How to use credit cards correctly is a topic that card friends have been paying attention to. Some card friends can't find the correct way to use their credit cards even though they have rich preferential activities and numerous rights and interests. Not only did they not enjoy the rights and interests of the card, but they also brought themselves a lot of trouble. Next, I will tell you a few "postures" for using credit cards correctly.

1. Cherish your credit limit, don't default on the bank's money, and avoid bad credit records caused by overdue repayment, which will bring you a lot of trouble and inconvenience to future business dealings with the bank;

2. 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 of credit card withdrawal are very high. If the investment loss is not as high as the credit card, it will become a card slave;

The money in the credit card can be used for many purposes. Don't just use one item. Usually develop a good credit card habit, regardless of the amount, but the capping machine is best to brush less or not, or it can be phased appropriately, which is helpful to increase the quota;

4. Learn to pay attention to the preferential activities of banks, make full use of credit card discount activities to save money, exchange credit card points for gifts for low-priced movie tickets and affordable meal tickets, and accumulate credit card points for rights and interests;

5. Don't use non-credit cards to withdraw cash or settle accounts abroad, but also use the repayment function of credit cards in consumption abroad and domestic RMB cautiously, because this not only has the risk of exchange rate changes, but also causes the issuing bank to bear the losses caused by exchange rate changes, and the issuing bank also charges related foreign exchange fees, and some of them charge various fees from foreign correspondent banks, which is very expensive;

6. In the problem of how to use credit cards correctly, it is undoubtedly the most important to properly keep your own cards and personal identity information. It is suggested that card friends open a credit card consumption SMS reminder service to know and verify their consumption information in time. Once an abnormality is found, measures such as freezing the card and reporting the loss should be taken in time. After reading these "gestures", I believe that how to use credit cards correctly is not a problem for all card friends. Only by using the card carefully and keeping it carefully can we give full play to the role of the credit card. As long as you always pay attention to the key points of using credit cards correctly, I believe you can also become a great god of playing credit cards.

How to use a credit card Only by learning these eight rules can we use a credit card correctly.

1, Rule 1: Be sure to 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 be reduced, which will cause a lot of trouble.

2. Rule 2. Cardholders should not want to apply for a high credit card just because they have a car and a house. If they don't contribute to the bank, the bank won't give high-value credit cards at the first time (except in special circumstances), and high-value credit cards will gradually improve with the credit and card use.

3. Rule 3: Try to control your consumption status, try not to withdraw cash by credit card, and don't use the money in credit card for investment, because the interest and handling fee for withdrawing cash by credit card are high, and it is not bad to make money by investment. In case something happens, how can I pay back the money in my credit card?

Rule 4. The money in a credit card can be used for many purposes. Don't just use one item; 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.

5. Rule 5. Don't believe in handling the promotion or intermediary of high-value credit cards at will, which is risky for credit cards and will also cause information leakage and theft.

6. rule 6 It is recommended that cardholders apply for cards early and raise cards early. If you don't have money, don't think about getting a credit card. Banks generally don'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 you missed a reasonable opportunity and may not meet the requirements when you want to handle it.

Rule 8. For 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.

How to use credit card correctly?

Proper card maintenance can increase the credit limit of our credit card. The following methods have passed the test of time and are considered to be the most effective by most senior cardholders.

1, swipe your card more.

2. Control the frequency and amount of credit card swiping.

3. Get the right credit card.

4. Handling installment payment or cash withdrawal business.

5. Seize the right opportunity to increase the amount.

6. Repay in time.

Skills of using credit card correctly

1. Pay attention to the combination of size and credit card limit.

Card friends who like to spend a lot of money need to pay attention. It is a good choice to brush a few small sums of money when you are free, which can not only prevent bank risk control but also increase the quota. Card friends who usually like to spend a lot of money in small amounts can sometimes spend a few large sums. Otherwise, they have been spending a small amount, and the bank will judge that the cardholder's consumption level is insufficient, so the quota naturally does not need to be increased.

2. You can't swipe an integer.

Maybe people don't pay much attention to the amount of credit cards when they swipe their cards. In fact, this will also affect the withdrawal amount. When swiping a card, the cardholder should try to avoid the same last three digits of the swiping amount, such as 1666, 1888, 1999, etc. And you can't brush the amount of1234,4567 like the landlord, which is not normal. The best credit card amount is 1845.

