10 Steps to use credit cards correctly:

1. The new card cannot be swiped at one time, and the category of consumer goods should be added. 2. Don't spend a few months on fixed merchants or preferential merchants. 3. Don't swipe your card on the same capping machine at the same time on a fixed date. 4. Don't trade outside normal hours. 5. Don't pay with Alipay in a short time. 6. You can't leave your credit card empty for a long time. 7. Your own credit card, don't brush your own POS machine. 8. Integer single transaction is not allowed. 9. The same card cannot be swiped on multiple terminals in a short time. 10. The card cannot always enter the wrong password.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.

Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

Why use a credit card? What skills do you need to use?

Hello everyone! I have worked in a bank for a long time and have many years of experience in using credit cards. Next, I want to share with you some knowledge and experience of using credit cards.

1. Why use a credit card?

1. Credit card is the only debt instrument with long interest-free period, which has high use value. This is not available in any other loan varieties. This means that for a period of time, we can spend the bank's money for free and do our own thing. When money is tight, you can also use a credit card to tide over the difficulties without paying interest.

2. You can accumulate personal credit. For "white letter users" who have no credit record in the Credit Information Center of the People's Bank of China, banks generally don't give credit easily. Even if credit is granted, the loan amount will be very low, and there will be no preferential loan interest rate. Young people who have just left the society can accumulate personal credit by using credit cards to repay on time, laying the foundation for applying for mortgage, car loan and low-interest credit loan in the future.

3. You can accumulate points and participate in preferential activities. With a credit card, you can accumulate points and redeem gifts or rights. In order to seize the market and protect customers, credit card centers of various banks have launched many preferential activities. Some activities are very strong. Activities such as 50% off food and watching movies for one yuan are very cost-effective and can save a lot of money.

Some credit cards are powerful and can facilitate daily life. For example, I set up an ETC credit card of Agricultural Bank of China a few years ago, and the bank gave away a small machine called OBU for free, which was installed on the front windshield of the car. You can take the ETC channel every time you get on or off the expressway, which is very convenient and saves a lot of queuing time. Compared with ordinary ETC cards, ETC credit cards don't need to be recharged in advance, just remember to repay after use.

As a modern financial tool, credit card can facilitate our life, if used properly. Next, I will tell you three tips.

Second, the use of skills

1. Make good use of interest-free repayment period. When spending a lot of money, swiping a credit card is especially cost-effective. Because during the interest-free period, we can deposit a large sum of money originally used for consumption in the bank to earn interest, or buy a short-term wealth management product. I suggest you get 2-3 credit cards. When you spend a lot of money, calculate which card has the longest interest-free repayment period, and then swipe which card.

2. Try to repay in full. There is a prerequisite for enjoying the interest-free repayment period, which is full repayment. If you can't repay in full on or before the due date, the loan interest rate of credit card is very high. Minimum loan repayment interest rate 18.25%, with compound interest calculated monthly. The loan interest rate of credit card installment is generally above 14%. If you really borrow money by credit card, the cost is very high.

I have used the card for many years and only made two credit card installments. Once the Credit Card Center of China Merchants Bank held an activity, and I could send a backpack in installments. I calculated the installment cost, which was very cost-effective, so I staged it. Another time, the task of our bank is that every employee must pay by credit card installment. I have no choice but to make a second installment.

3. Pay attention to your card psychology and the bank's marketing routine. Never take the credit card limit as your own money. Take myself as an example. I used to use the credit card of China Merchants Bank. After swiping the card, China Merchants Bank's WeChat notification will only tell me the transaction amount, not the remaining amount.

As long as the quota is not used up, you can brush it. How much is spent in a month and how much is left in the quota? There is no psychological concept. Accidentally took the credit card limit as his own money. Wait until the billing date, found that the bill is expensive, brush off a lot of money.

In my opinion, this is actually a marketing routine, which should be deliberately done by China Merchants Bank Credit Card Center, in order to let cardholders spend more credit cards. Adding available quotas to WeChat notifications is technically very simple. For example, the WeChat notification of ABC's credit card has an "available balance".

