1. Reasonably modify the billing date

You can apply to modify the credit card billing date according to your needs. If you have two credit cards, it is recommended to stagger the billing dates so that the repayment date is also If you stagger it, the repayment pressure will be much less. In addition, it is recommended that commonly used credit card repayment dates should be two days after wages are paid or monthly income is received, so that you don’t have to worry about running out of money to repay.

2. Choice of repayment methods

There are many repayment methods for credit cards. If you don’t want to forget to repay due to carelessness, it is best to bind a savings card and activate the automatic repayment function. . Note that some banks will limit the amount of automatic transfer repayment. If the bill repayment amount is too large, be sure to pay attention to whether the deposit in the savings card is sufficient.

3. Optimize repayment for credit card consumption

1) Use whichever card you can enjoy discounts and benefits, and earn points;

2) Keep track of the billing date and make purchases after the credit card billing date to enjoy the longest interest-free period.

Expansion materials:

If the operation is improper and the repayment is not made in time, the consequences of overdue repayment will be serious, so overdraft consumption should be moderate. Although the biggest feature of a credit card is its overdraft function, it actually constitutes a loan relationship between the customer and the bank. Failure to repay when due may not only cause legal disputes, but also bear high penalty interest, and most importantly, Forming a bad credit record will have a negative impact on future work and life.

After defaulting on a credit card with high penalty interest, the penalty fees usually involved are recurring interest fees and late payment fees.

Cause legal disputes

Leave "credit stain"

Baidu Encyclopedia_Credit Card Repayment