How many credit cards do you have? Do you encounter any troubles when using them? Do you feel that you enjoy the benefits of bank credit cards during use? Have credit cards help 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 is not considered a breach of contract and no interest will be calculated. However, you must 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 not 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.