1. Pay attention to the billing date and repayment date: When using a credit card, you need to pay attention to the repayment date and billing date. Usually the repayment date is 20 or 25 days after the bill date. The card is swiped one day after the bill date, and the interest-free period is the longest. If you swipe your card the day before the billing date, the interest-free period will be the shortest. Remember!

2. Protect credit card information: There are three pieces of information on the credit card that need to be paid attention to and protected - card number, expiration date, and CVV code. Among them, the CVV code is the most important. It is as important as the credit card password. Remember to keep those three numbers in mind. You can use correction fluid or stickers to cover the CVV code, or it is safest to scrape off the CVV code with a razor blade.

3. Avoid annual fees: If you have already applied for a credit card, it is recommended to use it multiple times, because many banks stipulate that the annual fee can be waived if the credit card is swiped 6 times. So you have to swipe at least 6 times, so you don’t have to pay the annual fee. In addition, you can increase your credit card limit by swiping your card more frequently and swiping your card frequently for consumption.

4. Repay on time: In order not to affect personal credit and maintain a good credit record, it is very necessary to repay on time, and this is also a way to increase your credit limit. There is another way to increase the credit limit, which is to make more credit card installments so that the bank can earn your money and increase the credit limit faster. This method requires a certain cost, so remember to use it with caution.