1, the billing date and repayment date should be kept in mind. The purpose of this is to avoid overdue, after all, overdue will not only affect credit, but also the cardholder will pay liquidated damages and interest, which will not only save money, but also subsidize.

2. swipe your card the day after the bill date. In this way, you can enjoy the longest interest-free period, but the regulations of each bank are different. Some of them have a long interest-free period on the day of the billing date, but just in case, it is recommended to spend it on the day after the billing date, with at least one interest-free period at most, which does not matter much.

3. Don't deposit money in the credit card or pay more. Credit card repayment must not be excessive, and money should not be deposited in credit cards as savings cards. This will easily lead to overpayment, and the extra money is likely to be charged.

4. Understand the settlement date of credit card fees. This mainly refers to the settlement time of the annual fee, especially the credit card that can reduce the annual fee by swiping the card, and it must be swiped enough times to deduct the fee. At present, Everbright, Minsheng, Transportation, Guangfa, CITIC and Ping An all count the number of swipes from the card activation date to the corresponding day of the following year. China Merchants Bank is subject to the date of issuance.

5. prepayment is taboo. Many novices will use credit cards to pay in installments once, but they want to repay in advance when they have money. This is a big no-no. You know, many banks have to settle the remaining unpaid fees at one time, so they can't save money.

6. Pay with someone else's credit card. If you go shopping with friends, if you can help them pay the bill with a credit card and then let them pay you in cash, you can not only accumulate consumption points, but also use the interest-free period of credit cards to invest money in other channels to earn interest.