It is most appropriate to use credit cards at the beginning of the month and during holidays.

1. The beginning of the month: The credit card repayment date is at the end of each month, so the beginning of the month is a good time. At this time, your credit card limit is the most abundant, which can satisfy some large purchases.

2. Holidays: During holidays, some merchants will also launch some promotions, and you can enjoy more discounts when paying with a credit card. At the same time, due to the large flow of people during holidays, using a credit card can avoid the risk of carrying large amounts of cash.