1. Repay three days before the final repayment date

Many cardholders unconsciously overdue their payments precisely because they always delay repayment until the last repayment date. Some use third-party products to repay money, but the repayment time is not received in time, which will lead to overdue payment. It is recommended that cardholders who are accustomed to delaying repayment until the last repayment date can repay 3 days in advance. This will allow you to enjoy the interest-free period without causing expiration.

2. First make enough purchases to avoid annual fees

Many cardholders may not want to use credit cards just for collection, but now that a credit card is opened, some fees will be incurred every year. Avoid overdue annual fees. It is recommended to use the card enough times a year to waive the annual fee before letting the credit card sleep.

3. Protect your credit card from being arbitrarily borrowed

In addition, in order to prevent your credit card from being stolen, your credit card will not fall into the hands of others. To avoid unnecessary disputes, don't lend out your credit card.

4. Set up SMS reminders for credit card purchases

This is quite important. However, many people do not check this option when filling in the information. Once the card is lost or stolen, and there is no text message notification when making a purchase, it may be inexplicably recorded on the credit report.

Use Alipay or WeChat to bind consumption, and do not check the option of no notification or password within 200 yuan. If your Alipay account or WeChat account is stolen, your credit card may be swiped without the cardholder noticing.