2. If the minimum repayment is made on time, it will be charged at the daily interest rate of 0.5 ‰ from the consumption bookkeeping date.

3. If the repayment is overdue, besides the above interest, there will be a late payment fee.

4. Know two important dates of your credit card: the monthly billing date (also called the reconciliation date) and the final repayment date. To call customer service, the number of the credit card center is on the back of the card!

Ask the bank to send you a statement on time every month. If it is not convenient to receive paper letters, let the bank send an email instead.

6. Know clearly the minimum handling fee for each withdrawal of your credit card.

Advantages:

1, there is no deposit for overdraft consumption, and you can enjoy an interest-free period of 20-56 days. Repayment can be made on time without any charge (most banks will charge 0.05% interest and 2% handling fee on the day of withdrawal, while ICBC will charge no handling fee but interest).

2. It is not only safe and convenient to swipe your card when shopping, but also a bonus gift.

3. Special merchants who hold cards in banks can enjoy preferential treatment.

4. National access is barrier-free, and you can withdraw money or spend money on ATMs and POS machines with UnionPay logo.

Credit card-Baidu encyclopedia