After understanding these tips on using credit cards, you can also play with credit cards

How many credit cards do you have? Do you encounter any troubles when using them? Do you feel anything when using them? Have you enjoyed the benefits of bank credit cards? Has the credit card helped you enjoy the convenience of life during use? Based on my more than 10 years of experience in credit card marketing management in banks, I can tell you that mastering the following skills will benefit you throughout your life. If you don’t believe me, take a look at the following items.

1. You can modify the billing date of your credit card by yourself. Different banks have several opportunities every year to modify the initial billing date according to their own payday and settlement date. All it takes is a customer service call.

2. If the final payment date of a credit card is less than three days later, it will not be considered a breach of contract and no interest will be calculated. However, remember that the debt must be transferred directly to the credit card account. If automatic deduction is bundled, the payment date will generally exceed the payment date. No more automatic deductions, just real-time transfers across banks.

3. Bind automatic repayment to prepare for emergencies. You can bundle different bank cards. Even if you are used to WeChat, Alipay repayment or inter-bank transfer, please remember to bundle automatic repayment, and conditionally deposit about Repay the amount within one to three months, or deposit the amount due 1-3 days in advance to the bank card for automatic debit. Because too many friends have had the experience of late repayment or forgetting to repay due to business trips and other accidents, and if you have experienced it, you will know that some banks deduct the payment the day after the final repayment date, while some deduct the payment early on the repayment date. .

4. It is best to hold 2-3 credit cards from different banks. Generally, no more than five. Multiple credit card limits from the same bank are generally shared. If there are many credit cards, please prefer 2 to 3. 3. It is best to call the official customer service number to cancel the remaining cards. No matter how careful you are, having too many credit cards is too troublesome and unnecessary. I will not give more reasons because of experience.

How to use credit cards correctly are very important.

How to use credit cards correctly is a topic that cardholders always pay attention to. Some cardholders even though credit card offers are very rich and the benefits are very rich. There is no way to find the correct way to use it. Not only do you not enjoy the rights of the card, but it also brings you a lot of trouble. Next, let me tell you several "postures" for using credit cards correctly.

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2. Try to control your consumption, and try not to use credit cards to withdraw cash or invest money in credit cards, because the interest and handling fees for cash withdrawals with credit cards are very high. If you lose money on your investment, you will not be able to pay it back to the credit card. If you lose money, you will become a card slave;

3. The money in your credit card can be used in many ways, don't just use one item. Develop a good habit of swiping your card at ordinary times. No matter how much the amount is, you must swipe your card. However, it is best to swipe less or not at the capping machine. You can also make appropriate installments, which will help increase the limit;

4. Learn Pay attention to the bank's preferential activities, make full use of credit card discounts to save money, use credit card points to redeem gifts for low-priced movie tickets, affordable meal tickets, accumulate credit card points to redeem rights, etc.;

5. Do not use non- ++When withdrawing cash or settling accounts abroad with a credit card, you should also use the credit card's overseas consumption and domestic RMB repayment functions with caution, because not only will you be exposed to the risk of exchange rate changes and you will bear the losses of exchange rate changes, but the card issuer will also charge relevant foreign exchange conversion fees. etc., and some also charge various fees from foreign agency banks, which is very costly;

6. When it comes to how to use credit cards correctly, keeping your cards and personal identity information properly is undoubtedly the most important thing. important. It is recommended that cardholders should activate the SMS reminder service for credit card consumption to understand and verify their consumption information in a timely manner. Once an abnormality is discovered, measures such as freezing the card and reporting loss will be taken promptly. After reading these "postures", I believe that how to use credit cards correctly is no longer a problem for all card friends. Only by using the card carefully and maintaining the card carefully can the role of the credit card be brought into full play. As long as you always pay attention to the key points of using credit cards correctly, I believe you will become a master of credit cards.

Use credit cards to maintain credit cards and teach you how to use credit cards to become a card god in seconds

Many cardholders have added management difficulties to themselves because they have too many credit cards. They often reach the point where The repayment day will be hectic. In fact, when you hold multiple credit cards, you can try to use your credit card to support your credit card.

In this way, not only can the limit of each card be utilized to the maximum extent, but the cards can also promote the increase of the limit of each other. Today I’m going to teach you a few tips on how to use your credit card to support your credit card, and teach you how to use your credit card.

