1. No annual fee for swiping the card Credit cards may seem complicated, but the fees mainly include two parts: one is the annual fee, and the other is overdraft interest. By making good use of the preferential annual fee policies provided by most banks, we can pay the annual fee. For example, general banks stipulate that if you pay 6 times a year, you can be exempted from the annual fee. If you have multiple credit cards, you can focus on one of them when making small purchases at the beginning of the year. This way you can avoid being charged an annual fee because you forget the number of times you swiped the card.

2. Account-linked automatic repayment Although we need to make more use of the bank's interest-free repayment period, we often forget the repayment date for various reasons. We can open another debit card or savings account at the issuing bank of the credit card, automatically associate it with the credit card, automatically repay the account, and automatically deduct and transfer the money on the monthly repayment date. As long as there is sufficient balance in the debit card one day in advance, we can avoid the risk of overdraft interest.

3. Make good use of promotional co-branded cards. Nowadays, whether it is banks, shopping malls, travel agencies, airlines or insurance companies, there are many good co-branded cards for promotional purposes. For example, store VIP co-branded discount cards, airline co-branded mileage points cards, etc. Some fund companies have also opened services that convert card points into monetary fund shares. Ask about your credit card’s preferential policies before spending, and you’ll often get unexpected surprises.

4. Try to use the cash advance withdrawal function provided by most credit cards as little as possible. It is equivalent to adding a temporary emergency reserve fund to us, but we need to pay a handling fee, and there is no one-day interest-free period. . In this way, cardholders not only have to pay a handling fee of 1, but also pay overdraft interest of 0.5% per day, so under normal circumstances, they should use it with caution to avoid causing excessive losses to themselves. Even if you have money on hand, try to keep it in a debit card so you can withdraw cash when necessary.

5. Gold Card and Platinum Card, showing your identity while enjoying benefits. Different credit card levels reflect different identities. The bank's gold card and platinum card VIP services allow cardholders to enjoy many special privileges, such as bank VIP services, airport VIP rooms, free golf sessions, and free physical examinations, fully reflecting their VIP status.