When it comes to the most cost-effective way to swipe your credit card, many cardholders will raise their hands and say that it is most cost-effective to swipe their cards at credit card partner merchants and you can enjoy relevant discounts. But in addition to this, you must also master the timing of swiping your card. Let’s take the China Merchants Xiamen Airlines Egret co-branded card as an example to introduce it to you. Business travelers who often travel on business are certainly familiar with this credit card, especially many "flying people" in Xiamen who are holders of this card. As an airline co-branded card, this card is both a China Merchants Bank credit card and a Xiamen Airlines Egret membership card. You can automatically accumulate mileage when using this card to spend at Xiamen Airlines and its partners, or at tens of thousands of China Merchants Bank’s preferential merchants across the country. You can enjoy varying degrees of discounts. This discount covers a wide range of areas, including catering, entertainment, Various fields such as life and leisure. (Accumulate Xiamen Airlines miles by swiping your card; enjoy high-value aviation accident insurance)

So, when is the most cost-effective time to get the most bang for your buck? 1. Grasp the interest-free period of your credit card: The interest-free period of China Merchants Bank’s credit card is 20 to 50 days. If you use your credit card effectively and make purchases on the day after the statement date, you can enjoy the 50-day long interest-free period. The ultra-long interest-free period not only relieves consumption pressure, but also allows cash to be kept in your hands for a long time, which can also generate value. 2. Modify the bill date: China Merchants Bank supports modifying the bill date, but it can only be modified once every six months. Modifying the credit card bill date is effective for the current period. Therefore, you must make the modification on the original bill day, and change the new bill date to the original bill date and push it forward. On that day of 2 days, your current interest-free period can be extended by one month.