1. Apply for a credit card as needed. The biggest function of a credit card is that it can be used as an overdraft, which can provide assistance when money is urgently needed. However, if you don't use a credit card as an individual, you don't need a credit card. If you want to borrow or repay, you have to keep track of the repayment date. Sometimes you actually repaid the loan, but you just missed it by a little bit. As a result, you thought you didn't owe anything, but the interest on that little money will be a lot. At this time, it's not just the interest issue, but also the interest rate. There are late fees. Therefore, credit card bills must be managed well, and banks are also obliged to notify users in a timely manner. If users do not repay in time, they should contact them by phone in time until the user can repay in time. If you really owe 300 million for buying a pack of cigarettes and alcohol, it seems a bit exaggerated. How high the interest and late fees will be, and how long will it take to pay back the debt? But on the other hand, the bank has not done its part. The obligation to notify in time, and users did not manage their credit cards well.

2. Don’t blindly apply for a credit card just because of some small gifts. Nowadays, some card applicants will give you some gifts as a reward for you to apply for a card, and some credit cards cooperate with some merchants to provide some discounts. However, in fact, some of the gifts are of average quality, and some gifts require a certain amount of consumption within a specified time before they can be given. There are also quotas for discounts provided in cooperation with merchants. In short, it is unreasonable to apply for a credit card just for some small discounts. It is difficult to manage too many credit cards, and some credit cards have annual fees. You need to know how to avoid them. Annual fee.

3. Some people apply for many credit cards and then transfer funds between credit cards. In fact, such behavior is also unobtainable, because the money owed always has to be repaid, and the money withdrawn from the credit card is not Yours, you still have to use your own money to pay it back in the end.

Hold a credit card as needed, manage your credit card bills, and activate the credit card when necessary. I think this is the right way to use a credit card!