1, don't pursue high quota. Some people judge whether a credit card is good or not by the amount. In fact, the amount of a credit card only needs to reach your average monthly consumption. On the one hand, excessive amount may stimulate your irrational consumption, and there will be security risks after the card is lost;

Your spending power has nothing to do with the credit card limit, but depends on your income level. Don't think that your spending power has improved just because the bank has increased your credit limit, otherwise you will fall into the "minimum repayment amount" every month.

Never overdraw cash. Suppose you overdraw 1 0,000 yuan and pay it back after 1 month. You have to pay a withdrawal fee of 1 1,000 yuan, plus 1, 500 yuan's overdraft interest. It doesn't seem like much, but the annual interest rate is as high as 30%. No one can stand such a toss.

4. A person can open up to two credit cards, and the repayment should be bound with your main savings card. I can't remember which card to return if I have more cards. As a result, I have wronged the interest, and maybe there will be a bad credit record.