?
The card can be reversed. A person from a bank said on TV last time that if you apply for two credit cards, it is equivalent to the money you spend using one credit card for free
I pray that the credit card will not be damaged. Cashing out tutorial, thank you very much.
It is basically gone now. In fact, lossless is not good, and the chance of card blocking is very high
3 tips on how to reverse credit cards
I have specialized in this industry for several years. experience skills.
How to use two credit cards backwards
You can withdraw one thousand from one credit card first, and then there will be another one. When you need to pay off the credit card that owes one thousand, you can I took out one thousand from the unused credit card and paid it off, and then repeated the process. You can swipe credit cards
How to use two credit cards backwards? It costs yuan
You need someone to swipe the POS machine by hand, and you need to set up lakalaps to collect it, and then you can use it. After swiping card a, you can pay back card b. Cards and so on
How to use several bank credit cards to pour out some working capital?
1. Buy funds skillfully
Don’t be in a hurry to pay back your salary after receiving it Instead of paying money or depositing it in the bank, buy money market funds, and then spend all your money with your credit card during the interest-free period.
I waited until two days before the end of the credit card's interest-free period before redeeming the money market fund to repay the loan. And now some banks cooperate with fund companies, and money market funds can be set to automatically redeem and transfer them to credit card repayment accounts on a fixed date.
2. Swipe more and get more points
Some professionals have a lot of business activities and only carry a small amount of cash with them when going out for emergencies or for use in places where credit cards cannot be swiped, while shopping and eating If you can swipe a card, swipe it. Especially when traveling on a business trip, all major expenses such as air tickets and accommodation expenses are settled with a credit card. It is simple and quick to accumulate tens of thousands of points at the same time. When you come back to reimburse, you will have an extra amount of cash on hand.
3. Financial Accounting
For many people who do not have accounting habits, cash consumption means unclear accounts. After using a credit card, the monthly credit card statement will list the date, store and amount of consumption one by one, making it clear at a glance. Then check it with the documents you keep in your daily consumption, organize and analyze it, and accumulate it for a period of time. Have a basic understanding of consumption patterns, so as to achieve rational consumption and reduce waste.
4. Working capital
In addition, the flexible use of credit card revolving credit can also help you solve the urgent need for funds in the early stages of starting a business. For example, small business owners constantly advance their own capital to manufacturers as deposits, and they often need a little cash urgently for entertainment purposes during daily business expansion. If you don’t have enough conditions for a loan, it’s hard to repay it on time even if you ask a friend to borrow it. If you apply for credit cards from several banks and use different settlement dates to extend the payment period, you can solve the problem of temporary capital turnover.
4 Tips for Lossless Refunding of Credit Cards
1. It is best for a person to have 1-3 credit cards
This article is applicable to card holders for normal consumption clan. Excludes cardholders who use credit cards for cash out and other purposes. 1-3 credit cards is the optimal number of cards to hold. When there are too many cards, monthly repayments become a hassle. Unless you have set up automatic repayment for each card, you must also ensure that there is enough money in the bound repayment savings card to be used for deductions.
2. You don’t want to have the experience of accidentally remembering the wrong repayment date. The most recent payment date for Guangfa Card was misrecorded, and I didn’t remember the payment until 3 days after the last payment date. Fortunately, GF provides temporary service once a year, so you don’t have to pay liquidated damages.
If the payment is made before the last payment date and the next bill date, generally no overdue credit will be recorded. But missing the final payment date may result in liquidated damages.
3. Bind mobile banking transfer for repayment
The card sister’s Alipay has used up the free transfer limit. Now I have returned to mobile banking to transfer funds or pay off credit cards. Ms. Ka has many CMB cards, one debit card and one credit card, and she has downloaded CMB mobile banking.
4. Let’s talk about the advantages. The transfer is very fast and there are no handling fees. You can also use the transfer to pay off the credit card, and it will arrive in your account in seconds. After a transfer, the system will save the transfer record. You don’t need to re-enter the account number and other information for the next transfer, and the transfer will be done directly on the historical transfer record.
