Those with a large retention limit and a long interest-free period are better.

Credit card limit, also known as credit card available limit, refers to the maximum amount that can be used by the credit card you hold. It includes the credit limit (that is, the maximum overdraft limit of the credit card) and the amount deposited into the credit card.

The limit of any credit card depends on the effective income and asset security value provided by the individual during the application process. The credit limit of a credit card is positively correlated with the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit obtained. Therefore, applicants must provide proof of income and statements of asset security. Asset guarantees include fixed assets such as real estate and cars, as well as current assets such as savings and bonds.

The credit card statement date refers to the card-issuing bank's regular monthly summary and settlement of various transactions and expenses that occurred in the credit card account in the current period, and the calculation of interest, and calculation of the total amount owed and the minimum repayment amount for the current period. , and for mailing statements. This date is the credit card statement date.

The credit card payment due date refers to the last date on which the credit card issuing bank requires the cardholder to repay the amount due. That is to say, after the card-issuing bank issues the bill, all the charges previously consumed should be paid off before the due repayment date.