First, there is no need to spend a lot of money without a credit card. In short, the credit card limit is your debt, not your deposit, and the money spent is the best, depending on whether you can pay it back.

Second, make good use of the so-called "interest-free period". If you can repay in full and on time, the interest-free period is real; However, if the repayment is not made in full, the interest will be paid in full from the day it is spent. Put it on next month's bill.

Points can be exchanged for gifts in the online shopping mall of the bank. If it is not used for a long time, the integral will be cleared and wasted.

Finally, don't use too many cards. Some cards will be charged an annual fee if they are not swiped enough. You don't have to owe the bank an annual fee if you don't spend money, do you? If it is not handled in time, it will also generate interest.

Finally, it must be moderate. Credit cards are good, but it's best not to brush your bottom line. If you are in danger of overdue, or feel that it has reached an irreversible point, you should find a way in time and don't delay. The longer the maturity, the greater the impact on credit.