1. Extend the interest-free period by applying to change the billing date of your credit card.

Take advantage of the opportunity of "changing the billing date" to enjoy an interest-free period of up to 81 days, effectively helping to relieve financial pressure. However, this technique cannot be used every month. Some banks can only apply to change the statement date once every six months, and some banks can only apply to change the statement date once a year. You must understand the corresponding rules before applying to change the statement date.

2. Apply for credit card deferred repayment to avoid overdue payments.

If your funds are temporarily unable to be turned around, or your repayment is delayed due to something, don’t worry, call the bank customer service immediately and apply for a one to three day deferment of repayment. Generally, bank customer service will help you extend it.

3. Use credit card installments with caution.

Credit card installment interest is extremely high, and installment fees are also charged, which is not a cost-effective way to repay. Of course, it is still helpful for some cardholders with special needs, such as those who cannot repay their credit card debts on time, and those who want to increase their credit card limit as soon as possible.

4. Set up automatic credit card repayment.

By binding the debit card of the same bank and activating the automatic repayment function, the debit card will automatically transfer the money to the credit card account on the last payment day of the monthly credit card. This enables automatic repayment. It can effectively avoid forgetting to repay the loan.