Foreign currency credit cards need to look at their settlement channels. For example, if the letter of credit bears the visa logo, it can be used on domestic equipment with the visa logo. However, there should be fewer businesses with this kind of equipment. Therefore, the use of foreign currency credit cards in China is limited and may be inconvenient.

The domestic credit card settlement channel is UnionPay, which has a high equipment penetration rate. At this time, it is best to have a UnionPay credit card in China, and the application requirements are not very high. After getting the card, it will bring great convenience to personal consumption. After use, you can directly repay the arrears in RMB.

Pay attention to the billing date and repayment date when using credit cards. By the billing date, the cardholder can know how much he spent in the last consumption cycle and how much he can pay back on the repayment date. If the individual fails to repay on time on the repayment date, there will be penalty interest and the bank will also collect it.

In fact, when individuals have difficulty repaying their credit cards, users can use installment repayment or minimum repayment amount. Using installment repayment can reduce the monthly repayment amount and will not cause overdue repayment. When using the minimum repayment amount, all consumption in the last consumption cycle cannot enjoy the interest-free period.