1. First of all, you should master a method, that is, credit card repayment usually takes 2 days to 5 days, which means the longest time limit is 5 days, so you must choose the billing date when swiping the card, so that your repayment will last for more than 5 days.

2. Other people think that it is not in the short term, but they choose the minimum repayment amount, which is actually wrong, so they charge high interest, which is actually a bit of a loss. It is best to pay in one lump sum.

3. However, everyone should learn to raise a card with a card, that is, the money from one card is transferred to the card in arrears, so that even if there is no money on the repayment date, you can still pay it back.

4. Finally, I want to say, when using a credit card, don't default. Your poor credit record will seriously affect your future housing and car loan situation.

credit card repayment methods can be divided into three types: full repayment, installment repayment and minimum repayment. Both the minimum repayment and installment repayment will generate additional expenses, but the full repayment will not generate any expenses as long as it is repaid within the interest-free period, so it is best to choose full repayment for credit card repayment. Nowadays, there are more and more cardholders. It is simply "wrong" to regard bank cards as a tool for depositing and withdrawing money. In fact, from ordinary debit cards to credit cards that can "spend first and then repay", they all have their own characteristics. If used properly, they can not only enjoy a lot of convenience, but also help cardholders save money, realize the purpose of personal finance and fully enjoy the modern "card" life.

the first measure: identify the unionpay logo (both at home and abroad) for cross-bank transactions. Bank cards issued by different banks can be used for unified deposit and withdrawal or consumption on ATM machines and POS terminals with UnionPay logo. When customers withdraw money or swipe their cards, they don't have to look for the card they have in various bank card logos as before, but just look for the logo.

the second measure: remember 95516 and the customer service phone number of the issuing bank. In case of any problem that cannot be solved in the process of using the card, call the customer service telephone number 95516 of China UnionPay and the customer service telephone number of the issuing bank in time to reduce unnecessary losses.

trick 3: visit the websites of unionpay and the issuing bank frequently to get the latest preferential information. China UnionPay and the issuing bank have some preferential activities for cardholders from time to time, such as redemption of points, cumulative redemption of credit card consumption and other activities, and timely obtain relevant information through the website to bring benefits to their credit card consumption.

measure 4: debit card and credit card should be used flexibly for credit card consumption. Debit cards and credit cards are used together, and you can get lucky draw and points by participating in preferential activities such as credit card consumption.

the fifth measure: skillfully use the bank's free channel to inquire about the bank card balance.

measure 6: pay attention to unionpay network for overseas credit card swiping, and save 2% of the currency conversion fee. When outbound tourists spend money in foreign countries, Hong Kong and Macao, international card organizations have to charge part of the currency conversion fee, that is, the service fee. At present, when the cardholders of "UnionPay Standard Card" whose card number starts with "62" are in consumption abroad, UnionPay only carries out currency conversion according to the stipulated exchange rate, which costs 2% less.

measure 7: actively renew the unionpay standard card with the prefix "62" and enjoy the international standard service. Adopting the international standard BIN number starting with "62" of China UnionPay can not only be used in China, but also be settled in consumption abroad, allowing cardholders to go abroad smartly.

trick 8: pay attention to the unionpay sign of rural credit cooperatives, and you can also use cards across banks in remote areas. Through the China UnionPay exchange network, bank card withdrawals and inquiries can be made at the counters of rural credit cooperatives at or below the county level, making full use of the resources of rural credit cooperatives outlets all over rural towns to provide convenient, fast and high-quality bank card services for migrant workers.

measure 9: use unionpay network to repay the credit card in a timely manner, without interest charges. As long as you hold the bank card of the network access organization that has opened inter-bank repayment, you can perform self-service operation at the ATM with UnionPay network at any time, easily complete the inter-bank transfer of the bank card, and transfer the transaction funds from one bank card account to another bank card account instantly, which is convenient and fast.

1th trick: Pay attention to the preferential information of local UnionPay innovative business. It is convenient and affordable to pay by mobile phone and telephone.

for example, its billing date has three options, which can be changed once every month on the 5th, 15th, 25th and half a year. If your billing date is the 5th of every day, and your last month's bill was paid on January 5th, you could have had a 5-day interest-free period when you swiped your card on the 6th, but during the period from January 26th to February 4th, you can apply to change your billing date, and you can adjust your billing date to the 25th of every month, so your transaction on January 6th will not be billed until February 25th, and it will require you to repay it on March 15th. At this time, the installment of the transaction on January 6 will be delayed by one month until March 25, and then it will be recorded in the bill, so you will not be required to start repayment until April 15. In this way, the interest-free period of your transaction on January 6 will reach 1 days (April 15-January 6), which is equivalent to more than three months of short-term credit, and the cost is only the handling fee for one installment of the bill.