5. Although the amount of handling fees charged by Alipay transfers is not high, the accumulated handling fees will be higher the more times you transfer. It is recommended that everyone download the mobile app of the card issuing bank and use mobile banking transfer to repay.
6. This is the safest way to swipe your card
Nowadays, credit cards are used to steal all personal information on the card, causing economic losses to the cardholder. There are more and more cases. Technology is becoming more and more advanced now, and the method of stealing information can be completed in seconds. We need to pay more attention to the safety of using our cards!
7. Keep the card in your eyes when making purchases. After consumption, ask for the card to be returned immediately.
Affix the last 3 digits on the back of the credit card with a label. To prevent someone from using your bank card when spending money outside, knowing this 3-digit number can use the bank information to steal the card.
8. Browse the bank’s online mall before purchasing
Especially for Apple products, China Merchants Bank, Industrial and Commercial Bank of China, and Agricultural Bank of China all support installment purchases without handling fees, which is particularly cost-effective. Install directly on Apple's official website and repay monthly.
In the bank’s online mall, points can be redeemed, and credit card purchases can be made in installments without any handling fees. Before shopping online, check to see if the product you want to buy is available in the online mall. You can buy it in installments directly with your credit card. There is no handling fee and it is cost-effective.
Tip 3 for lossless reversal of 2 credit cards
How to manage multiple credit cards? Tips for using credit cards
Three things to avoid when managing multiple credit cards:
1. Do not make installments. As long as there are multiple credit cards for installments, the total amount of actual monthly repayments will increase, making you When the pressure increases, if you cannot make ends meet, your capital chain will be cut off.
2. Don’t empty everything, leave at least 10% of the amount. If the amount is too low, leave at least 20%. If the amount is less than 10,000, leave 2,000. If the amount is more than 10,000, leave at least 10%. Pay off the remaining bills within a reasonable period of time. Empty cards with no funds are either overdue or installment, and the latter is just hanging on for a while.
3. Don’t have bill dates too close to each other. Multiple cards are similar, so the frequency of card swiping will be very high every day. If you don’t wake up, you will be stressed and confused. You just put this card into the next one. The next card has to be swiped out to pay back the previous card, which is also easy to control the risk.
Four knowledge points about managing multiple credit cards:
The first point: the order in which the funds you repay are deducted after the credit card bill is issued
First For those who have already issued a bill, and those who have not yet issued a bill, interest, installment fees, etc. will be deducted first on the same bill, and ordinary consumption will be deducted last. As long as there are no other messy expenses, any repayment you make will be offset against the previous period's bill, so why is there a saying of "reversing the card".
Example: 100,000 yuan bill, there is 10,000 yuan left in the card for payment, the bill date is the 1st, and the repayment date is the 11th, then my consumption between August 2nd and September 2nd All bills need to be paid off before September 11th.
I swiped my credit card on the 2nd and the remaining balance of 10,000 yuan came out, and then I paid it back. Because of my repayment, I only had 90,000 yuan left to repay the bill, so I continued to pay it back. , the bill only had 80,000 yuan left, I repeated the operation 10 times, and made 10 cumulative repayments of 10,000 yuan before the last payment date of 11th to pay off the 100,000 yuan bill. Between August 3rd and 11th, Intermittent purchases can be repaid after September 2nd.
The above is the secret of credit card repayment.
Second point: Allocate billing dates for multiple cards
The billing date must be changed. If the billing date is not changed, the billing date of each bank will follow. Then you will have no clue when swiping your card, and then it will be the same. The ground exploded.
I used 9 credit cards as a case study. I would divide them into three groups. The first group has a bill date on the 1st, the second group has a bill date on the 11th, and the third group has a bill date on the 21st, with the repayment date. No need to worry about it, the length of time from the statement date to the repayment date is different in each bank, but at least there are 10 days between the three sets of cards in ours.
