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How to use a credit card with a limit of 1 million with the least stress

When using a credit card with a limit of 1 million, the following points can help you reduce debt pressure:

1. Carefully consider every purchase: When using a credit card, carefully consider every purchase. Whether the consumption is really necessary and avoid over-consumption. Only use your credit card to purchase items and services that you can pay off in a timely manner.

2. Develop a budget and repayment plan: Develop a detailed budget listing monthly expenses and income to ensure that you maintain good daily living expenses while paying off your credit card bills. Set up a repayment plan, make your payments on time and avoid late payments, which can incur high interest rates and additional penalties.

3. Try to repay in full every month: To avoid high interest and overdue fees, try to repay in full every month. This way, you can take advantage of the interest-free period offered by your credit card without racking up huge debt.

4. Pay attention to interest rates and fees: Carefully study the interest rate and fee structure of credit cards and choose a credit card that suits you. Make sure you understand transparent fees and only choose credit cards with longer terms or no annual fees.

5. Use installment payments with caution: If you do need to pay in installments, make sure you understand the interest rates and fees for installment payments, and choose an option with a lower long-term interest rate. Avoid excessive installments to avoid increasing your debt burden.

6. Properly manage your credit limit: Use your credit limit rationally and do not exceed what you can afford. Make sure you keep a portion of your credit line aside for emergencies to avoid being unable to use your credit card in an emergency.

Please note that these are general recommendations and are not specific to your situation. Everyone's financial situation is different, so if you need specific advice, please consult a professional financial advisor.