Credit card consumption is a very common way of consumption now. Users who have just applied for credit cards should pay attention to the following points when using credit cards if they are not particularly familiar with the use of credit cards:

1. Activate before use: the credit card cannot be used temporarily when it is received, and users need to activate it before using it. Ordinary users can activate through online banking, counter, telephone, etc.

2. Don't overspend: Users must refrain from overspending when using credit cards, because after all, every penny spent needs to be returned later. Therefore, if users overspend and exceed their own economic scope, it may cause great repayment pressure, thus bringing the risk of overdue repayment.

Remember your repayment date: the repayment date is a very important date for every user. Users must remember their repayment date clearly, so as to avoid failing to repay on time when due, which will lead to poor credit reporting.

4. Protect your own information security: There is a lot of information on the card face of a credit card, which will play a role in verification in future transactions, such as the validity period, card number and CVV code of the credit card, so users must protect their own information and prevent it from being leaked and stolen by criminals.

How to use a credit card is the most appropriate?

When users use credit cards, they should first spend according to their own income, and the monthly credit card spending amount is not higher than 50% of their own income, which is a more suitable consumption. In addition, users can pay more attention to the activities corresponding to their credit cards. Many credit cards offer different activities for their users, such as shopping discounts. Users should use their rights and interests reasonably.

Most credit cards will have their own annual fee-free policies, so users also need to know their own annual fee-free policies, so as to complete the corresponding annual fee-free tasks, reduce their annual fees and save their own expenses. In addition, users need to know other charging policies and unique preferential activities corresponding to their credit cards, and use their credit cards reasonably.