Experiences in training new bank credit card employees

This is a very thick book. After studying on the same day, you will take the exam the next day. If you fail the exam, you will make up the exam. The passing score is 80 points. Continuous training will give you half months, and then there’s the stress test.

I don’t have any good experience, except to be serious and work hard, otherwise you will not do well in the written test, you will have no confidence, and the stress test will be even harder to pass

Sharing experience in credit card marketing work

< p>The marketing process of credit cards can improve our communication with customers, hone our words, and our ability to deal with customers. Below I have compiled some experience sharing on credit card marketing, I hope it will be helpful to you.

Sharing experience in credit card marketing work Part 1

In the process of credit card marketing, I think the following four aspects are very important. The first is the grasp of the product; the second is the understanding and development of the market; the third is face-to-face marketing with customers; and the last is filling out application forms and maintaining customers.

The first is to grasp the product. Being familiar with the various functions of a product does not mean that you are familiar with the product. At the beginning, my first feeling after getting the information was that there must be a market for such a good product. I also prepared a lot of rhetoric. If a customer asks me what kind of card this is? I will just say this. If a customer asks me, what are the characteristics of your card? I will just say that. But when I actually faced the customers, their questions completely caught me by surprise, and they were beyond the function of the credit card itself. They won't ask you about the benefits of a credit card at all, but will ask you, does your card charge an annual fee? Or maybe I already have several credit cards in my wallet and I don't want to apply for one? Others say you can do it. There are few outlets and it is inconvenient to pay back money.

The most common thing I say is that I don’t have the habit of using cards. These questions caught me off guard, and I began to re-examine this very beautiful credit card that I am proud of. Is it me who has the problem or the customer? In the end, I found that I had overlooked three details: First, China Construction Bank had already covered the credit card market last year, and our bank’s credit cards had many similarities with the bank’s credit cards; the other was the Chinese people’s consumption habits, living within their means; The third reason is that the Hubei people have a certain personality that makes trouble. They know it is a good thing, but they don't do it because they are not familiar with you. When asking people to do things, you have to be humane. After a period of thinking, my understanding of credit cards began to change. Only when we look at the problem from the user's perspective can we truly understand credit cards. In the eyes of bank staff, a credit card is a card that can be overdrawn, but in the eyes of customers, what is it? It is a time bomb placed around you, a tool to encourage you to use money, a burden in your wallet, and a Weights used to exchange favors, etc.

The current credit card market is very immature and not as perfect as we imagined. I think it is misleading for us to blindly emphasize the overdraft consumption function of credit cards. Many consumers do not accept this concept. So when I market it, I say that this card is just an emergency card. When something doesn’t work, you can use this card for emergency relief. If you say this, quite a few people will agree. If they agree, they will have a chance. Marketing has reached this level, and those who ask what a credit card is and what functions a credit card has can easily become card users. For those customers who have unexpected problems, we can only prescribe the right medicine.

In the marketing of credit cards, we lag behind other industries. It can be said that we have no experience to draw from. Therefore, we need to hone our words and skills in dealing with customers in actual marketing and communication with customers. ability. What does it mean to be familiar with a product? It means to go out boldly and say, don’t be afraid of rejection. If you reject it, you will summarize it and then go out for a run. Products need to be defined by our customers, and we need to grasp what is hidden behind the product in practice.

Second, understanding and developing the credit card market. To sell any product, in addition to mastering the product itself, we need to position it and find relevant channels to sell it. So where are the target customers and markets for credit cards? In fact, the credit card sales guidelines have already pointed out the direction for us. Among them, Article 6 of the catalog, "Detailed Classification of Key Promotion Industries at the Current Stage," stipulates certain industries as key marketing targets, and Article 8, "Detailed Classification of Industries Acceptable for Promotion at the Current Stage," stipulates 15 categories of related industries, and requires credit card users to It is divided into five categories ABCDE according to different levels of risk. In this way, our marketing scope is determined.

In fact, this scope is different from the customer market we originally imagined. I began to think that the owners of private companies were our customers, but after the operation, it turned out that it was wrong. The credit card department not only required them to provide proof of income, but also required them to provide proof of personal real estate and other relevant personal credit certificates. Even if they are approved, their credit The quota is also very low, which makes them lose face. At the same time, my workload has also increased a lot. Therefore, in order to save time and increase the volume of card issuance, I gave up on private business owners and began to divide my marketing target market according to the industry objects in the "Guidelines".

