Skill: brush enough times, free of annual fee; Don't pay by installment; Do not use the minimum repayment amount; Pay attention to the time of swiping the card; Modify the credit card bill; Repay in full and on time; Swipe more cards and increase the frequency of swiping cards; Only pay back the arrears to avoid deposit overflow; Participate in more banking activities.

1 will enrich your credit history. You should know that banks are most afraid of white households. Because there is no consumer behavior to evaluate risks, white households are less likely to lend to banks.

2. If the credit card is used properly, it can be used interest-free for at least 30 days, not only giving you a free quota, but also points and merchant discounts.

If the credit card is improperly operated, the extra interest and liquidated damages will be huge, and this part of the money will not be noticed at all. So you will feel that you can't spend all the money on your credit card and want to avoid working for a bank.

The first thing to do after receiving a credit card is to activate it. Credit cards can only be used after activation. After the general user receives the credit card, there will be a corresponding credit card activation method in the envelope where the credit card is mailed, and the user only needs to activate it according to the contents of the envelope. After activation, set your own credit card transaction password, and you can use the credit card for credit card consumption.

After the credit card is activated, you can start to swipe your card. Just use a credit card to swipe your card at a merchant with a POS machine. In addition, cardholders can also bind their own credit cards on the online payment platform and make online consumption payment directly.

About credit cards

1. Credit card is a special card issued by banks or other card issuers to the public, which gives cardholders a certain credit limit. Within the credit limit, they can spend first and then repay, or they can shop at designated merchants in China, or deposit and withdraw cash at designated banking institutions and settle in RMB.

2. Credit card not only plays the role of a payment tool, but also plays the most basic bookkeeping function. Coupled with the functions of cash advance and revolving credit, credit cards have surpassed the role of simple payment tools and have the function of financial management.