In order to control expenses, last year, I untied all the credit cards tied to WeChat and Alipay, and used the debit card money to make small daily expenses. After each consumption, the balance can be seen in the WeChat notification of the debit card. Seeing that the money on the card is getting less and less, I will save some money. A few months later, I found that I spent less money every month than before.

You can also observe your own psychological changes. If you are like me, I suggest that you use a debit card instead of daily sporadic expenses. When you spend a lot of money, you can enjoy discounts by using a credit card or swiping a credit card.

You should return your credit card after you swipe it. Don't treat the credit card limit as your own money.

Finally, I ask you a question. Do you think using a credit card will cost you more money than not using it?

I have used credit cards for several years, and now I have several credit cards with me, so now I will share some tips on using credit cards.

1. Make good use of the interest-free period of credit cards.

All credit cards have an interest-free period of 20+ days to 50+ days. If you swipe your credit card from the day you issue the bill, then we will have an interest-free period of more than 50 days. Basically, the longest interest-free period of each bank is similar.

I have three credit cards altogether. I adjusted the bills of three credit cards to 10, 20 and 30 respectively. When the 10 bill is issued, if I want to spend money in the next few days, I will use the 10 credit card immediately, and other credit cards will also use it, so that I can make the best use of my interest-free period.

2. Accumulate personal credit.

This is what I heard from my friend. Like most of us, we only use savings cards for daily deposits and have no other connection with banks. Then the bank doesn't have a good evaluation of our credit, which will easily lead to that when we need a loan to buy a car or a house, it will not be so smooth.

Credit card can be used in an emergency.

Credit cards can increase the limit as much as possible. This is a rule of thumb in case you need money badly. In this case, the credit card is a good emergency tool.

Before, a relative in my family was in urgent need of tens of thousands of dollars, and I didn't have that much cash at hand. Fortunately, I have a credit card, and several add up to 50,000 to 60,000. All three of them were maxed out, so I made a little money. When I paid back the money, the funds were enough.

There are many discounts on credit cards.

This is more convenient for friends who like to eat out and travel. There are many coupons on it, which can also save some money.

I have a classmate who always likes to eat out. He has a credit card. Sometimes coupons can only be used by one person, which happens to be mine. He asked me to exchange coupons for him many times, which saved him a lot of money every time.

5. Withdraw money from cash when using credit card to control consumption.

Because there is a credit card limit, and the credit card limit is still relatively large, it is easy to spend without restraint. Here, I'll introduce you to a good method.

Prepare one first, that is, a temporary account, such as Alipay's balance treasure or WeChat's change pass. Whenever we spend a sum of money from the credit card, we will transfer the money from the savings card or WeChat to this temporary account, so that we can clearly know how much money we have spent and it will not be so easy to overspend.

The above is my experience in using credit cards, and I hope I can help you.

I have used my credit card for several years, and I haven't played any tricks. Tell me about my experience briefly.

Banks issue credit cards for consumption, so as long as they accept credit card payments, they all use credit cards, which can increase the credit limit, avoid annual fees and earn points.

I used to use my credit card for a period of time, and the bank informed me to withdraw the amount. I felt useless and gave up. As a result, I was in trouble when I wanted to mention it later. You applied several times in half a year to raise 20 thousand yuan. Don't miss the opportunity he gave you.

Credit card repayment is more convenient now, but you must set up an automatic repayment method in case you forget. I forgot to return it once, so I should contact customer service quickly to provide timely service, otherwise it will be in the credit record.

The interest-free period of credit cards is generally around 20-5 1 day, from the date of the last bill to the repayment date of the next month. For example, my bookkeeping date is the 2nd of each month, and the repayment date is the 22nd of each month. If I spend money at 65438+10.3, I will repay it on February 22. The interest-free period after the bill is the longest, so I usually recharge my gas card with a credit card before 10 every month.