Due to limited time, I made three stages of preparation. The first stage is to spend one and a half months focusing on the civil servant market, because the procedures are simple and the approval rate is high. The second stage takes ten days to promote to relevant enterprises. The third stage is finishing, looking at what else has not been marketed. With the plan in place, my mission became very clear. What you have to do is how to eat it piece by piece. The method I adopted was to start with units where I knew people. I took out all my friend lists and started searching for government civil servants, teachers, and doctors, and then called them one by one to help me with marketing. This one is guaranteed. Because it was a friend who helped me, it was very easy to operate. I told them the relevant elements, and they did the rest of the publicity work. There is a detail here, that is, filling out the form must be simplified. For example, if you already have many elements on your ID card, you don’t need others to fill in their name and ID number.

After the acquaintances have finished, they start to deal with the key customers introduced by them. This aspect is relatively complicated to do, because the friendship is not deep, so you have to rely on words, and it also requires a little skill. For example, I applied for a group registration card from a bureau. Group registration is the easiest thing for us, but it is very important to find the right person to do the job. If you go to the finance department, they will say that everyone has already applied for a card from another bank. If you go to the office, they will say that the people in the office are too talkative, and others will think that there is no benefit from accepting it from the bank. For this kind of situation, we must be mentally prepared. The group organization does not mean that everyone will organize it. Unless it is an administrative order from the unit, others have the right to refuse. So I first looked for a person in the office who was well-connected, and then through him, I got it done by the director first. At this time, don’t expect him to help you complete it. He has no such obligation, so I went with him one by one. Office run. I took the stuff that the director had filled out and showed it to them intentionally. When these people saw it, they realized that the director had already applied for it, so I would also apply for one. It is useless for marketing to blindly emphasize the benefits of a product. If others just don’t trust you, you really can’t do it.

The second stage is some enterprise units. First select some distinctive units, such as those with a public institution background, such as radio and television centers, with relatively high registered capital, those that have business dealings with our bank, and that are helpful for the credit card usage environment, such as youth travel agencies, you can Purchase air tickets with a credit card. In short, not all companies can be used as card issuance targets. In the case of limited time, I can only start with the most confident ones.

The third stage is to clean up, mainly to apply for some personal cards sporadically. Through three stages of work, more than 300 cards were completed, and civil servants accounted for 80%, so the approval rate was high. Specialty enterprises have basically been approved.

In market development, what I feel most deeply is the important role of relationship marketing. Some people think that my customer resources are too few, what should I do? In fact, opportunities are around everyone. Your relatives, classmates, friends, and customers are all your targets. Marketing is to speak more and don’t be afraid of being criticized. If you say you are thick-skinned, maybe others will say you are dedicated.

Third, face-to-face marketing with customers. What I feel most deeply during this process is that we must respond as quickly as possible to customer problems. I summarized it, and there are six common questions from customers: (1) Does the credit card charge an annual fee? (2) What are the special functions of the credit card? (3) Is the credit card safe and how is the backend support? (4) I I already have cards from several banks in my hand, so there is no need to apply. (5) Your bank has too few branches, making repayment inconvenient. (6) I don’t need to do it at all, I usually use cash. So before talking, you must be prepared for this issue. Be confident when answering, the quality of the product is all on our lips. In all of these issues, we will treat the restriction as a rejection reason for the customer.

For example, in Article 5, having few branches is our disadvantage, but this is only a restriction on applying for a card and cannot be used as a reason for customer resistance. We have three reasons to respond. First, our bank’s self-service banking is accelerating its development; second, we are about to implement the automatic repayment function of debit cards; third, after swiping the card, you are not required to pay back the money the next day. You can take time at any time during the 50 days. Just come and pay it back. By explaining the restrictions clearly, customers will have fewer reasons to refuse. The same is true for Article 4: The customer has too many cards and doesn’t want to apply for any more. I usually ask him first, when did he apply for the card from another bank? What is the limit? Is there a guarantor? Is it applicable at home and abroad? How long is the interest-free period? Are there points for purchases? First determine whether the card in the customer's hand is a credit card. , at the same time, take out several credit card samples that have been prepared in advance, and then introduce the special functions such as mobile phone text message services, insurance services, and medical services in a timely manner. We must find ways to naturally let customers feel the specialness of credit cards. In the process of communicating with customers, you must have a good attitude. You are doing a win-win thing and you are not making things difficult for customers. If the customer is really in trouble, quickly move to the next company.

