Every card slave wants to become a card god. He always thinks that after reading a few card god cases, he can become a card god. Don’t be naive. You must know that the card god also started from the card game. A novice can become a card god step by step. How can he become a card god if he doesn’t lay a good foundation? 11 tips for using cards. Only by remembering them can you take advantage of the bank. Will the road to a card god be far away?

Basics of using a card:

1. Billing date VS repayment date

What I want to talk about here is not the explanation of the terms billing date and repayment date. It tells you how to use the billing date. The billing date is first, and then the repayment date. Generally, the difference is 20 or 25 days. If you want a long interest-free period, swipe the card one day after the billing date, and swipe the card one day before the billing date. If you swipe the card in one day, the interest-free period is the shortest.

2. Credit card information is very important

Do not think that only the password is the most important. The three key information of card number, validity period and CVV code affect the security of the credit card, especially The CVV code is as important as the password. It is generally recommended to cover the CVV code with correction fluid or stickers.

3. Do this with no annual fee

There is no annual fee for the credit card in the first year. If you use it 6 times this year, the annual fee will be waived for the next year. Even if this card is not used very much, Also remember to list the annual fee-free times. Moreover, frequent credit card swiping can also increase the credit card limit. The most important thing is to remember to repay on time.

4. Don’t worry about various repayment methods

Nowadays, there is no need to line up at the ATM machine to repay, which is time-consuming and tiring. Now as long as there is third-party software, you can You can repay easily. The main methods include Alipay repayment, WeChat repayment, Lakala repayment, UnionPay online repayment, online banking transfer repayment, Tenpay repayment, debit card binding automatic repayment, etc. There are many ways, there is always one that suits you.

5. Do not deposit money into credit cards

Although debit cards and credit cards are both cards, the money deposited into the credit card is called "overpayment". It is easy to withdraw but difficult to withdraw. Generally, you need to pay a handling fee to withdraw the overpayment from a credit card, so never deposit money into a credit card.

Advanced card use:

6. Don’t have time to return it? Try deferred repayment

If you encounter a problem with cash flow, or your repayment is delayed for some reason, don’t worry, just call the bank’s customer service and apply for an extension of one to three days. Don’t worry. , generally bank customer service will help you extend it.

7. No money to pay back? Just change the billing date

What should I do if I don’t have the money to pay off my credit card? You can apply to change the billing date. Be careful to calculate the billing date in advance, so that you can enjoy the longest interest-free period and relieve financial stress. However, this skill cannot be used every month and requires skills. cd, some banks can apply for changes once every six months, and some banks can only apply for changes once a year. The details depend on the card issuing bank!

8. Credit card installment looks beautiful

Different people have different opinions on the matter of installment. It is undeniable that the installment interest is high. Even if it is interest-free, the installment fee is not cheap. , If you don’t want the bank to make a dime of your own money, you need to use installments with caution.

9. Try not to use it for cash withdrawals

As mentioned earlier, you should not deposit money into credit cards. Of course, you should not withdraw cash. Unless you need an emergency or are in a desperate situation, I do not approve of using credit cards to withdraw cash. , handling fees and interest are in one word, high! Remember, credit cards are for swiping purchases, not for withdrawing cash!

In-depth card use:

10. Should I have a password for my credit card?

Whether to set a password or not involves the issue of protection after the card is lost. Many foreign purchases depend on signatures, but according to Chinese consumption habits, the mainstream method of swiping cards using a combination of signature and password is , so it doesn’t make much sense to struggle with this issue. The key is to see whether the bank provides card loss protection. Furthermore, you must develop good card swiping habits and protect your credit card information. Once it is found to be lost, report the loss in time to avoid greater loss.

11. Tips to save money too

You can also deduct money for the monthly text message consumption reminder. Although it only costs a few yuan, it will still be sent out every month when the money is deducted. I feel sad that the bank is not willing to pay this little money. In fact, this money can also be saved. Most banks have opened official WeChat accounts. As long as you bind your credit card account, you can make any purchase as long as there is an Internet connection. Can get reminders.