1. Rule 1: Cherish your credit limit and never default on the bank's money, because it is not enough to default on the bank's money for even a minute. It is better to repay early and repay more than to default on the bank's money. A penny, if you are in arrears, your credit will be reduced, and your credit will be reduced, which will cause a lot of trouble.

2. Rule 2: When applying for a card, cardholders should not think that they want to apply for a high-limit credit card just because they have a car and a house. If they do not contribute to the bank, no matter how good the conditions are, the bank will not apply for it for the first time. For high-limit credit cards (except for special circumstances), the high limit will gradually increase based on credit and card usage.

3. Rule 3: Try to control your consumption. Try not to use credit cards to withdraw cash or use credit card money to invest, because the interest and handling fees for credit card withdrawals are very high. It is okay to make money by investing. If something goes wrong, how will the money in the credit card be paid back?

4. Rule 4: The money in the credit card can be used in many ways, don’t just use one item; develop a good habit of swiping the card, no matter how much the amount is, but it is best to swipe the cap machine less Or you can not brush it, but you can also make appropriate installments, which will help increase the limit.

5. Rule 5: Don’t trust salesmen or intermediaries who apply for high-value credit cards. This will put risks on the credit card and lead to information leakage and theft.

6. Rule 6: It is recommended that cardholders apply for a card early and maintain it early. Don’t think of applying for a credit card only when you have no money. In this case, the bank will generally not apply for you.

7. Rule 7: Apply when you encounter a suitable opportunity. Don’t be too picky about choosing a bank, because if you miss a reasonable opportunity, you may not meet the requirements when you want to apply.

8. Rule 8: For credit card repayments, cardholders must learn to use multiple repayment methods. If there is a problem with the commonly used repayment method, the cardholder can also try another one. The repayment method can avoid unnecessary credit problems.