1. spend more on credit cards. The main use of credit cards is credit card spending, which can enjoy an interest-free period for a certain period of time, and sometimes there are some concessions. In addition, the annual fee-free credit card and the accumulated points are all related to the number of swipes, so you should always use credit cards to spend money.

2. You can enjoy the longest interest-free period by swiping your card after the bill. The interest-free repayment period of a credit card is from the date of consumption to the final repayment date, with a difference of one month between the longest and the shortest. You can enjoy the longest interest-free period when you swipe your card after the bill date.

3. Try not to withdraw cash by credit card. It is expensive to withdraw cash from overdraft on a credit card, so you can't enjoy the interest-free period. The withdrawal amount is calculated at five ten thousandths of the daily interest rate, and a withdrawal fee ranging from tens to hundreds is deducted.

4. Repay in full and on time. If the repayment is overdue, the bank will not only charge overdraft interest, but also pay a late fee. Seriously, it will also cause bad credit and cause a lot of inconvenience for applying for loans in the future.

5. Only pay back the arrears to avoid over-deposit. Overpayment of credit card is the part that the credit card holder deposits after paying off the arrears, and the credit card overflow deposit will not generate any interest.

6, rational use of credit card installment, credit card installment will generate additional costs.