I think many people are using credit cards, and there must be a lot of them. Credit cards have many advantages and disadvantages, but we must spend rationally. Pay attention to two points when returning a credit card:

First of all, when returning the card, you must pay the card in full and do not choose the minimum repayment, because even if some credit cards choose the minimum repayment, interest will still be deducted. Moreover, the interest rate is 0.05% per day, which is very pitiful when calculated based on the full interest rate.

Secondly, don’t pay back the credit card, keep only half or a little. For example: For example, if you owe 10,000 yuan, you pay back 9,000 yuan, and the remaining 1,000 yuan is paid off within one month. One thousand yuan will be deducted from this month’s interest. Next month, when you return it, you'll find you have to pay several thousand dollars more. The same price is 5/10,000 per day. This amount is not small, in one month.