Newbies should pay special attention to the following points when using credit cards:

(1) If the card issuer offers a special discount for the first year to attract consumers to apply for a credit card, special attention must be paid to it. The offers in these promotions are usually short-term. Don’t be fooled by the moment. When choosing a credit card, you still have to give priority to long-term benefits.

(2) Avoid applying for more cards than you can afford. Evaluate your spending habits, needs, and financial situation before deciding which credit cards to choose.

(3). You must sign the new card immediately when you receive it, and cut the old card into pieces to avoid unauthorized use.

(4). You must keep your credit card safe and report the loss immediately if it is lost.

(5). Regardless of credit card or debit card, you must maintain a good credit record.

(6). Cash advance is convenient, but the price is high.

(7) Using revolving credit can help you manage your finances, but please note: Revolving credit is a type of credit loan that allows you to repay the entire consumption amount at once within the payment period. A portion of the amount is paid before each payment period, but interest must be paid additionally on revolving credit.

(8). Prevent credit card fraud.

(9) When changing your address or contact number, please notify the card issuer immediately.

(10). You don’t need to pay extra fees when you use your card to make purchases at special stores.

(11). If you are called by a collection agency because you have not paid, you are responsible for paying off the debt immediately. In serious cases, you will bear legal liability.