If there is no money to repay the credit card on the repayment date, you can repay it by credit card. The premise is that your credit card limit is sufficient. For example, I have to repay 8000 yuan on the 22nd, but my salary has not been paid yet. If I don't want to borrow money, I will spend another 8,000 yuan on virtual shopping with my credit card before 22nd, and then pay it back. I'll pay this 8000 yuan back to my credit card and last month's bill. (For emergency use, don't brush the bill maliciously)

Credit card withdrawal fee is very high, generally 1%, which is not cost-effective. I didn't understand it at first. I took it once and remembered it. I will never use my credit card to withdraw cash again. Installments and the like, with high interest and handling fees, should be used as little as possible.

These are some basic experiences for your reference.

First, the definition of credit card.

Credit cards are credit certificates and vouchers issued by various commercial banks or companies that specialize in issuing credit cards to consumers who meet the credit requirements. Credit card holders can swipe their cards to shops with pos machines for shopping or consumption, or they can spend money in Internet shops. Finally, the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed amount, and interest-free for a certain period of time. Simply put, using a credit card is an overdraft consumption by borrowing cash in advance, which is also a kind of consumption. In the early years, it played a positive role in stimulating domestic demand and promoting economic growth.

Second, the positive factors of using credit cards.

Some customers can also use debit cards when they know that their income is enough for consumption. Why do they have to apply for a credit card and overdraw the credit card limit before they can spend? The first is the interest-free overdraft limit. Free interest-free cash advance, everyone thinks that interest-free transactions are like spending their own money. Generally, the interest-free date is calculated from the date of consumption until the date of repayment. If the repayment date stipulated by the bank is exceeded, interest will be charged. The longest interest-free day is 55 days and the shortest is 2 1 day. The second is the activities of banks and special merchants. In order to promote sales, many merchants cooperate with banks, and customers can discount or exchange points with credit cards. For example, many merchants will print the name of the designated bank credit card, and you can get the prescribed preferential policies with this credit card; The third is to accumulate credit. When many loan users apply for loans, banks will check their credit records. Users who have not had loans before, even if they have credit cards, are also an important credit reference standard. Making good use of credit cards will become a way to quickly approve loans.

Third, the use of credit cards skills.

First, timely repayment cannot affect credit. For example, when the bill comes at sunrise, customers can see the consumption details and total amount of the previous period at a glance. The repayment date must be remembered, and the overdraft amount must be paid off on or before the repayment date at the latest. Now the bank has stipulated the minimum repayment amount, and paying the minimum repayment amount will not affect the credit history.

Second, the biggest skill in using credit cards is how to make the interest-free period the longest. Customers who use credit cards generally want the interest-free period to be as long as possible. How can we maximize it? The longest interest-free period is the consumption on the day or the next day of the billing date, such as the personal use of ABC QQ credit card. The bill date is the 7th of every month, so you must confirm the bill before spending. You can check SMS, WeChat, email and regular mail. Once you come out, you can spend it on the same day. I'm not sure whether it's safer to come out or wait until the next day. In this case, the bill for this period will not come out until the 7th of next month, and the repayment date will be 1 of next month. For example, after the billing date of 65438+February 7th came out, the consumer continued to consume, and the bill was paid on February 7th, and the repayment date was February 1, for 55 days (65438+February 24th, interest-free, 65438+1October 3rd1day, for 55 days).

Third, credit cards can apply for deferred repayment when they are short of funds. The repayment date is coming, but you don't have enough money on hand, so you can apply to the bank for deferred repayment. The grace period for ordinary banks is 1-3 days. After calling the bank to explain the situation, it is not overdue and will not be recorded for credit.

Credit card is like a double-edged sword. If you can make good use of it, it will be of great benefit to your life financial management. If you don't use it well, you will fall into the pit you dug. Credit cards have the following functions:

1. Consume in advance and repay in installments. Suddenly my mobile phone broke down, and I wanted to spend 6000 yuan to buy a new mobile phone, but I didn't get the money. You can buy it by credit card first. When the salary is paid, it will be paid off in one lump sum or in installments.