If each card is swiped 5 times a day, there will be 5 swipes per day for one group of cards. Starting from 15 transactions, calculated as a small amount of less than 1,000 yuan, at least 10,000 to 10,000 yuan or 50,000 yuan of data are brushed in a day, then a bill of 100,000 yuan can be paid off only about 8 times, and the limits of the three groups of cards should be similar. , otherwise a closed loop cannot be formed.
The limit of group 1 is 100,000, the limit of group 2 is 100,000, and the limit of group 3 is also 100,000. So what happens if I occupy 250,000 funds for a long time and pay a handling fee of 1,800? Next, you can use the remaining 50,000 yuan to manage 300,000 credit card funds. As for whether it is worth it depends on the individual, I will only tell you how to manage it. In actual practice, many people use 10,000 yuan to leverage 300,000 in debt. .
The third point: Understand the time when the card is swiped into the account and the repayment is credited on the bill day
Shanghai Pudong Development Bank: For consumption on the same day, the amount consumed before 9:30 p.m. will be counted in the previous bill All subsequent purchases will be included in the next bill.
ICBC: Consumption on the same day will be included in the next bill.
Minsheng Bank: Spending before 17:00 on the same day will be counted as one issue of bill. After that, it may be the previous issue, or it may be the next issue, not sure.
China Everbright Bank: If you swipe your card before 21:00 on the big bill day, it will be directly included in the bill of that day. After 21:00, the previous bill will be settled one after another, so it is possible to swipe your card between 21:00-24:00 on the day of the bill. It will be included in the previous bill and may also be included in the next bill
China Construction Bank: The current bill will be calculated before 6 o'clock on the same day, and the next bill will be calculated after that.
China Merchants Bank: It is slow to deposit money into the accounts of merchants. As long as the consumption on the same day is calculated into the next bill
Guangfa Bank: The POS machine consumption on the same day is mainly deposited into the account the next day, and the online consumption is Mainly on the same day.
Bank of Communications: If the current day's consumption shows that it is to be recorded, it will not be recorded until the next day to calculate the next period's bill. If it shows that it is recorded, it will be the current period's bill.
Repayment system entry time on the repayment day:
Shanghai Pudong Development Bank: There is a 3-day grace period, no application is required, at 9:30 pm on the third day after the due repayment date Previously, if you ensured that the minimum repayment amount was paid into your account, it would be considered as on-time repayment and would not affect your personal credit score. Repayment through any channel takes 2 days to be credited.
ICBC: The final repayment time is before 24:00 on the repayment day. ICBC World Struggle Card, Constellation Card, Zodiac Card and other cards can enjoy a 3-day repayment grace period. Except for special cards, other credit cards do not have a 3-day grace period for timely repayment
Minsheng Bank: Provides timely repayment service. No application is required. It must be guaranteed before 17:00 on the third day after the last repayment date. Repayments to your credit card and credited to your account will be treated as normal repayments.
China Everbright Bank: Repayments before 21:00 will be credited to the account on the same day. If repayments are made after 21:00, the repayments will be credited to the account the next day.
China Construction Bank: Credit will be credited before 6 o'clock on the same day, and the next day thereafter.
China Merchants Bank: Because the credit is slow, it is advised not to delay the payment until the final repayment date. Although there is a 3-day grace period, it will affect the score.
Guangfa Bank: Repayments from other banks before 22:00 will be credited to your account the next day, and after 22:00, it will be deferred for one day; Alipay and WeChat wallet payments before 20:00 will be credited to your account on the same day, and after 20:00, they will be credited the next day. Account; repayment via super online banking transfer from other banks will be credited to the account on the same day before 20:30, and the next day after that. If you repay Union QuickPass before 23:00, it will be credited to your account the next day, and it will be deferred for one day after that. There is only a 1-day grace period. If the repayment is credited to the account the day after the repayment date, it will be regarded as repayment on time, so GF needs to pay special attention.