The last point is to fill in the application form and maintain the customer. We have done a lot of preliminary work. In the end, we must not be rejected because of irregular filling in the form. That would be a very sad thing. The first step is to fill out the form. I only ask customers to fill in (1) home address and phone number; (2) workplace address, phone number, and position; (3) immediate family members and friends; (4) signature. I filled in the rest for them myself. Firstly, it saves customers a lot of trouble in filling out forms. Secondly, the filling process is an audit process, which can find many loopholes. Thirdly, the form can be made relatively neat. After some customers fill it out, they scribble on the wrong places. In fact, when the people in the card department review the paper, it is the same as grading the college entrance examination. A neat and tidy paper will implicitly have an impression point, so if there are mistakes, we can use correction fluid to modify them. Many of our colleagues leave the review work to relevant comrades in the retail product center and do not ask questions themselves. This is definitely not possible. Let me give you an example. Once, my friends from the Local Taxation Bureau brought ten forms. When I was helping them fill in the forms, I discovered that the home phone numbers they had left were all work numbers. This is troublesome. Because the home phone number is usually the credit card inquiry password, which is basically different for everyone, so I called them one by one to ask. If I ignored this detail, maybe I would have done ten more useless things. In addition, the last column in the form, which has a higher error rate, is the contact information. In my experience, this column must be written, especially for immediate family members. The requirements for the friends column can be relaxed. You can write your own name or the names of your colleagues.

The second is the relevant information provided by the customer. I want to focus on the personnel income certificate. One key point is the details of the position. Because according to the credit card sales guidelines, employees with stable positions have a relatively high approval rate. During the marketing process, some colleagues saw that the other person's position was not very good, and they had an idea. Such people would definitely not be approved.

Third, it is customer maintenance. It's the so-called after-sales service. This job means that after the application form is sent out, you must call the customer to ask if they have received the card, how it is used, and if there is anything you don’t understand. Thank them for their support of Xingye’s work. In fact, the purpose of this is It's very simple. I hope they will introduce some more customers to us, and at the same time connect with each other, discover a group of high-quality customers, and prepare for future banking business.

Above, I have shared with you some of my experiences in the credit card marketing process from four aspects. Among them, many of the ideas are the result of discussions between comrades in our department when studying the credit card marketing plan. , they also put considerable effort into the marketing process of their credit cards. I think in the current social situation, credit card marketing is very challenging. Everyone has their own marketing concepts. If everyone can be spontaneous and often exchange experiences with each other, I believe that our bank's credit card tasks will be completed in 2015.

Sharing experience in credit card marketing work Part 2

Recently, the operating system has optimized the processing of counter marketing opportunities. When handling personnel are calling customers for business, they will immediately appear Most of the recommendations for this customer's marketing opportunities are credit cards. The optimization of this system has greatly improved the success rate of over-the-counter credit card marketing.

After system optimization, business opportunities appear before handling business, so the teller already knows in advance that the customer has a credit card business opportunity, and the preparation time for marketing is more sufficient and more proactive than before. You can find it during handling business for the customer. Make recommendations to customers on time to improve the timeliness and effectiveness of utilizing business opportunities. In addition, no matter whether the customer has successfully applied for a credit card, the teller can also promptly and quickly process the feedback of business opportunity information at the counter, so as to prevent the lag in business opportunity processing from reducing the feedback rate of business opportunity processing at the outlet. It can be seen that this optimization is very powerful and is a "good news". The change of "Dapu Ben" cannot but be praised.

Of course, having an "artifact" doesn't mean you can sit back and relax, it just means your platform is good. If your marketing knowledge and skills are poor and you cannot impress and attract customers, it will be in vain. I think a qualified marketer must first have full self-confidence. Only by having confidence in yourself can you eliminate the fear of facing customers, give yourself a clear idea, and introduce products to customers through smooth communication. Comprehensive and solid business knowledge is the source of your confidence. In addition, sensitive response ability, knowing how to guess the psychological changes of customers, language expression skills, and good psychological quality are also indispensable, because in actual marketing practice, customers will not ask you prepared questions at all. So the ability to adapt to situations is very important. Secondly, you should not just stay familiar with the functions of the product, but also have a deep understanding of it. As far as I am concerned, I haven’t done enough in this area. Although the success rate of marketing has been greatly improved after system optimization, sometimes I am inevitably asked by customers about my lack of words. I feel really ashamed. I need to work harder to improve myself in the future. capabilities.

