1. It is best to apply for credit cards separately and set the repayment dates to different times.

2. When purchasing items, do not concentrate on the same card. You should spread it among several cards to reduce the pressure of repayment;

3. If you have applied for multiple banks For credit cards, you must clearly remember the statement date of each card so that you can know the longest interest-free period;

4. You can use credit cards when you go out to eat with friends, go shopping or go on a business trip. Come to pay, and in the end the repayment from my friend was in cash, and the reimbursement from the company was also in cash. In this way, we can use the reimbursement and repayment from friends to pay off the credit card, and at the same time, the credit points in the card have also increased.

5. You can compare which bank's credit card interest rate is the highest, and you can pay off the credit card of the bank with the highest interest rate first.