According to the experience of financial planners, the average person can use 2-3 credit cards. Kanu's credit cards are generally above 10, which is difficult to manage. Whether each card can be used is really debatable. It is suggested that card friends can match and keep appropriate cards according to their actual needs. For example, the owner keeps a car owner card (refueling car wash discount)+China Merchants Bank Card (merchant discount)+Bank of Communications Card (supermarket discount); People who love to travel can choose full currency card (overseas discount)+Everbright Travel Card (line discount)+CITIC Card (supermarket discount).
2. Pay attention to the protection of credit card information.
The three most critical information on the card face of a credit card: card number, expiration date and CVV code (that is, the last three digits in the signature column on the back of the credit card) affect your card security, especially CVV code, which is as important as password. It is recommended to cover CVV code with correction fluid or sticker, and some people are even worse. Just scrape off the CVV code with a blade, but you should also pay attention to it: remember those three digits.
3. Lost or stolen credit card?
Before you apply for a credit card, you must first understand the credit card risk terms of the bank. Don't apply for credit cards from some high-risk banks. These banks usually transfer the credit card risk to the cardholder, so that the cardholder can bear the' loss' after the credit card is lost and stolen. A good bank promises to bear the stolen loss within 48 hours before reporting the loss. Therefore, once the cardholder finds that the card is lost or stolen, he should immediately contact the bank to report the loss.
4. Make good use of the interest-free period and consume in time.
If you are not in a hurry to spend by credit card, you'd better enjoy the longest interest-free period Interest-free period: Simply put, credit card overdraft means how long it takes not to pay interest to the bank, but it should be noted that there is no interest-free period for the cash withdrawal part.
Different banks have different regulations. Generally, the longest interest-free period can reach 50-56 days.
5. Extend the interest-free period and make money by credit card.
During the interest-free period, the money used to repay the credit card can be invested in wealth management, such as investing in money funds or buying other funds with higher returns. 654.38+00,000 yuan to buy a money fund, and the 50-day income is probably 55 yuan. If it is other funds, the income may be higher.
The longer the interest-free period, the higher the income. You can get an interest-free period of 8 1 day by using JD.COM IOU or changing the accounting date.