1. Control your credit limit

When we want to apply for a card, many people hope that the higher the credit limit after evaluation, the better. You can buy more or more expensive things. In fact, you may not necessarily actually buy it, but you still want your credit limit to be higher. But what you need to understand is that in addition to helping you buy big-ticket items and beloved things that you are reluctant to buy, if your repayment plan exceeds the load of your salary income, it may also become a bureaucracy. A trap for you. Therefore, try your best to control your credit limit within three times of your disposable income, so as not to affect your normal life process.

2. Full repayment

When you reach the repayment period, you will feel that you can just repay part of it. Anyway, your credit will not be deducted, just a little bit. Just interest. Oh my dear, I believe they are also happy for you to continue like this. After a year, you will feel that half of your salary has been contributed to the bank.

When using a credit card, the most important thing is to be sensible. First, control the limit and don’t use too much. Second, repay the loan in full and don’t pay too much interest.