ICBC pays more attention to its own economic strength. If you can have a lot of deposits and running water in ICBC, or buy ICBC's wealth management products, the effect is the most obvious. Credit cards are used for both large and small amounts. Should consumption be diversified? Spend more than 70% of the money every month, but the balance in the card must be at least 20% every month. It is best to have a certain difference in the monthly bill amount. Do more installments, not cash withdrawals. If possible, it is better to brush a few strokes abroad.