1. Pay attention to automatic repayment. The disadvantage of too many cards is that it is easy to forget the repayment date. The binding savings card is set to automatic repayment, so don't think you can sit back and relax. Once the balance of the savings card is insufficient, or the banking system is upgraded, it is easy to cause repayment failure, thinking that it has been paid, but it has not been paid yet. What's more, the bank will only automatically deduct it once, and even if it fails, it will not be deducted again, so it may be overdue if it is not careful.

2. Be careful of being overcharged. Every holiday is the peak of credit card use, and after each peak of credit card, it is also the peak of credit card repayment errors. According to past experience, the main performance is not to repay in full and on time. In order to meet the demand of buy buy on holidays, cardholders will apply for increasing the temporary credit limit. Behind the chic is the embarrassing period of repayment. Cardholders who do not know the term of the temporary credit line will be punished by default interest once they choose the minimum repayment amount. Because if the temporary quota expires, I don't know, I will spend according to the increased temporary quota when I swipe my card. It is easy to exceed the original credit limit, and the bank will charge the credit card for exceeding the limit.

3. Be careful about the minimum repayment amount. If the minimum repayment amount is used for a long time, the bank will definitely suspect that there is something wrong with the repayment ability, so it may not be so smooth to withdraw cash or reissue the card in the future, so it is better to repay the card in full if the funds are sufficient, which is more conducive to the management of the card in the future.