2. Something unexpected happened and suddenly a sum of money was badly needed. If your family or yourself is ill, you need a sum of money urgently. You don't need to borrow relatives and friends. Credit cards are a timely help.

3. Overseas travel, overseas card swiping Almost all countries in the world can swipe their cards to avoid finding a place to exchange local currency.

4. Use 40-56 days of interest-free consumption funds for financial management. If you buy 654.38+million large consumer goods, there are 654.38+million cash and 654.38+million credit cards. You can swipe your credit card and deposit 65438+ 10,000 yuan in the bank for financial management. The annual interest rate is 3% for one month in 300 yuan.

5. Credit card shopping discounts include physical shopping malls and online shopping, all of which have different discounts.

6. Beware of excessive consumption. Irrational consumption leads to overdue credit cards. Many people can't afford their credit cards. Finally, they are heavily in debt, with daily interest of 1.5 million and annual interest of 18%.

Credit cards are issued by banks, not paper money transactions, which is convenient and fast. Every transaction is on the bill, which can be inquired at any time and has a certain interest-free period.

Introduction to credit card use skills

Tip 1: Look at the bill. If you can't read the bill, you don't know how much money you have deducted from the bank. Generally, banks provide two kinds of bills: electronic bills and mailing bills. Sometimes mailing bills in time may delay repayment, and for environmental protection, it is recommended to choose electronic bills.

Here are the terms of the bill you need to know-

Credit limit: the overdraft limit given to you by the bank.

Cash advance limit: the amount that the bank allows you to withdraw cash from the ATM. Generally, it will not exceed half of the credit line.

Current billing date: the billing date of consumption within one month after the last billing date.

Last repayment date of the current period: the deadline set by the bank to repay the bill amount of the current period. Overdue repayment, or repayment does not reach the minimum repayment amount, is regarded as breach of contract.

Minimum repayment amount: the minimum repayment amount of this order is generally about 10% of the total consumption.

Tip 2: Choose time to spend. Make good use of the interest-free period

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.

According to the time limit, the interest-free period can be divided into the longest and shortest. The interest-free period varies from bank to bank, generally 20 -50 days or 25-56 days. How to obtain the longest or shortest interest-free period can refer to the following figure:

Tip 3: Know how to calculate interest. If you can't pay off all the credit card debts before the final repayment date, you have to pay interest at the rate of five ten thousandths per day, and the base for calculating interest is all the outstanding parts of your day.

For example, the bookkeeping date is 10, and the final repayment date is 28th. If you spend 5000 yuan on 1 1, then this amount will be charged to the bill on 10 next month. If it is paid off before the 28th of next month, there will be no interest at all. However, if there is no full repayment, even if it is 4,999.99 yuan, the bank will calculate the interest at 5,000 yuan from 1 1 this month!

Tip 4: Learn to repay. Now we know how the interest is calculated. If your financial quotient is high enough, you should know that only two repayment strategies are cost-effective. The first one is to repay in full on the last repayment date, so that the banker's "dream" is dashed. Second, if it is really inconvenient to repay in full, the minimum repayment amount will be paid on the last repayment date.

If you can afford it, you'd better pay it back in full. If it cannot be repaid in full, it should also be repaid according to the minimum repayment amount before the final repayment date. This does not affect personal credit. It should be noted that if there is cash withdrawal in the current period, part of it should be repaid to offset the possible interest.

Skills of using credit cards

Skills of using credit cards

1. How many credit cards does a person need?

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.

Three key information on the face of a credit card: the expiration date and the CVV code (the last three digits of the signature column on the back of the credit card) affect your card security, especially the CVV code, which is as important as the password. It is suggested to cover the CVV code with correction fluid or sticker. Some people are even better. Just scrape off the CVV code with a blade, but you should also pay attention to this: 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.

What are the skills of using credit cards?