Bank of Communications: Repayments from our bank and third parties will be credited to the account two days later, and repayments from other banks’ debit cards will be credited to the account within 2-5 working days. The grace period is 3 days. It will be paid off if it is credited before 18:00 on the third day. According to the efficiency of transportation, it is very dangerous and it is easy to overdue. Have you considered this reason for not raising your transportation limit? High-risk users every month.
Are there many small details? The pitfalls of maximum utilization of funds and repayment date will cause you to lose everything if you don’t pay attention.
Point 4: Record the credit card data of each bank
It is difficult to keep a daily repayment journal for multiple card bills. If there is no reminder, you will be waiting for it to be overdue and you don’t know how much you still owe in the current period. If you have not paid off, you can bind all the credit cards in your name in the official UnionPay APP. How many days are left until the final repayment date, what is the next billing date, and the remaining repayment amount of all credit cards, all at a glance, for For people with impatient psychology, not grasping the data in real time can make people's mentality explode. When Cloud QuickPass is bound to all bank credit cards, it has no impact at all if all credit cards are swiped at the same time and if a merchant is swiped at the same time. These are two pieces of data.
Knowledge you need to know when using credit cards:
1. It is best to separate the POS settlement card and the savings card for paying credit cards, otherwise it will easily cause too frequent fast in and out transactions. . After the former is credited, transfer the whole amount to the second card. It would be better to transfer the second card to all the cards in your name in sequence.
2. You must wait at least 2 hours after repaying a credit card before swiping the card and the amount is small to reduce the risk. Also, if you have just swiped a large amount on your credit card, you cannot repay it immediately, otherwise the fast-in and quick-out system will identify the suspicion of "cash-out". It does not matter if you swipe a small amount. If you are worried, you can wait 6 hours before repaying.
3. There is no risk in using credit cards from different banks with the same name, the same merchant and the same amount at the same time. It has been in practice for 9 years so far.
4. Some people say that it is best to wait until the credit card is "deposited" successfully before swiping the card. You will understand from the above data. The length of time for bank deposits varies, at least 1 day. If you play this way, you will not be able to transfer the card at all. So there is no need to get into trouble, it will have no impact at all.
Looking for advice from fellow passers-by on how to use reverse credit cards
1.2 Using two credit cards backwards
How to use two credit cards, this only means that one credit card is cashed, and then Used to repay the second credit card, and the balance owed on the first credit card is cashed by the second credit card, which will enter a cycle and allow unlimited repayments.
Of course, there is no free lunch in the world, and two credit cards must be cashed back and forth at a high price.
At present, the normal cost of cash withdrawal by credit card is relatively high. Banks in most areas generally charge a handling fee of about 1%-3% for credit card overdraft withdrawal, no matter where they are.
Of course, if you want to withdraw cash, you need a handling fee to get cash through POS machines, etc. Interest will also accrue on the resulting transaction amount if it is not repaid in full by the repayment date.
2.2 Tips for lossless reversal of credit cards
First of all, when setting the billing date of a credit card, it is best to set it in the middle or late month, because there are accounts that need to be counted. For example, on May 2, Wang wanted to use his credit card to spend money to buy household appliances. He has two credit cards. One credit card has a billing date of 5 days, and the other credit card has a billing date of 15 days.
If he wants to fully enjoy the longest interest-free period of his credit card, he can do this: the invoicing date of card A is 5 days, then the repayment date is 25 days, and the interest-free period is May 2 23 days until May 25th.
However, the billing date for Card B is the 15th, and the repayment date is approximately the 5th of the next month. If the card is swiped on May 2, the money will be recorded in the current statement, and the interest-free period is from May 2 to June 5, which is about 33 days.
Based on this calculation, the consumption card B chosen by Wang is much more affordable than the consumption card A.
Credit cards have a billing date and a repayment date, usually 20 days apart. This period is equivalent to the interest-free loan you enjoy.