3. Do not brush merchants without points.

Most merchants without points have no cooperation with the issuing bank and can't make money, so users without points should not brush or brush less. Although the merchants without points vary from bank to bank, they can be roughly classified into three types of merchants: agriculture, rural areas, government, education, public welfare, transportation, convenience and refueling.

4. The card swiping time should be normal.

The cardholder's card swiping time should conform to the law, for example, it is best to swipe the card between 9 am and afternoon 10, and try not to swipe the card at other times. Of course, normal consumption can be ignored. If card friends with abnormal consumption have to brush, they should also brush the right types of merchants, such as bars, KTV, nightclubs and so on at night.

How to use a credit card

Credit cards have many functions, and different functions correspond to different ways of using them.

Details are as follows:

1. consumption: after activation, you can swipe your card on the merchant's POS machine, or bind WeChat, Alipay and other software for online payment;

2. Repayment: You can insert the credit card into the ATM and save money for repayment;

3. Cash withdrawal: insert the credit card into the ATM and enter the cash withdrawal amount to withdraw cash.

After you apply for a credit card for the first time, you need to activate it to use it.

Credit cards usually have an interest-free period of 20 -50 days, and the longest interest-free period at present is 56 days. There is no interest on overdraft consumption during the interest-free period. Cardholders need to enjoy the interest-free period correctly, repay in time when due, and do not generate overdue interest. The interest on overdue repayment shall be unified at the daily interest rate of 0.5 ‰, with monthly compound interest. Therefore, timely repayment is very important.

If you enjoy the interest-free period correctly, you can also use the interest-free period to manage your finances. For example, if you spend a lot of money, you can free up cash to invest in short-term wealth management products, such as money funds, to obtain income. On the eve of the repayment date, the monetary fund can be redeemed for repayment. Now there are many wealth management apps that can remind the repayment date, and banks will also send messages or emails to remind the repayment.

How to use the credit card and how to operate it?

How to use:

1. Keep credit cards, identity documents, mobile phones or other electronic devices used to bind credit cards properly.

2. Keep personal information and card information (including expiration date, CVV2, etc.). ), relevant letters and short messages sent by Party B and other information.

3. Set, keep and use the transaction password correctly; For the transaction completed by the mobile phone dynamic verification code, the dynamic verification code is regarded as the transaction password; Party A shall not disclose the password and dynamic verification code to others.

4. Pay reasonable attention to the credit card environment (including but not limited to real scenes and network environment) and avoid using credit cards in dangerous areas and websites with low trust.

5. Pay close attention to the announcements and risk warnings issued by Party B in time. ..

6. Other necessary measures to prevent risks that should be taken.

Operation process:

1, check the user guide:

After receiving the credit card issued by Party B and the attached card letter, Party A shall timely understand the information listed in the card letter, carefully read and abide by the credit card business regulations and related explanatory materials such as the User's Guide publicly disclosed by CCB. If in doubt, please consult Party B through Party B's customer service telephone number, website and other channels in time.

2. Activate the card:

Party A activates the card in the way specified by Party B, and immediately signs the same name as the application materials in the signature column on the back of the card; If Party A needs to sign the card for confirmation, it shall use this signature.

3. Set the password:

Party A shall set the credit card telephone banking password and transaction password through the channels designated by Party B. The credit card telephone banking password is applicable to the identification of Party A calling Party B's customer service telephone number; Credit card transaction password is applicable to the confirmation of credit card consumption and cash advance.

4. Normal credit card consumption.

Extended data:

Credit card repayment related matters:

1. Pay attention to regularly checking the statement and actively checking the accounts. If you don't receive the current statement, you should contact Party B to reissue it in time, and you can't refuse to repay on the grounds that you don't receive the statement. If you have any questions about the contents of the statement, you should inquire Party B within 50 days after the transaction date and apply for reading the purchase order.

2. Party A shall cooperate with Party B for verification after raising the transaction objection, and provide corresponding verification materials as required by Party B. If the transaction result is verified, it shall be borne by Party A, and Party A shall pay the handling fee for reading the order. For the transactions that have raised objections, Party A shall still repay the amount listed in the statement on schedule, except that Party B agrees to exempt Party A from the repayment responsibility before the due repayment date.

3. The debts incurred by Party A due to the use of the credit card shall be repaid in the corresponding currency through the relevant channels allowed by Party B in time, or through the agreed account repayment method. When Party A chooses the agreed repayment account, the agreed repayment account shall be a cash account.