First, the application for credit card overdraft limit should be appropriate. It is generally recommended that the cardholder's credit card overdraft limit is limited to his two-month income. Cardholders who want to temporarily exceed the overdraft limit should apply with the bank in advance. Some banks will give them free care after approval, while some banks will charge a 5% handling fee for the amount that exceeds the limit.

second, credit card consumption should be based on swiping. Cash withdrawal by credit card should be cautious, and repayment should be made in time to avoid unnecessary losses. For overdraft withdrawal, the bank can not only calculate the interest at the daily interest rate of five ten thousandths, but also calculate the compound interest if the user fails to repay the loan for one month. In addition, there is no interest on credit card deposits, and you have to pay a handling fee if you take out the deposits.

third, the annual credit card fee cannot be ignored. Many banks have introduced the measure of "free annual fee" by swiping their cards several times a year. If the cardholder doesn't swipe his card enough times, he will be charged the annual fee, and if he doesn't repay in time, he will be charged the late fee, which will even affect his personal credit. In addition, even if some credit cards are not activated, they will be charged an annual fee after one year. The public should confirm the details of the annual fee with the customer service phone of the bank credit card issuing center when handling the card, and cancel the card with low utilization rate in time.

fourth, interest-free credit card installment payment does not mean free. Some credit card holders who use installment payment business may need to pay a handling fee after applying for installment payment from the bank. Therefore, the public must consult all kinds of fees before using them.

5. Pay attention to the clause of "full penalty interest" in the Credit Card Collection Contract. If the cardholder only pays back the whole number when repaying the credit card, there will be a lot of penalty interest due to the small amount of "a few cents", because most banks stipulate that in case of overdue payment, the penalty interest will be calculated according to the total overdraft amount.

VI. It is recommended to keep the transaction slip properly. Keep the credit card transaction slip properly, and at least keep it until the next month's statement arrives, and then destroy it after verification. The cardholder compares the transaction receipt with the statement in detail. If there is repeated deduction, he can contact the bank in time to solve it. In addition, some merchants also require the cardholder to provide the transaction receipt to return the money to the card.

Cardholders should establish a rational consumption concept and good financial habits, and use credit cards reasonably within their spending power to avoid excessive consumption. In addition, the problem of credit card repayment should be paid great attention to, so as not to affect the personal credit record and credit limit.