● Calculate the consumption time and strive for maximum benefit. The interest-free period of credit card consumption is a floating time. Take Jinsui Credit Card as an example, its shortest interest-free period is 25 days, and the longest interest-free period is 56 days. As an ordinary consumer, you can calculate the date of consumption and repayment, so that you can occupy credit funds for the longest period. The benefits of doing so are as follows: first, it can generate some interest. If you plan to spend 1, yuan to buy a TV, and the funds are already in place, then you can use Jinsui Credit Card to spend money on the 11th, and you will get the longest interest-free repayment period of 56 days according to the calculation that the next month of spending money with the card is 31 days. Assuming that you repay the money on the last day, your 1, yuan cash will have an extra 56 days of current deposit interest. Second, you can enjoy the fun of consumption in advance. ● Dual-currency accounts and primary and secondary cards are suitable for students studying abroad. Credit cards have dual accounts in RMB and USD, and RMB accounts are used for settlement in China and USD accounts are used for settlement abroad. If the USD account is overdrawn, you can deposit RMB into the card for internal purchase of foreign exchange repayment through the customer service center, thus saving currency conversion fees and procedures. At the same time, the credit card also has a main supplementary card, and the supplementary card * * * uses the credit limit of the main card account and makes settlement through the main card account. This function setting is more suitable for families with children studying abroad. Parents can apply for a master card and a subsidiary card for their children, so that parents can keep track of all the changes in the accounts of their children's foreign consumption or cash withdrawal at any time, and they can use RMB to repay the foreign currency arrears in their children's cards at any time in China through the function of purchasing foreign exchange for repayment, which is very convenient. ● Don't deposit money in a credit card account. There is no interest on deposits in a credit card account. At the same time, for withdrawal, even if there is cash deposited in your card, there is also a 1% handling fee, and there is no upper limit. So don't make a deposit in the credit card. ● As a convenient, fast and practical financial management method, credit cards with no interest rate increase are increasingly favored by working class. At present, China Industrial and Commercial Bank has 8.8 million credit card holders. With the increase in the number of customers owned by banks, many merchants are willing to offer discounts to bank cardholders, and they are very enthusiastic about promotional activities. Credit card holders can enjoy more discounts and discounts. For example, cardholders can buy some designated goods in installments without charging loan interest, and the installment payment period can reach three years (but most of them are one year). These goods are mainly digital products such as branded laptops, cameras and mobile phones, as well as overseas travel. It is very attractive to young people with low income who want to enjoy the avant-garde life. ● Credit cards are financial products that banks encourage customers to consume, and often provide more value-added preferential services than debit cards. For example, you will receive a high aviation accident insurance of 1 million or 3 million yuan, "very Sanya five-star free travel" and so on. In addition, most banks also have preferential plans such as exchanging points for prizes and accumulating air miles for air tickets, and 24-hour road rescue and travel reservation services are also very attractive. At present, two cardholders in China have used the bank's "dream good points for gifts" permanent points plan to exchange accumulated points for a car. ● 5, +N Clever Use of Credit Limit Banks will generally determine the overdraft limit of credit cards according to the application materials provided by themselves. The applicant's education, position, income and marital status can all be factors that affect the quota. For example, other things being equal, married people may have a higher quota than unmarried people.