Sometimes I get a credit card because my friends are doing it at the same time, so I will get one by the way. For consumption only, three credit cards are suitable, so it is difficult to take care of too much. It seems unnecessary to classify three cards, but if there are many cards, it is necessary to classify them and try to make each card have different functions. Which credit card is the best to take with you when you go out to spend money?
Second, when there is more than one credit card, spread out the credit cards to earn enough credit card swipes.
Most credit cards have to be swiped a certain number of times to avoid the annual fee, so you have to swipe your card hard. If you hold a credit card, you will spend 1 10,000 to 20,000 a year, but if you don't reach the required number of times, you will be charged an annual fee of several hundred yuan, which is not cost-effective. If you want to use credit cards to manage your finances, you must have a good understanding of credit cards. Some cards are swiped, some cards need to be swiped, and some cards need to be swiped to a certain amount. In any case, financial management needs to accumulate a small amount of money, so that we can add up.
Third, protect the information security of credit cards.
In order to protect credit card information, some cardholders will make special documents to protect and store credit card information. For example, the credit card number is 16 digits, divided into four digits, which is clear at a glance. Indicate the issuing bank, card number, CVN, validity period, amount, etc. The card number is easy to copy, and the validity period and CVN are key words, which cannot be disclosed to others. With these numbers, when you pay online, you don't have to open the package at all, just open the receipt directly.
Of course, billing date and repayment date are two very important dates for credit cards, so we must keep them in mind. Users with multiple credit cards should try to disperse the billing date and repayment date of the credit cards, which is beneficial to repayment. Some banks can also customize settings online, but this time is limited, and they only have free access once or twice a year.
Fourth, credit card repayment should be made in advance to avoid being blacklisted.
Many people are used to delaying repayment until the last day of repayment, and think this method is wrong. Because if you forget it on the final repayment date, it will be blacklisted and will remain in the current credit information system for five years, which is equivalent to leaving a bad impression on the banking system.
Fifth, secure credit cards, beware of card being copied.
Safe card use is the key to "raise" a good credit card. Now that technology is getting better and better, copying bank cards is very simple. There are many things that credit cards are copied and stolen, and safe use is very important. Learn more about credit card security.
6. Communicate with bank customer service in time if you have any questions.
In the process of using the card, you should communicate with customer service in time when you encounter problems, and you should answer any questions. In some cases, customer service is the best resource. Of course, it is difficult for every bank to make a phone call, and it is necessary to choose the corresponding business slowly. But in some cases, calling is the fastest solution. For example, if I suddenly remember that today is the credit card repayment date, I must call the customer service to explain the situation, and I can postpone it for one day to avoid overdue records.
If you want to make good use of credit cards, you must raise them from all aspects, whether it is credit card consumption, credit card repayment or credit card security.