1. Consume rationally and do what you can
With the development of modern finance, credit cards have also brought many conveniences to cardholders. But convenience doesn't mean indulgence. Everyone should combine their actual income as much as possible and spend within a reasonable range. It is recommended not to swipe your card or make unplanned consumption.
2. Pay back the loan on time and attach importance to credit
The most basic principle of using a credit card is to pay back the loan on time, which is related to the cardholder's personal credit. Without credit, it will be difficult to move in society. So don't overdue, so as not to affect personal credit.
3. Clever use of interest-free account period
Credit cards have an account date and a repayment date, and there is an interest-free account period of about 5 days between this repayment date and the next repayment date. Smart friends try their best to concentrate on spending after the billing date, especially on large items, so that they can enjoy the interest-free period for the longest time.
on the contrary, try to avoid spending a few days before the account is issued, because the interest-free period you can enjoy is only 1 days at the shortest, which is very uneconomical.