It is the most direct and official way to enjoy the longest interest-free period of the bank directly on the billing date.

2. Scaffolding

After the bill comes out, one or two days before the repayment date, the installment will be handled at this time, so there is no need to pay it back on this repayment date, and the first installment will be paid back from the next repayment date. In this way, you still have a month. Unfortunately, the disadvantage of this is that you have to pay a little handling fee, but the interest calculated by the bank because of your overdue repayment is basically negligible. Moreover, the number of consumption is calculated by stages, and the annual fee is also free.

Therefore, when it comes to installment, don't do it at the beginning, and wait until the repayment date arrives.

Step 3 modify the bill

Some banks' credit cards can be modified by online banking, for example, people's livelihood is changed once a year and China Merchants Bank is changed once every six months.

For example, suppose your bill date is 12, and the last repayment date of each month is 1.

Under normal circumstances:

On June 12, the consumer spent xx yuan;

July 12 sunrise list;

August repayment1;

The longest interest-free period you can use is 50 days.

And modify the bill:

On June 12, the consumer spent xx yuan;

In July 1 1, the billing date was changed to 10, and payment was made on 28th;

Pay the bill on August 10 and repay it on August 28th;

It's 77 days in all.

There are still 22 days, almost a month.

If you happen to spend a lot of money, you can use this method to extend the interest-free period of consumption, whether you buy a car yourself or help your friends paint the house and pay taxes. As for where to put the extra money, the simplest thing is to put it in the balance treasure.

China bank credit card can be operated in this way. Call the credit card customer service two days before the repayment date to ask for an extension of repayment, which can be postponed to the day before the next billing date. China Bank Platinum Credit Card 60-day interest-free period +59-day delay period = 1 19 days.

4. Taobao Refund Law

After the bill comes out, go to Taobao to buy something with the same amount as the information card bill, and return it immediately after paying with a credit card, or find an excuse such as "wrong purchase" and ask the seller to help refund after paying. The principle of credit card is to repay by default as long as you have an account, so that the money you refunded from Taobao can help you pay back this month's account, next month's account and the next repayment date.

5. The ultimate trick of refusing to return the card-cash consumption without credit card.