1, when handling a credit card, be sure to ask about relevant matters, such as the charging standard. Nowadays, many credit cards are full every year, or they don't have to pay the annual fee when they are full, but some credit cards deduct the annual fee by points. In this case, you must ask how much it costs to accumulate one point. Don't be cheated by the bank.

2. Apply for a credit card on demand: If you blindly apply for a credit card and don't use it after opening an account, you will have to charge an annual fee if you don't use it several times, which is very loss. In fact, credit cards will not charge an annual fee if they don't open an account, but only if they open an account. This must be remembered. Therefore, when you apply for a credit card, you must consider whether you need this credit card. Don't apply if you don't need it.

3. After you get the card, brush the annual fee first: If your credit card is swiped six times, you can get rid of the annual fee. Great. After you get the card, you can pay with this credit card as long as there is consumer demand.

4. Enjoy the rights and interests reasonably: Some credit cards can't be exempted from the annual fee, but they will give some rights and interests, and make good use of these rights and interests.