Credit cards are good, which can solve many problems and bring us a lot of convenience. But it is also a double-edged sword, and it will also bring you a lot of trouble if it is not used well. A novice credit card user like that, if he doesn't pay attention to these major issues, he may fall into a pit if he is not careful, and he is still confused. 1. Define the charging standard for using the card. For example, the annual fee, some banks make it clear that the card is free of annual fee, but the annual fee must be deducted in the month when the card is opened and returned on the basis of meeting certain credit card conditions. If you don't understand this rule and forget to repay, you may be overdue and leave a credit stain. For example, to withdraw cash, not only do you have to charge a handling fee, but you also have to collect five ten thousandths of interest every day from the date of withdrawal until the cardholder pays off all the principal and interest. There are also SMS notification fees, etc. Only by knowing the charging standards of credit cards clearly can we achieve "clearly using cards and clearly charging".

2, reasonable consumption, don't use the card impulsively. Her financial management thinks that you need to use the card in a planned way according to your consumption habits, so don't spend impulsively. It will bring you a moment of refreshment and you will feel distressed when you return the credit card. Usually, credit cards have an interest-free period of 2-56 days. Her financial management hopes that you can make good use of this time.

3. Be wary of the first-year preferential activities of credit cards. Usually, the first-year preferential activities of banks are short, and the activity time will pass if you are not careful. Moreover, you need to meet certain conditions before you can participate in/receive the prize, such as swiping 6 cards, each of which costs 188 yuan, and you need to spend points offline. Therefore, it is suggested that card friends should not be confused by temporary offers. Credit card use is a long-term process, and long-term interests should be given priority.

4. Pay attention to card safety, and pay attention to card safety in case of fire, theft and link prevention. When swiping a card, don't let the card leave your sight, don't click on an unknown link casually, and don't easily reveal the three security codes behind it. This security code is extremely important to prevent credit card theft. Cover the three-digit security code at the signature on the back with a sticker. For 4 calls/text messages or other ways to send the notice of withdrawal, it should be handled after careful verification, and it should not be handled rashly regardless of authenticity. If you find a stolen card, call the police immediately, notify the bank to freeze the card immediately, and call the communication company immediately to inquire about the situation. All communication processes must be recorded in a quiet space for evidence, and then check your credit report to see if there are other incidents of card being handled or stolen.