There are two main principles for using credit cards: first, let the bank feel that its funds are safe with you; second, let the bank make money from you.

Combining these two principles, you can refer to the following tips:

1. In the first three months after opening the card, accumulate credit and repay the loan in full and on time. Make the bank feel that your funds are safe and trust you;

2. Pay back the money diligently and when you have the money. The purpose of this is to increase the efficiency of ++++ and increase the utilization rate of funds. The more frequently you swipe and return cards, the more banks like it. You feel that your funds are safe and you can make money;

3 , the "Happy POS machine" that often swipes small amounts and carries points allows the bank to make money. Frequently paying small amounts is an important skill in using your credit card to maintain your credit card. The profit sharing of the POS machine is as follows: 7 from the card issuing bank, 2 from the depositing bank, and 1 from UnionPay. There is no cap for those with points, and you can’t make money for those without points;

You can also make two cash withdrawals a month, allowing the bank to earn some interest. Or make an installment every two months, and the number of installments should not be too long. Take advantage of every opportunity to swipe every day. No matter how big or small, you can pay electricity bills, water bills, and phone bills with credit cards. Don't underestimate these small credit card swiping records, which are very useful for card usage activity.

The above are the tips for using credit cards to support credit cards. I believe that by mastering these skills, you can enjoy the preferential rights of each credit card while maintaining a good credit score, and use your credit card to your advantage. The role of the game is brought into full play, turning from a novice to a "stuck god". Click on the credit card application channel to see which credit card is best for you.

How to use credit cards? Any tips?

Nowadays, although more and more people are applying for credit cards, in fact, many cardholders are still just getting started. At this time, the skills of using credit cards are very important. I will tell you about it below. How to use your credit card in the new year? Any tips?

How to use credit cards?

1. Bind your credit card to WeChat and check your bill limit at any time

You can use WeChat to bind your credit card as soon as you get it, mainly for safety and security. Because some small-amount bills that are paid quickly do not receive text message reminders, which can easily lead to adverse consequences of discrepancies between the account and the actual account, so link the credit card to WeChat, so that not only the bill and limit can be checked at any time, but also the discounts can be first Time knows.

2. All purchases made with credit cards must be recorded, and the whereabouts of the funds will not be confused

At first, I struggled for a long time on the issue of whether to apply for a credit card. I was afraid that the credit card bill would come but I would not be able to think about it. Find out how the money was spent, when it was spent, and what things were purchased. Later I thought about it, credit card is a double-edged sword. As long as you spend rationally, the advantages outweigh the disadvantages, so you decisively joined the ranks of credit card companies. However, rational consumption alone is not enough. After all, sometimes the merchant information for swiping the card is still different from the actual situation. In order to make the credit card work better for me, I came up with the method of swiping the card to record the accounts, just like using cash, I must record the accounts every time the card is swiped. In this way, after getting the statement, I can check it with my own account, and all the expenses can be seen at a glance.

3. Pay off the credit card debt one day in advance, so the bank saves me peace of mind

Unlike many credit card experts who are used to "paying off on the same day", my habit is to pay on the repayment day. Make the repayment the day before. After all, we cannot guarantee the arrival time. If there is any failure in the system and the repayment is not timely, late payment fees and interest will also be a lot of expenses. I don't want to take this kind of risk, so I always pay off my credit card debt one day in advance, so that the bank can worry less and I can feel at ease.

4. Calculate the points redemption account, and keep both consumption and financial management

In addition to enjoying the interest-free period of dozens of days when using a credit card, the biggest advantage is that points redemption and Consumption discounts. From this point of view, credit cards are still a great tool for saving money. I would like to remind everyone to remember to check the validity period of your points from time to time. If you exchange your points into physical items within the validity period, you can truly achieve both consumption and financial management.

5. Swiping a credit card means swiping credit, always remember not to relax

Since credit cards require consumption first and repayment later, some bold and careful credit card masters began to use credit cards in various Invest in a similar online loan website, and then repay with the expected annualized expected income after the investment matures. But don’t forget, you’re risking your credit and late payments. Therefore, when it comes to using credit cards to recharge online loans, the attitude is that if you are not familiar with it, don’t do it. Unless you are very financially strong and have other spare money as a strong backing for credit card repayments, don’t try it easily.

That’s it for the introduction of how to use credit cards.