1. Repay on time, not overdue. Remember the billing date and repayment date of the credit card and make timely repayment.

2. Be able to control the number and amount of swiping cards and ensure a certain number of swiping cards every month. It is best to use a credit card and swipe it within a few days after bookkeeping. This interest-free period is generally long, which can reach about 50 days.

3. Except for the relatively low amount, it is best not to spend more than 50% of the total amount of cards at one time to avoid centralized consumption of credit cards.

4. Choose a suitable merchant to spend by credit card, and you can swipe your card at a merchant with points. Different types of merchants should cross-swipe their cards, and it is best to swipe their cards between 8 am and 8 pm 10.