1, minus cash withdrawal by credit card
Many people will choose to withdraw cash by credit card when they have no cash, but because of the high handling fee, there will be extra expenses, ranging from tens of yuan to hundreds of yuan, which can be completely avoided.
2. Make full use of integral
Credit cards of major banks support points exchange, which can be exchanged for supermarket shopping cards, movie coupons, gas cards and so on. And it can be cashed back up to 5%, and it can save a lot of money if used for a long time.
3. Automatic repayment of associated bank cards
Credit cards must be repaid on time on the repayment date, otherwise there will be bad card use records and personal credit records will be affected. If the bank where the credit card is located has a savings card, it is recommended to associate the savings card with the credit card and automatically repay it on the repayment date, but the savings card must have sufficient balance.
4. Make full use of the interest-free period.
If you spend on the last day of the billing date, you may enjoy a 56-day interest-free period, but if you choose to spend on the day of the billing date, you may only enjoy a 25-day interest-free period. Some banks' credit cards can change the billing date, and the billing date, repayment date and interest-free period of various credit cards are different. You can choose a credit card that suits you according to your actual situation and make full use of the interest-free period.
Matters needing attention
1, credit card can facilitate our life, but its existence is also like a double-edged sword. If used improperly, blind consumption will only make you poorer and poorer, so it is particularly important to use credit cards reasonably.
2. Make full use of interest-free. Pay special attention to the billing date and repayment date. Only after the billing date can you get the longest interest-free period.