How to use credit cards wisely? There are mainly the following ways:

1. Take advantage of the "interest-free repayment period". Under the current interest rate level, the interest-free repayment function of credit cards can be described as a good financial management tool. For example, the Peony Card of the Industrial and Commercial Bank of China stipulates an interest-free repayment period of 25 to 56 days. After consumers overdraft consumption, as long as they repay in full within the specified period, it is equivalent to borrowing bank funds in vain and saving interest. In a sense, it is an income.

2. Use cards skillfully for "installment payment". Although the central bank has adjusted loan interest rates many times, the credit card installment fee has not been adjusted and remains at around 7.2% per year. Half a year, that is, the handling fee for six installments is only 3.6%. This is not only of great value to those young people in the growing stage who spend tomorrow's money to do today's things, but also is a financial management tip for many consumers in a consumer environment where CPI continues to rise.

3. Swipe your card when you can. In order to encourage cardholders to swipe their cards for consumption, some card-issuing banks have stipulated that as long as consumers swipe their cards for a certain number of purchases, the annual credit card fee will be waived. Some banks have also launched a campaign to exchange consumption points for gifts. Paying with a card eliminates the trouble of carrying cash, and it’s such a good thing, why not?

4. Use the "inter-bank repayment" card. Many credit card users complain that cross-bank repayments are not only time-consuming, but also laborious. Repaying through bank counters or ATM machines requires you to face the tediousness of cash withdrawals and the anxiety of waiting in line; repaying through online bank transfers, due to the different openness of online banking platforms of various banks, and high inter-bank transaction fees, etc. It also brings some inconvenience to users in repayment. Then you can try the one-stop credit card inter-bank repayment service recently launched by Kuaiqian.com. Users can complete all inter-bank credit card repayments through an online banking debit card of any bank without paying inter-bank transfer fees.

5. Dual cards can be used interchangeably to solve emergencies. Cardholders may sometimes encounter such a situation: Seeing that the credit card overdraft repayment period has expired, they do not have enough funds on hand to make up for it. what to do? At this time, if you still have a credit card from another bank, you might as well use this credit card from another bank to temporarily overdraw funds to meet your urgent needs. Of course, such methods should be used with caution and only occasionally when necessary. Otherwise, you may fall into a vicious cycle and endanger your own credit.

6. "Automatic repayment" eliminates worries. If the consumer has his salary paid by a bank, and the monthly salary payment time is relatively fixed, then he can apply for a credit card at the same bank, or agree on an account with the bank for automatic repayment. In this way, the system will withdraw money from the agreed account every month. Automatic transfer of repayments, no need to worry about overdue penalties, no worries at all.

Of course, everything has a good side and a bad side. While consumers can fully enjoy the convenience of credit cards, they must also be careful not to abuse them and become "card slaves", in which case the gains outweigh the losses. In addition, in order to further improve the security of using credit cards, consumers should try their best to choose credit cards with high brand awareness and wide customer coverage, and pay attention to keeping personal information to prevent leaks. In short, cardholders should learn more and master some detailed security precautions when using credit cards.