The new system is getting faster and faster. It can not only handle business quickly for customers, but also provide simple and user-friendly marketing products. This is what employees like to see most. In actual work, through the increasingly perfect platform, employees have increasingly mature business skills and marketing skills. I believe that our business will prosper!

Part 3 of sharing experience in credit card marketing

As a marketer who has been engaged in credit card marketing at Guangfa Bank for more than a year, I have always believed that in marketing products, we must have: sensitive response ability, knowing how to guess the psychological changes of customers, and understanding of the product. Cognition and interpretation, language expression skills, and good psychological quality.

After a year and a half of hard work and struggle, during this more than a year of marketing work, there were joys and sorrows, laughter and tears, successes and failures. However, in a short period of time, I deeply realized that no matter what I do, I must have confidence in myself.

In addition to having enough confidence and experience in yourself to engage in the marketing industry, what is more important is your own mentality. I am a marketer who has just been promoted to team leader. I feel very honored to have just been promoted, but invisible pressure is also coming towards me, but appropriate pressure can give me motivation, and here I am also I would like to share it with you. I believe that many colleagues working in the company also have unique insights. Learn from others and use them, only in this way can you open up a world for yourself!

Lesson 1: Have confidence in yourself.

When I first started working in marketing, I hesitated to come in when I wanted to visit customers. I finally worked up the courage to go in, but I was so nervous that I didn’t know what to say. As soon as I opened my mouth to introduce the product, I was stopped by the customer. Just say a few words. Visit after visit failed, and I began to make excuses for myself and complain. But I never realized that while making excuses for myself, I had become quite negative. Negative emotions had a great impact on my work. Later, when my boss learned about this, he had a lot of chats with me. He told me: "A qualified marketer must first have full self-confidence. Only by having full confidence in yourself can you succeed." Only then can we eliminate the fear of facing customers, give ourselves a clear idea, and introduce products to customers through fluent language.” These words are deeply engraved in my mind. Whenever I feel down, I will secretly encourage myself. I firmly believe that as long as I have confidence in myself and the product, I am already half successful.

Experience 2: Set a goal for yourself at different times to the best of your ability

Everyone must arrange every day's work reasonably and have a plan and purpose. In order to avoid a kind of blind positivity, which can also be said to be a kind of directionlessness, this situation is often half the result with half the effort, and the gain is not worth the loss.

As the leader of a new marketing team, in addition to myself, I also have to lead the team members. Since I lead a small team, I must have a detailed work plan, reasonable time arrangements, adequate deployment of personnel, good team spirit, etc. wait. Set a goal within your capabilities for yourself and your team members!

Three lessons: Gain the trust of customers instantly

When marketing products, we must make friends with customers and let them trust us. Have good feelings and trust in yourself. What you say when you first meet with a client is very important, and a good opening is often half the battle. Of course, instantly gaining customer favor and trust is not only reflected in the first meeting. During the conversation, the customer may be indifferent to the marketer for a long time, but changes in some details may win the customer's heart.

Experience 4: Learn new knowledge from marketing failures

As the saying goes: “Failure is the mother of success”! In the marketing process, we often encounter all kinds of problems. Customers, maybe you are lucky and meet easy-to-talk customers, but there are also times when you are unlucky and the customers specifically try to give you a hard time. So if you fail many times, don’t be discouraged. We need to look for the root cause of the matter. Why did it fail? It was because of insufficient professional knowledge or inferior marketing skills. I hope you won’t make the same mistake next time.

The above points are some of my experiences from working as a marketer to the leader of the marketing team. If we can do this: "Seize the present, learn from the past, and start creating the future. Imagine a better future What does it look like? Make a realistic plan and do something today to make it happen. Clarify your goals and discover ways to make your work and life more meaningful, and you will be happier and more successful!

Credit card knowledge training experience

Through the credit card knowledge training, I learned that when applying for a credit card, what everyone is most concerned about is the limit. An increase in the limit often means an increase in consumption, which increases the amount of repayment. It will also increase. Below is the credit card knowledge training experience that I have collected for everyone. You are welcome to read it.

Credit Card Knowledge Training Experience 1

When it comes to credit cards, most people’s opinions are: The first reaction is that you can spend in advance and get some money from the bank. If you also have this idea, Xiaojin advises you to calm down and read the 8 secrets hidden behind credit cards.

