What is the most cost-effective way to use three credit cards?

1. Brush wherever there are discounts. Many banks have discount activities on points day, such as the most popular Friday of Bank of Communications credit card, 5% discount on Friday of Guangfa, and 5% discount on Ping An, etc. It is much more economical to follow the discount than to brush it arbitrarily without a plan.

2. The interest-free period can be delayed, which takes advantage of the bank. For example, if the billing date of the first card is the 1th of each month and the repayment date is the 5th of the following month, you can choose to spend it after the billing date. If you spend it on the 2nd, you can enjoy an interest-free period of up to 5 days.

3. Separate the functions of the three cards. A card with a small amount is used as daily consumption, and a card with a large amount is used to buy large items. If the functions of the three cards are not clearly separated, remember the virtuous circle when swiping, stagger the billing date, and make full use of each credit card, so as to rob Peter to pay Paul.

Finally, I would like to remind you that you can swipe your debit card at will, and credit cards should be restrained, and the overdrawn money will be paid back sooner or later. For the pickpocket party, the best way is not to use credit cards.