Rule 1: You must cherish your credit limit and never default on the bank's money, because the bank's money can't be delayed for a minute. It is better to pay back the money earlier than to owe it to the bank. If the credit is delayed, the credit will decline, which will cause a lot of trouble.
Rule 2: When applying for a card, the cardholder should not apply for a high credit card just because he has a car and a house. If they don't contribute to the bank, the bank won't give you a high credit card at the first time (except in special circumstances), and the high credit card will gradually increase according to your credit rating and card usage.
Rule 3: Try to control your own consumption, and try not to withdraw cash by credit card or invest with the money in credit card, because the interest and handling fee for withdrawing cash by credit card are high, and it is ok to make money by investing. In case something goes wrong, how can I pay back the money in my credit card?
Rule 4: the money in a credit card can be used in many ways, not just a project; Usually develop a good habit of swiping cards, regardless of the amount, but it is best to swipe cards less or not, or you can stage them appropriately, which will help to increase the quota.
Rule 5: Don't trust to handle the promotion or intermediary of high-value credit cards at will, which will cause the risk of credit cards and information leakage and theft.
Rule 6: It is recommended that cardholders apply for cards early and raise cards early. I don't remember until I have no money, so the bank generally won't handle it for you.
Rule 7: When you meet the right opportunity, you should handle it well. Don't be too picky about choosing a bank, because if you miss a reasonable opportunity, you may not be able to meet the requirements when you want to handle it.
Rule 8: Credit card repayment, cardholders must learn to use a variety of repayment methods. If there is a problem with the usual repayment method, the cardholder can try another repayment method, which can avoid unnecessary credit problems.