First, installment payment

Nowadays, there is no interest for credit card installment payment, but there is a handling fee. Don’t underestimate this handling fee. There are many ways to do it. For example. Let me tell you about it. For example, Xiao Jin bought a computer for 12,000 yuan with a credit card, and now he wants to repay it in 12 installments. On the surface, the interest rate for each installment is 0.5%, which is only 0.5% in one year. ×12=6%, but this calculation is incorrect. The correct annual rate calculation formula is as follows:

Annual rate = 12 × handling fee rate per period × number of installments/[(1 number of installments )/2]=24×number of installments×handling fee rate per installment/(1 number of installments)

Let us enter the data into this formula to calculate:

Annual rate =24×12×0.5%/(112)=11.077%

11.077% is almost twice as much as 6%, so installment payment only looks low on the surface. The wool is just a dream!

There are currently many types of credit card installments, the most common ones are: consumption installments, bill installments, cash installments, decoration installments, car purchase installments, etc. No matter which installment you choose, you need to pay in installments. Think twice before you act!

Second, early repayment of bill installment. Credit card bill installment means that after the credit card holder uses the credit card to make a purchase, he requests the credit card center to return the consumption amount to the bank in installments. The charges for bill installments vary greatly, but they all have one thing in common: even if you repay in advance, there will be a handling fee for each installment!

For example, Xiao Jin bought a computer for 12,000 yuan with a credit card. Now I want to repay the loan in 12 installments. The rate for each installment is 0.5%, so the handling fee for each installment is 0.5% × 12,000 = 60 yuan. That means Xiaojin will have to repay 1,060 yuan for each installment after 6 months. Xiao Jin is rich and wants to repay the remaining 6 months' money. Xiao Jin has to give the bank 6,360 yuan instead of 6,000 yuan because the monthly handling fee of 60 yuan will not be waived for early repayment. And some banks will also charge early repayment fees.

Third, the number of credit cards

Some people think that the more credit cards the better, but in fact this is also a misunderstanding. Let me start by saying that the limit of one credit card opened with the same bank is the same as the limit of 10 cards. That is to say, Xiao Jin’s credit card limit in the bank is 100,000. If Xiao Jin has 1 credit card, the limit of this credit card is 100,000. If Xiao Jin has 10 credit cards in the same bank, these 10 credit cards will enjoy this 100,000 quota.

In addition, too many credit cards can easily cause credit card holders to confuse the consumption status of each credit card, leading to repayment defaults. It will also lead to the dispersion of credit card points, and the discounts enjoyed cannot be concentrated. In the end, it is still not cost-effective.

Fourth, credit cards cannot be used as debit cards

For convenience, many people only use one card and put all the extra funds into the credit card. In addition, you can earn points by swiping the credit card. , the more points you have, the more discounts you can get. In fact, this is not advisable. There are two reasons: 1) There will be no interest when depositing money into a credit card; 2) There may be a handling fee when withdrawing cash from a credit card. Some banks charge 10 yuan, some charge 20 yuan, some charge 25 yuan, or even 30 yuan, and some do not charge a cash handling fee.

Fifth, credit card cash withdrawals are not interest-free

Many people think that credit card cash withdrawals are interest-free just like credit card purchases. But this is not the case. At present, most credit card cash withdrawals charge interest at a rate of 0.5% per day, which translates into an annual interest rate of about 18%. Therefore, friends who want to withdraw cash from their credit cards must think twice!

Sixth, credit card security issues

Credit card security issues are also what everyone is most concerned about. In China, people are still more accustomed to using passwords when swiping cards, rather than signing. Currently, internationally, credit cards use signatures as proof of consumption, and merchants are responsible for verifying signatures. However, in actual operations in China, not many merchants take the time to verify credit card signatures. Therefore, the insurance method is to use a "password signature" when swiping the card.

Seventh, an increase in the limit is not necessarily a good thing

When applying for a credit card, what everyone is most concerned about is the limit. An increase in the credit limit often means an increase in consumption, and the amount of repayment will increase as consumption increases. When credit card limits are increased, many people's repayment habits may not change immediately. For example, Xiao Jin’s previous limit was 20,000, and now he wants to buy a car, so Xiao Jin calls the bank and asks to increase the limit to 50,000. Because Xiao Jin was used to the repayment rhythm when the limit was 20,000, so he raised the card limit to 5 Later, Xiao Jin’s repayment habits failed to keep up. Increasing the credit card limit can bring us convenience, but after the limit is increased, we must consult the bank to find out how to repay the loan.

