1. Say goodbye to overdraft for cash withdrawal
When some cardholders don't have enough money on them, they can withdraw money by credit card. In fact, not only can you not enjoy the interest-free repayment period, but you also need to pay a certain handling fee. Therefore, try not to withdraw cash by credit card.
2. Say goodbye to using the minimum repayment amount
If you choose the minimum repayment amount, you will be charged extra interest on the unpaid part, and the frequent minimum repayment amount will also have a great impact on the credit card withdrawal, so we must live within our means and spend rationally when swiping the card, and don't let ourselves fall into the dilemma of being unable to repay the credit card debt after excessive consumption.
3. Careful choice of installment business
Nowadays, credit card installment payment is more and more popular. However, have you considered the convenience of installment payment?
installment repayment solves the repayment pressure, which sounds good, but the cost of slightly relieving the pressure will increase. If you want to stage, you should remember to know the cost first. It is ok to stage once or twice occasionally, but in the long run, this handling fee is also very uneconomical.
Fourth, make full use of the interest-free period
A credit card can be interest-free for up to 5 days, and whether you can enjoy the 5-day interest-free period is related to the time when you swipe your card. You can enjoy the longest interest-free period on the first day after the bill, and you can only enjoy the shortest interest-free period on the day after the bill.
Make good use of the interest-free repayment period of the credit card and use the cash for investment and wealth management, which will not only generate any expenses, but also make Qian Shengqian in his hand happy.
5. Pay more attention to credit card discounts
Generally, card-issuing banks will have their own exclusive discount activities, such as 5% discount on Wednesday of China Merchants Bank, 5% discount on Friday of Guangfa, wonderful 365 of CITIC, etc. These wool ranges from a few pieces to thousands of pieces, all of which are worth catching.
In addition, in order to promote credit cards and encourage cardholders to use them more, the bank will calculate points according to the amount spent by cardholders. Brush the credit card day after day, and make full use of the accumulated points to exchange gifts within the validity period, which can not only make the credit card points be used reasonably, but also help us enjoy a quality life at a more favorable price.
VI. It should be noted that
Temporary withdrawal is easier than fixed amount, so many cardholders will choose to increase the temporary amount when they need to spend a lot. However, it should be noted that the temporary amount of consumption should be repaid in full, not in installments like fixed amount, but in one lump sum. If there is not enough funds to repay, it will become overdue.
Therefore, the temporary line can only be used as transitional funds, and the repayment should be prepared in advance, so as to avoid overdue payment due to non-payment, which will affect your credit.