1. First of all, because different banks share the line, the repayment time is shared.

Secondly, the repayment time of the two cards should be different, that is, the A card should be returned to the B card at the beginning of the month, so that there can be an adjustment period of more than 20 days.

3. Try to use the longest interest-free period of two cards;

4. Staggered repayment dates, such as:

A card starts to be consumed on the 3rd, for example, the bill is issued on March 3rd and April 2nd, and the final repayment date is April 2nd1;

Card B began to consume on April 9, and was withdrawn or returned to Card A on April 20.

The bill for card B will be issued on May 8, and the repayment date will be May 27; Cash out the A card and return it to the B card on May 25th-26th.