When using a credit card, please pay attention to the following matters:

1. Do not make late repayments, otherwise high interest and late fees will be charged. At the same time, late repayments will have a negative impact on personal credit records and have a serious impact on future applications for loans or credit cards, etc. Therefore, when using a credit card, be sure to make a repayment plan and pay it back on time.

2. Control the credit card limit and do not exceed your repayment ability. Remember that the higher the credit card limit, the better. Instead, you need to set a reasonable credit limit based on your own financial situation.

3. Choose the type of credit card carefully and choose a credit card that suits your consumption characteristics. For example, if you often travel on business, you can choose a credit card with airline mileage points; if you often shop in supermarkets, you can choose a credit card with cash back or discount benefits.

4. Strengthen the protection of credit card security, including not telling others your credit card information easily, and not using credit cards in unsafe network environments.

Don’t take overdue online loans lightly, and be even more cautious when using credit cards. Especially if there is already a record of overdue online loans, it will have an impact on credit card application and use. Therefore, ensure the security of your credit history and personal information. I would like to remind everyone that you can use “Xiaoqi Xincha” to view your online loan history, overdue details, debt status, dishonesty information and online loan blacklist.