Eighth, full interest

In order to avoid bad credit records when making large purchases, many people choose the minimum payment amount to pay off their credit card debt. But many people don’t know that interest is calculated from the day of consumption. In addition, before the entire debt is paid off, the portion that has been repaid is still within the interest calculation base. Some banks have already canceled this requirement and only charge interest on the unpaid portion. Therefore, you must consult your bank clearly when using such services.

After reading this, Xiao Jin just wants to say one thing: You can be arrogant when using a debit card, but you must be restrained when using a credit card. Because if one more payment is made, it may become the last payment (the limit is gone), and if one more dollar is spent, a few more dollars may be paid back (interest is coming).

Jin Interactive

Nowadays, almost everyone has 1 or 2 credit cards in their pockets. If you make good use of them, credit cards can save you money, facilitate consumption, and help you manage your finances. Use Unfortunately, credit cards will make you fall into a vicious cycle of overdraft, become a "card slave", and even tarnish your credit record. Are more credit cards better? Is a higher limit better? What other experience do you have? Share them together.

Credit card knowledge training experience 2

Credit cards have become a necessity in our daily lives, but whenever we want to cancel a credit card, we always encounter some problems, and when We thought we had closed the account, but a few years later the bank called us to remind us of the repayment. What happened?

1. How to close the account

1. Cancel the account by phone Card

The most direct and convenient way to cancel a credit card account is by phone. You can call the customer service number on the back of the credit card and follow the voice prompts to be transferred to manual account cancellation.

2. Emotional offensive

When you call customer service, the customer service will definitely use various preferential policies to persuade you not to cancel your account. At this time, you only need to inform the other party for sure. You just have to cancel your account.

3. Customer service will check whether there are any outstanding balances, annual fees or interest on your credit card.

If everything is normal, customer service will prompt you that the cancellation is successful and you can just destroy it yourself.

2. Why the account cancellation failed and the bank called for repayment

1. Many people think that they no longer need this card. After a long time, the card will cancel the account on its own. Then How wrong. The credit card will not automatically close the account. Instead, it will incur annual fees because you have not used it. It will not urge you to repay at first. The longer it goes, it will urge you to repay when it reaches a certain limit.

2. When you call, the customer uses various reasons or preferential policies to persuade you not to cancel your account. If your expression is unclear and hesitant, the customer service staff will think that you do not want to cancel your account and will not cancel your account. Therefore, be sure to refuse categorically!

3. The customer service staff is checking whether your credit card has any arrears, annual fees or interest (if it is arrears, it needs to be paid off! Then call to cancel the account. If the card If you have extra money in the card, you can choose not to let it go and ask customer service to continue closing the account, or you can transfer the money in the card yourself and then call customer service to cancel the account)

Special note: whether you owe money to pay off After you have finished transferring the excess money, you have to call customer service to cancel the account again!

4. After the customer service tells you that the cancellation is successful, the third-party payment bound to your card does not exist. After unbinding, if any access or withdrawal occurs within 45 days, the card will be automatically reactivated and the previously dialed phone number will be invalid.

Credit card knowledge training experience 3

In China, the post-80s generation is a very special generation, playing a role as a link between the past and the following, and the same is true when facing some new things. For example, when using credit cards, the post-80s generation is neither as conservative as the post-70s generation nor as casual as the post-90s generation. They have their own characteristics. Let’s take a look at how the post-80s generation uses credit cards.

1. The higher the credit card limit, the better

Most people hope that the higher the credit card limit, the better, but this is not the case. After some people have a high-limit credit card, they are unable to repay it after squandering it. They accidentally become card slaves. Therefore, the higher the limit, the better. It just needs to match their spending power.

2. The number of credit cards is 2-3.

The more credit cards the better, sometimes annual fees will be charged due to fewer credit card swipes, and sometimes it is easy to forget the repayment date. Due to overdue credit, sometimes the credit limit cannot be remembered and the credit card is maxed out and you have to pay over-limit fees. Therefore, it is recommended to apply for 2-3 credit cards, which are enough to meet your daily needs.

3. Use as many credit cards as possible within the credit card limit

Every credit card has a limit, so use as many cards as possible within this maximum limit. Not only can you enjoy a long interest-free period, but you can also accumulate credit and prepare for future credit card limit increases.

4. Use credit card interest-free period wisely