1. Classify multiple credit cards and find the essence of the credit card

Sometimes you apply for a credit card just because a friend is applying for one or at the same time, so you just apply for one. For consumption only, it is appropriate to have 3 credit cards, but it will be difficult to manage more. It seems unnecessary to classify three cards, but if there are many, you need to classify them well. Try to make the functions of each card different. When you go out to spend money, which credit card is the most favorable and which one should be brought with you.

2. When you have multiple credit cards, swipe your cards spreadly to earn enough swipes

Most credit cards require a certain number of swipes to waive the annual fee, so you must swipe your cards as hard as you can. . If you have a credit card, you only use 10,000 or 20,000 yuan a year, but you do not reach the required number of times and have an annual fee of several hundred yuan deducted. This is not cost-effective. If you want to use credit cards to manage money, you must have enough knowledge about credit cards. Some cards require the number of swipes, some cards require the number of points to be swiped, and some cards require a certain amount of swipes. In any case, when managing finances, we must save small amounts of money so that we can accumulate a small amount into a large amount.

3. Protect credit card information security

In order to protect credit card information, some cardholders will create a special document to protect and store credit card information, such as: credit card number. It's 16 bits, separated in four places, and it looks clear at a glance. Indicate the card issuing bank, card number, CVN, validity period, limit, etc. The card number is easy to copy. The expiration date and CVN are very key words and cannot be disclosed to others. With these numbers, when paying online, you don't have to open the package at all, just the document.

Of course, the billing date and the repayment date are two very important dates for credit cards, and they must be kept in mind. Users with multiple credit cards should spread out the billing dates and repayment dates of their credit cards as much as possible to facilitate repayment. Some banks can also customize settings online, but the number of times is limited. You can only have free access once or twice a year.

4. Credit card repayments should be made in advance to avoid being on the credit card blacklist

Many people are accustomed to delaying repayment until the last day of repayment. They think this method is Wrong. Because if you forget on the final repayment date, you will be on the blacklist and will remain in the credit record system for 5 years, which is equivalent to giving a bad impression to the banking system.

5. Swipe your card safely and be careful to prevent card duplication

Using your card safely is the key to "maintaining" a good credit card. Nowadays, technology is getting better and better, and bank card duplication is very simple. There are many cases of credit cards being copied and used, so it is very important to use your cards safely. Learn more about credit card security.

6. If you have any questions, communicate with the bank’s customer service in a timely manner

During the process of using the card, if you encounter any problems, you must communicate with the customer service in a timely manner and answer all questions. In some cases, customer service is the best resource. Of course, it is difficult to call every bank, and you need to slowly choose the corresponding business. But there are some situations where a phone call is the quickest solution. For example, if you suddenly remember that today is the credit card repayment date, you must call customer service to explain the situation. You can extend it by one day to avoid overdue records.

If you want to use your credit card well, you must take care of it from all aspects. Whether it is credit card consumption, credit card repayment, or credit card security, you must do your best.