If you are just using your credit card for normal purchases, any time is the best time. If you have a large purchase (such as going on vacation), it is recommended to choose holidays or birthdays to make the purchase.

During holidays, banks generally provide temporary limits or make it easy for customers to apply for temporary limits. Some banks will provide consumption discounts or double credit card points on customers’ birthdays for some card types, and other preferential policies.

Credit cards generally have an interest-free period, with a maximum period of up to fifty days, and an overdraft amount of up to 50,000 yuan. As long as we pay off the overdraft on the card before the interest-free period ends, there is no danger.

Imagine putting this 50,000 yuan in the bank to earn interest, or make other investments. Wouldn’t this be something that can make money with a credit card? Nowadays, credit cards have several discounts, and the discounts vary depending on the amount. When your points reach a certain amount, you can choose gifts or discounts that are useful to you. Wouldn't a credit card also add more comfort to your life?

When we use a credit card, if we choose a shopping mall or supermarket that has cooperation with the card issuer, wouldn't it be a good thing for consumers to save money by offering discounts and rebates? When using a credit card, be sure to protect it! Once lost, it is likely to be maliciously stolen. In addition, the annual fee and repayment date must be kept in mind.

China UnionPay credit cards can be used for online payment without opening online banking, which is mainly based on UnionPay’s cardless payment channel. Credit card holders do not need to use online banking when making certified payments, quick payments and ordinary payments. Cardholders use their credit cards to make online purchases without having to open online banking. They only need to provide personal verification information such as the card number, password, mobile phone number stored in the card-issuing bank, dynamic password, etc. to make online payments conveniently.

For non-cash transactions, the period from the bank accounting date to the due repayment date is the interest-free repayment period. The interest-free repayment period is as short as 20 days and as long as 56 days. During this period, as long as you repay in full the amount due on the current period's statement, you will not have to pay any interest on the funds advanced by the bank to the store for non-cash transactions (cash advances do not enjoy the interest-free discount).

Repayment due date - the last date specified by the card issuing bank when the cardholder should repay the entire repayment or the minimum repayment amount.

The billing date refers to the date when the card-issuing bank regularly summarizes the various transactions and expenses incurred in the cardholder's credit card account every month, calculates the interest, and calculates the cardholder's repayment for the current period. .