Nowadays, many people can't live without credit cards. Basically, they need to swipe them every day. Everyone casually has more than five credit cards, some even more, and many people even fall into the situation of "keeping cards with cards".

it is very important to standardize the use of credit cards, create a good-looking credit report and avoid being blacklisted by banks in the future. Today, I will tell you some tips on using credit cards.

First, the biggest taboo of swiping a card

1. Fast forward and fast out, and brush it back as soon as you return it. It is recommended to brush again the next day after repayment, and do not brush at one time, separate several brushes.

2. For a single large amount of credit card swiping, it is absolutely forbidden to empty the credit line, and it is recommended that the single credit card swiping should not exceed 5%.

second, the time of swiping the card

swiping the card should conform to the daily consumption habits as far as possible. You can't swipe a large amount at the breakfast shop every day. Generally, you swipe a small amount in the morning, a large amount at noon, and appropriate brushing at night for entertainment.

generally, you start to swipe after 9: am, and don't swipe after 1: pm. Generally, the store is closed at this time.

3. The amount of swiping the card

1. Don't swipe the whole number, such as 1,5,1

2. Don't swipe the same number, such as 999,8888,

. 4567, etc.

Fourth, the number of swipes

A small number of swipes per month, rather than a large number of swipes, will definitely enter the bank's risk monitoring if the credit line is brushed up once or twice a month.

V. Repayment Skills

If you pay back immediately after the billing date, you will be judged as a quality customer by the bank, and try to repay in advance. If you don't have enough money, you need to go in and brush it back. Don't brush it immediately after you return it, and brush it the next day.

VI. What should I do if it is overdue?

If you accidentally expect it, immediately call the customer service of the bank to explain the situation. Generally, the bank will have a grace period of 2-3 days. As long as you repay the loan in the grace period, it is equivalent to paying off the current bill.

if it's really overdue and you are charged with interest and late fees, you can also call the bank to explain the reasons and ask for help in reducing interest and late fees. If it is approved, the interest and overdue fine will be refunded in the next bill, but the regulations of different banks are different. You can call for details.

I have arranged the grace period of major banks for your reference.

1. ICBC: There is no grace period;

2. Agricultural Bank: The grace period is 2 natural days, and the repayment needs to be made before 21 o'clock on the last day;

3. Bank of China: the grace period is 2 natural days, including 9 natural days for Platinum Card

4. Construction Bank: the grace period is 3 natural days, and the repayment needs to be made before 7: am on the last day;

5. China Merchants Bank: The grace period is 3 natural days, and it needs to be repaid before 7: am on the last day;

6. Bank of Communications: the grace period is 3 natural days, and the repayment will be received before 18: pm on the third day;

7. China guangfa bank: the grace period is 3 natural days, only once a year;

8. China CITIC Bank: The grace period is 3 natural days;

9. Minsheng Bank: The grace period is 3 natural days;

1. Ping An Bank: The grace period is 3 natural days;

11. Postal Savings Bank: the grace period is 4 natural days, and the repayment will be received before 17: pm on the fourth day after the repayment date;

12. Shanghai Pudong Development Bank: the grace period is 3 natural days, and the repayment will be made before 2: pm on the third day after repayment

13. China Everbright Bank: the grace period is 3 natural days, and the repayment will be made before 24: pm on the third day after repayment

14. China CITIC Bank: the grace period is 3 natural days, and the repayment will be made before 2: pm on the third day after repayment.

15. Industrial Bank: the grace period is 3 natural days, and the repayment will be received before 24: pm on the third day after the repayment date;

16. Huaxia Bank: The grace period is 3 natural days, and the repayment will be received before 19: pm on the third day after the repayment date.

Note: the latest repayment time of different bank credit cards is different. No matter the repayment date or the expiration date of grace period, the repayment must be made before the latest repayment time, otherwise the credit card will be overdue.