Generally, the repayment date of the credit card is about 2 days after the billing date, so we can swipe the credit card on the second day of the billing date, so the interest-free period of the credit card is the longest, but if we swipe the credit card on the day before the billing date, the interest-free period is the shortest.
Second, spend more by swiping your card
If you can swipe your card, you can avoid the annual fee, as long as you swipe your credit for six times. Brush up the amount stipulated by the bank without annual fee; You can also use points to exchange annual fees and so on.
In this case, we can spend more by credit card, and the annual fee will be exempted if we meet the number of times. And as long as we repay on time and keep a good credit card record, it can also help us increase the credit card limit. In fact, it is also helpful to make short-term installments once in a while to make the bank earn some money.
Third, be careful with credit card installment
In fact, the interest on credit card installment is very high, even if it is interest-free, it is not cheap, which is equivalent to paying a lot of interest fees.
Fourth, try not to withdraw cash
Cardmembers are strongly advised not to withdraw cash, because there is a high handling fee for withdrawing cash, and daily interest and late fees will be charged on the day of withdrawal.
if there is an urgent need to withdraw cash by credit card, it should be paid off in the shortest possible time, and it should never be used as a long-term financing tool, so as to avoid making profits and increasing penalties, and the small overdraft will eventually become a huge debt or even lose personal credit.
V. Choose a good repayment method
There are various repayment methods for credit cards. Choose the most convenient one, which can be Alipay repayment or automatic repayment with a debit card. Xiaobian suggested that it is better to choose to bind a debit card or use the bank's app to repay, which is safer.
6. Reject unreasonable consumption
As long as there are unreasonable charges on credit cards, we can contact the bank customer service. We applied for the cancellation of some unreasonable charges. If the customer service doesn't agree, say that there is no authority, and insist on complaining to a higher level department, it can generally be cancelled.