first, pay back the money on time.
Every credit card has a billing date, and CCB will pay back the due date 2 days after the billing date. As long as the landlord returns the "all payable amount" shown on the bill before the due repayment date, the credit card can enjoy interest-free treatment. For example, suppose the billing date of the landlord is the 2nd of each month, then the due repayment date is the 22nd of each month, and 1/2 of the bill is settled, that is, the credit card, cash withdrawal, expenses, interest, etc. of the landlord during the period of 12/3-1/2 are summarized into one bill, and it can be returned before 1/22.
Second, withdraw less cash
Credit cards can be overdrawn to withdraw cash, but there is no interest-free period. From the day the landlord withdraws cash, .5% of the cash amount will be charged every day until the landlord pays it back. There is also a cash withdrawal fee. The rate is .5% of the cash withdrawal amount, at least 2 yuan. For example, 1/3 of the landlord takes 2, yuan in cash, and 1/1 pays it back. The interest generated from it =2*.5%*8(1/3-1/1 is 8 days) =8 yuan, and the cash withdrawal fee = 2 * .
Third, pay attention to the annual fee
Every credit card has an annual fee, but most CCB cards can be exempted by swiping the card to a certain amount (unlimited amount). His family can get rid of three Puka and Gold Cards every year, and 1 Platinum Cards. For example, the annual fee for a car card is 2 yuan, but this card has good service, preferential car washing, free road rescue and oil change, and the annual fee is worth it. For the landlord, how to collect this card, you can make a customer service call to ask
Fourth, you can't lend it out
The credit card is your own, and you must never lend it out. If something goes wrong after borrowing it, it is the landlord's full responsibility and the bank. Also, there are a lot of cards used online now. At this time, you must pay attention not to tell others about your card information, such as card number, expiration date and security code on the back of the card. It is also possible for criminals to steal this card. Of course, the landlord need not be too nervous, just keep your own information.
Fifth, participate in activities
There are quite a lot of banking activities now, such as an event at Christmas, where department stores will refund 1 phone bills when they brush 213 yuan, which is very affordable. Therefore, the landlord can pay more attention to the announcement of activities on his home network, and the benefits are accumulated bit by bit. There are also points. Credit cards usually have points (some special ones, such as wholesale, * * * business, etc., are not available, but they are introduced on his home network, so the landlord can look at them). Points can be exchanged for gifts. I also changed my mobile phone bill a while ago, which is good.