Spend from 14 to 27 every month, and swipe your card at 1; From 29th of each month to 2nd of the following month, credit card 2 will be spent 12. So each card can enjoy a longer interest-free period. However, remind all card friends that it is best not to spend money by credit card on the billing date, because the interest-free period at this time is the shortest and the most uneconomical.
If you have three credit cards, you can set the billing date to 1, 10 and 20. The way to swipe the card is the same as that of two cards. Just remember to use the credit card that has just passed the billing date first!
Finally, remind cardholders that it is best not to apply for so many credit cards, as long as they can meet daily use. The best number of cards is 2-3. Too many cards are not only easy to confuse the billing date, but also may forget to repay. Once the credit card is overdue, it will have an impact on the personal credit record, so it is best to apply for a card according to your actual situation.
Supplement: Credit card, also known as credit card, is a credit certificate issued by commercial banks or credit card companies 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.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standard for public services was formally implemented, and the English names of credit cards were specified.
Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day.
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.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
On May 25th, 2002/KLOC-0, the Supreme People's Court promulgated and implemented the Provisions of the Supreme People's Court on Several Issues Concerning the Trial of Civil Disputes over Bank Cards.