First of all, it is necessary to determine whether the billing date can be changed. At present, most banks support changing the billing date, usually once a year or for a certain period of time.

Secondly, the billing dates of the three cards are divided into one month, such as the beginning of the month, the number 10 and the number 20, which can maximize the billing cycle and maximize the utilization. One card is used before 10, two cards are used after 10, and three cards are used after the 20th, so the billing cycle is the longest.

Finally, consider the card habit. For example, if you pay utilities on the 8th of each month or have shopping habits at the beginning of the month, you can consider two or three days after the bill date as a common online property day or payment day. Pay all kinds of fees on the 8 th of each month, and you can swipe your card, so you can set the billing date on the 6 th. In this case, the billing cycle is long and the most favorable.