First, credit card security issues cannot be ignored. When it comes to credit cards, cardholders are most concerned about the security of credit card swiping, and the most troublesome issue is definitely the problem of fraudulent swiping. However, not every bank will automatically provide SMS service functions, so cardholders can take one more step when activating their credit cards, which is to apply for SMS reminders for account changes. In this way, cardholders can have a clear understanding of their account changes. If an abnormality occurs, remedial measures can be taken immediately. Of course, this service may not be free, and cardholders can first understand the charging standards before making a choice.

Second, people are most concerned about the repayment issue. If the credit card and debit card used by the cardholder are from the same bank, they can apply for automatic repayment and bind the two cards to the credit card for final repayment. On the day, the bank will automatically transfer the money from the debit card to the credit card. Provided there is sufficient funds on the debit card. Once you apply for this repayment method, you can settle it once and for all. You don't have to rush around for repayment, and you don't have to worry about the interest and bad credit caused by forgetting to repay. It is worth noting that the automatic repayment function applied for by some banks in the current month will not take effect until the next month.

Third, how to make good use of various preferential policies of credit cards. Nowadays, credit card repayment methods have become diversified. If the credit card and debit card are not from the same bank, you can still go through the third step without leaving home. The third-party payment method enables repayment to credit cards of other banks without paying any handling fees. However, what is easy for cardholders to overlook is that repayment using this method generally requires that the transferred debit card has the online payment function in advance, so cardholders may wish to apply for online banking for their commonly used debit cards and credit cards. You can make transfers and repayments at any time without going out. You can also use the online payment function to shop online, book air tickets, handle payments, etc., saving yourself some time and effort.