Notes on daily use of credit cards
1. Apply for extension
Many people don’t know that if they miss the credit card repayment date, they still have the opportunity to make up for it. They can immediately call the issuing bank's service center to apply for a "delay in repayment." Many banks have this service, and usually they get a 2-3 day grace period, which doesn't affect your credit report and doesn't require you to pay late fees.
2. Say no to unreasonable installments
I believe that many users have received sales calls from banks, and most of them are various installment services. , especially after you have spent a lot of money recently, you will often receive such calls.
3. If you want to get the longest interest-free period, the billing date is the key
In the process of obtaining the interest-free period, Zheng Daguangming transferred all the fixed consumption of the month to the same day , without any operating costs. It is known that it can get an interest-free period of up to 60 days. In some cases, the bank statement for that day's consumption is included in the monthly statement, so it's safer to swipe it the next day just to be on the safe side.
3 Tips for Repaying Credit Cards
Sometimes when we use up our credit cards, we may run out of money for a while, so we wonder if we can use our credit cards to pay back the credit cards. ? This is definitely not possible, but today I can tell you about 3 credit card lossless tips to facilitate your daily use. In addition, the editor also summarized some precautions for daily use of credit cards
1. 3 Tips for using credit cards without loss
1. Use three credit cards backwards
How to use three credit cards, this only means that one credit card is cashed and then used to repay the second credit card, and The balance owed on the first credit card is honored by the second credit card, which enters a cycle and allows for unlimited repayments.
Of course, there is no free lunch in the world, and the three credit cards must be cashed back and forth at high prices. At present, the normal cost of cash withdrawal by credit card is relatively high. Banks in most areas generally charge a handling fee of about 1%-3% for credit card overdraft withdrawal, no matter where they are.
Of course, if you want to withdraw cash, you need a handling fee to get cash through POS machines, etc. Interest will also accrue on the resulting transaction amount if it is not repaid in full by the repayment date.
1. Top up multiple credit cards
2. Tips for tipping over 3 credit cards without loss
First of all, when setting the billing date of a credit card, it is best to follow the Set it up in the middle or late month because there are accounts that need statistics. For example, on May 2, Wang wanted to use his credit card to spend money to buy household appliances. He has two credit cards. One credit card has a billing date of 5 days, and the other credit card has a billing date of 15 days.
If he wants to fully enjoy the longest interest-free period of his credit card, he can do this: the invoicing date of card A is 5 days, then the repayment date is 25 days, and the interest-free period is May 2 23 days until May 25th.
However, the billing date for Card B is the 15th, and the repayment date is approximately the 5th of the next month. If the card is swiped on May 2, the money will be recorded in the current bill, and the interest-free period is from May 2 to June 5, which is about 33 days.
Based on this calculation, the consumption card B chosen by Wang is much more affordable than the consumption card A.
Credit cards have a billing date and a repayment date, usually 20 days apart. This period is equivalent to the interest-free loan you enjoy.
2. Precautions for daily use of credit cards
1. Apply for extension
Many people do not know that if they miss the credit card repayment date, they still have the opportunity to make up for it. They can immediately call the issuing bank's service center to apply for a "delay in repayment." Many banks have this service, and usually they get a 2-3 day grace period, which doesn't affect your credit report and doesn't require you to pay late fees.
2. Say no to unreasonable installments
I believe that many users have received sales calls from banks, and most of them are various installment services. Especially after you have spent a lot of money recently, you will often receive such calls.
3. If you want to get the longest interest-free period, the billing date is the key
In the process of obtaining the interest-free period, Zheng Daguangming transferred all the fixed consumption of the month to the same day , without any operating costs. It is known that it can get up to 60 days of interest-free period. In some cases, the bank statement for that day's consumption is included in the monthly statement, so it's safer to swipe it the next day just to be on the safe side.
The above is the tips for using 3 credit cards without loss, and all the precautions for daily use of credit cards.
This is the introduction on how to use multiple credit cards backwards and how to reverse 4 credit cards. That's it. I wonder if you found the information you need?