Tips to become a credit card master

1. Pay attention to two dates: billing date and repayment date

The general repayment date is 18 days after the billing date , if the card is swiped the day after the bill date, the interest-free period will be the longest, and if the card is swiped the day before the bill date, the interest-free period will be the shortest.

2. Protect the credit card information

The three most critical information on the credit card: card number, expiration date, and CVV code (that is, the three digits after the signature field on the back of the credit card) These three key pieces of information affect the security of your card, especially the CVV code, which is as important as the password. It is recommended to use correction fluid or stickers to cover the CVV code. Some people even use a razor blade to scratch off the CVV code and remove it. Three numbers to keep in mind.

3. Only by swiping your card frequently can you avoid the annual fee; only by repaying the loan on time can you make an increase.

Therefore, you must pay out the annual fee. In addition, you can swipe your card more and more frequently, and you can still get more credit. Increasing your credit card limit, while paying off your bills on time and maintaining a good credit record is also a way to increase your credit limit.

4. Choose the repayment method that suits you best

In this information age, repayment methods are diversified. It is not necessary to go to a bank branch or a teller machine to transfer funds. Repayment. Credit card repayment methods include Alipay repayment, debit card binding automatic repayment, Lakala repayment, UnionPay online repayment, online banking transfer repayment, Tenpay repayment, etc. Therefore, choose the method that suits you and repay in the fastest and most convenient way!

5. If the capital turnover is not good, or the repayment is delayed due to something, you can call customer service to apply for an extension of repayment

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If your funds are temporarily unable to be turned over, or your repayment is delayed due to something, don't worry, call the bank customer service immediately and apply for a one to three day extension of repayment. Generally, bank customer service will help you extend it!

6. What should you do if you are short of funds? Apply to change the billing date and extend the interest-free period

When applying to change the billing date, pay attention to calculating the bill. day time, enjoy the longest interest-free period to relieve the pressure of tight funds. However, this skill cannot be used every month, because the bank can only apply for changes once every six months.

7. Use credit card installment with caution

Credit card installment interest is very high. Even if it is interest-free, the installment fee is not cheap. Installment must be used with caution! Of course, under special circumstances, it is impossible to repay the credit card on schedule. Except for those who are in arrears.

8. Pay attention to various credit card consumption traps

We must always pay attention to guard against various credit card consumption traps, such as the Haoxiang loan limit provided by Bank of Communications, the financial intelligence fund provided by Guangfa, These are similar small credit loans with extremely high interest rates. If you are approached by a credit card salesperson, you will always refuse them.

9. Try not to use it to withdraw cash.

Credit cards cannot be used to withdraw cash. Unless you have an emergency, it is very urgent, otherwise I do not approve of withdrawing cash by credit card. You can't afford the handling fees and interest! Remember, credit cards are used for consumption, not for cash withdrawals!

10. Do not deposit money into the credit card

Depositing money into the credit card is called overpayment. Deposit money into the credit card. It is difficult to withdraw money. Generally, you need to pay a handling fee for withdrawing overpayment from a credit card. Therefore, do not deposit money into a credit card unless necessary.

11. Should a credit card have a password? Different people have different opinions.

Some people say that not having a password feels like running naked. So, should a credit card have a password? Different people have different opinions, and the wise have their own opinions.

Generally speaking, it is safer to use a credit card without a password, but the key is to see if the bank provides you with protection against card loss?

According to Chinese consumption habits, it is better to use a card that combines signature and password. Well, pay attention to develop good credit card swiping habits in your daily life, protect your credit card information, and report the loss in time to avoid greater losses once you find it is lost.

12. Cleverly use the official WeChat account of the credit card for consumption reminders

Nowadays, for some credit cards, as long as you follow the official WeChat account of the credit card and bind the credit card account, you can make instant consumption reminders, such as Ping An Bank, China Merchants Bank, and China Guangfa provide free consumption reminders without spending a penny.