To use a credit card, you must first know how to enjoy the longest interest-free period. Generally, you can enjoy the longest interest-free period by swiping your card on the second day of the credit card billing date, which is the skill we need to master most when using credit cards. If the user doesn't know the billing date of the credit card, he can call the credit card customer service hotline to ask, so that the accurate date can be obtained.

When using a credit card, it should be repaid on time on the repayment date, and the cardholder does not need to pay extra fees. If users pay back on time for a long time, they can also increase the credit card limit, which is also a very important credit card use skill.

Don't use installment repayment and minimum repayment amount for credit card repayment, which will make cardholders pay an extra fee. If you use installment repayment, you need to pay a handling fee according to the number of installments and use the minimum repayment amount. All consumption on the bill cannot enjoy the interest-free period, and interest is charged from the consumption date until the user pays off all debts.

Avoid withdrawing cash when using a credit card, and a certain handling fee will be charged for withdrawing cash, which is generally about 1% of the withdrawal amount. Interest is charged from the date of cash withdrawal, generally at a daily interest rate of 0.5 ‰ until the cardholder pays off all the cash withdrawal amount.

Don't cash a credit card when you use it. If users often use credit cards to cash out, if they are found by banks, the credit card limit may be reduced and the card may be blocked. Moreover, it is very uneconomical for users to pay a certain cost when cashing out, which should be noted.

The last thing to tell you is the annual fee. For most users, the annual fee can be reduced by the number of swipes, but different banks have different requirements for the number of swipes. You can call and ask. However, many high-end credit cards require high annual fees, and some can be redeemed through points. In a word, it is very important to save the annual fee.

What are the skills of using credit cards?

Once the credit card is repaid in installments, even if you change all the money in advance, the handling fee will still be charged. For example, you borrowed from the bank 10000, and applied for five repayments, with the repayment amount of 2050 yuan per installment and the monthly handling fee of 50 yuan. If you have paid off the debt for 2 months, you have to pay off all the remaining debts at the same time, but the handling fee is still 50×4=200, plus the handling fee for prepayment is 20! Of course, some banks may not accept it or they may accept it. When you want to divide the bill into installments at will, you need to ask about the amount and how to charge the handling fee, and whether to charge the handling fee for prepayment.

Credit cards do not have the function of savings cards, so the money deposited will not generate interest. For example, if you deposit 3000 yuan, but you withdraw 1 000 yuan, there will be a handling fee immediately, ranging from 1% to 2.5%, and from 10 yuan to 50 yuan. Remember not to deposit money in the credit card, because credit cards can't withdraw cash, so you can only do electronic transactions and swipe your card. And once the cash is withdrawn, interest will be calculated immediately on the same day. Interest is calculated at five ten thousandths!

Repay according to 10% of the repayment amount, and the interest will be calculated from the time you start spending. That is to say, you spent several sums of money this month, totaling 10000, but you only paid back 1000, so the interest is calculated immediately from the time you swipe your card, but the total amount is 1000.

Be careful when using the automatic repayment function of credit cards and debit cards. Because you want to make sure that the balance of your debit card is sufficient, and the banking system must operate normally, you can't rule out the possibility of operational errors in the banking system. For example, there is a situation in the news that someone's card is inexplicably more than a few hundred dollars. Everyone must keep an eye on it and see for themselves from time to time whether it has been returned.

The password of the credit card is combined with the signature to ensure security. Foreign signatures are ok, but even if you enter a password in China, the signature name may be stolen because credit cards are completely acceptable. Swiping a card can record all the information of the card, even the password you entered. So when you swipe your card, you must choose businesses and shopping malls with high credit.

Credit card points in exchange for gifts, perhaps flowers in the water. We are looking at the bank's online banking, and some exquisite gifts need corresponding credit card points. Sometimes for this gift, I always earn points by swiping my card, but I must look at the redemption conditions and the validity and time limit of the points, and don't draw water with a sieve.

Credit card use skills and credit card use skills Baidu experience introduction ends here. I wonder if you found the information you need from it?