In the process of using credit cards, it is necessary to withdraw less cash, make full use of points, automatically repay with associated bank cards, and make full use of interest-free period. It can be more cost-effective through such use.

1. Less cash withdrawal by credit card

Many people choose to withdraw cash by credit card without cash, but because of the high handling fee, there will be extra expenses, ranging from tens or even hundreds of yuan, which can be completely avoided.

2. Make full use of points

Credit cards of major banks support points redemption, which can be redeemed for supermarket shopping cards, movie coupons, gas cards, etc., and can be cashed back up to 5%, which can also save a lot of money for a long time.

3. Automatic repayment of associated bank cards

Credit cards must be repaid on time on the repayment date, otherwise bad card use records will be generated and personal credit records will be affected. If there is a savings card in the bank where the credit card is located, it is recommended to associate the savings card with the credit card, and the repayment can be made automatically 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 the interest-free period of 56 days, but if you choose to spend on the day of the billing date, you may only enjoy the interest-free period of 25 days. Some banks' credit cards can change the billing date, and there are differences in billing date, repayment date and interest-free period of various credit cards. You can choose the credit card that suits you according to your actual situation and make full use of the interest-free period.

Precautions

1. Credit card can facilitate our life, but its existence is also like a double-edged sword. If it is not used properly, blind consumption will only make you poorer and poorer, so it is particularly important to use credit card reasonably.

2. To make full use of interest-free, we should pay special attention to the billing date and repayment date, and only after the billing date can we get the longest interest-free period.