One: We know that credit cards have interest-free periods, which means you can spend in advance and pay back dozens of days later. During this period, the bank will waive interest. Consumers can generally enjoy an interest-free period of 50 to 60 days (different from bank to bank), which is equivalent to the bank lending consumers an interest-free loan of about 2 months. This is also the most attractive thing about credit cards. place.

Two: The annual fee charged by a credit card often makes cardholders feel that it is an excessive additional expense, so it seems that it is not cost-effective to apply for a credit card. However, in the current domestic credit card market, major banks have launched preferential policies that waive annual fees by swiping the card several times a year. In this way, the ownership and use of a credit card is basically free, which virtually saves you money.

Three: Make full use of value-added services

Bank credit card promotions are sent to cardholders along with their monthly statements. After receiving the statement, take a few minutes to read the relevant content carefully. You can also log on to the bank website of the credit card you hold to learn the details of the credit card promotions.

The above is what you should pay attention to when using a credit card