We all know that each bank’s credit card, or even different cards from the same bank, have different statement dates, and many cardholders have difficulties when they have several credit cards at the same time. , I don’t know which credit card is better to use.

In fact, this is easy to solve. You can list the billing date of each credit card, and then arrange a reasonable credit card payment time based on the billing date. Next, Brother Li will use 5 credit cards as an example to teach you how to schedule bill dates.

Suppose there are credit cards from 5 banks. The billing dates of each credit card are:

Industrial Bank statement date is the 1st; China Merchants Bank statement date is the 22nd; China Construction Bank statement date is the 27th No.; CITIC Bank statement date is the 2nd; Minsheng Bank statement date is the 18th.

Then arrange the bill dates of these 5 credit cards according to the first, middle and last month of each month:

Credit cards with bill dates in the early ten days include: Industrial Bank and China CITIC Bank; < /p>

Credit cards with billing dates in the middle of the year include: China Minsheng Bank;

Credit cards with billing dates in the latter half of the year include: China Merchants Bank and China Construction Bank.

Then you can arrange the card swiping time according to the billing date.

Following the principle of not swiping credit cards on the billing day, Li Ge’s ideal arrangement is:

No. 2~18: swipe Industrial Credit Card;

19~ On the 22nd: use Minsheng Credit Card;

23rd to the 2nd of the following month: use China Merchants Bank Credit Card;

3rd to 18th of the following month: use CITIC Credit Card; 19th to 26th of the following month No.: Use CCB credit card.

1. Arrange the credit cards in order of billing date. In the above example, they are Industrial Bank, China CITIC Bank, China Minsheng Bank, China Merchants Bank, and China Construction Bank.

2. The Nth credit card should be swiped on the day after the Nth billing day. In the above example, the 1st credit card should be swiped on the 2nd day after the 1st billing day (No.1). Credit card (Industrial Card); the day after the second statement date (18th), that is, the 19th, the second credit card (Minsheng Card) is swiped; and so on.

In short, if you swipe your cards according to the billing dates of the five credit cards arranged above, you can basically enjoy the longest interest-free period, and the repayment dates of each credit card can be staggered with each other, so swiping your cards can be considered Earn it.