After applying for a credit card, you cannot use it casually. You must use the credit card well, otherwise the credit card will only become a burden to you. Let’s take a look at the tips for using credit cards.

1. Protect credit card information

Don’t think that there is only one password, card number, validity period, and CVV code. These three key information will affect the security of the credit card, especially the CVV code. It is as important as the password, and it is generally recommended to use a sticker to cover the CVV code.

2. No annual fee

There is no annual fee for the credit card in the first year. In the following year, there is no annual fee if you use it 6 times. Even if you don’t use the card, you still have to pay it. Remember to use the annual fee-free number of times. And swiping your card frequently can also increase your credit card limit. The most important thing is to remember to repay it on time.

3. Multiple repayment methods

Now there is no need to queue up at the ATM to withdraw money, which is time-consuming and tiring. Now as long as you have third-party software, you can easily repay. The main methods include Alipay repayment, WeChat repayment, UnionPay repayment, online banking repayment, etc. Now, as long as you have third-party software, you can easily repay.

4. Do not deposit money into credit cards

Although debit cards and credit cards are both cards, the money deposited into the credit card is called "overpayment", which is deposited into the credit card. It is easy to withdraw but difficult to withdraw. Generally, you need to pay a handling fee to withdraw the overpayment from a credit card, so never deposit money into a credit card.