After applying for a bank credit card, many people simply use the credit for daily shopping, but they ignore that actually using a credit card can also make shopping more affordable. So how to use a credit card? What's the best deal? How to make the most of your credit card? Next, Siyue will give you a good explanation.

1. First choose a credit card

Nowadays, there are many commercial institutions that cooperate with banks. If you particularly like shopping, then you can apply for one. A bank credit card co-branded with a corresponding bank that cooperates with a certain shopping mall, so that not only can you shop happily but also have the VIP status of this shopping mall, and you can get double or even multiple points and discounts for every purchase. , when the points accumulate to a certain amount, you can redeem them for your favorite products. Isn’t this killing two birds with one stone?

2. No annual fee if you make enough purchases

Everyone must know that many banks’ credit cards require a certain annual fee, but there are also many banks that clearly stipulate that some credit cards Regular cards, gold cards, etc. can be exempted from annual fees after swiping the card enough times. Therefore, when we spend as much as possible in our daily consumption, it can save us an annual fee. Isn't this great? Well?

3. Grab credit cards and enjoy discounts

Nowadays, the credit card market is still relatively fierce, so major banks are promoting various activities, such as Shanghai Pudong Development Bank: in When ordering takeout at Puda Xiben, you will get a random discount of 1-30 yuan, and Pizza Hut will get a discount of 7-77 yuan when you spend 100 yuan or more. Ping An Bank: In the Taobao Piao section of Ping An Pocket Bank, you can use 8 yuan to buy a movie ticket within 50 yuan, etc. If you happen to need to go shopping or spend money, check to see if your credit card has corresponding shopping discounts. If so, use it, and you will save another amount of money.

4. Use the interest-free period wisely to buy financial products

Generally speaking, the shortest interest-free period of a bank is 18-20 days, and the longest interest-free period is 49-55 days. If you swipe your card after the billing date, you can generally enjoy the longest interest-free period. You can purchase short-term financial products during the longest interest-free period and enjoy interest.

5. Maximize the value of points

Credit card points are the extra compound interest for our daily use of credit cards. We must pay attention to its validity period, use them up before they expire, and go to the mall to redeem them. You can also order something, or redeem your miles and then fly for free. In order to make the most reasonable use of your points, you can also collect points, redeem them for cash, exchange for insurance, etc., to make the best use of your points.