How to manage multiple credit cards with four tips to help you once and for all

Having more credit cards is certainly a good thing. Many cards can meet the consumption needs of cardholders, but here comes the problem , it is quite troublesome to manage too many cards, and if one fails, everything will go wrong. Here are some tips for managing your credit card, so that you can do it once and for all.

First of all, you must have a credit card. I have 4 credit cards in my hand. I thought it was very good at first, but later I found that various situations occurred because I didn’t know how to manage them, and I often changed the repayment date. Damn, is there any good way that I can solve this problem once and for all?

Replying to the question of how to manage multiple credit cards, there are of course some methods, such as setting reminders for repayment dates and downloading mobile banking from each bank. However, a simple method is to cancel unused credit cards. Get up and take a look.

1. Set the repayment date reminder

Many application software on mobile phones can set alarm reminders, such as 360 browser, Chinese perpetual calendar and other software support it, as long as you are in Set the monthly bill payment date above, and then remind you a few days in advance.

2. Download the mobile banking client

The advantage of downloading the mobile banking client is that you can automatically repay, and you can also check the credit card bill date, repayment amount, etc. at any time, which is very convenient .

3. Follow the credit card bank WeChat ID

This technique is actually similar to mobile banking. You can check bill date, quick repayment and other information on it, which is also very convenient.

4. Cancel infrequently used credit cards

If the credit card is not used frequently, annual fees will be charged. If it becomes a sleep card, it may also be reduced. It is recommended that you try your best to cancel it. It is best to cancel credit cards that are not commonly used. Under normal circumstances, three credit cards are enough to cope with various emergencies.

How to manage your own multiple credit cards (debit cards)

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Many business friends, due to business needs, not only apply for many credit cards (debit cards) themselves, but also mobilize their family members to apply for N number of credit cards (debit cards). It is used for daily capital turnover, but after applying for too many cards, it is easy to forget to repay on time, causing stains on yourself or your family's credit report, and also incurring extremely high costs, so for credit cards (credit cards) Card) is something I love and hate. I love it because I can get money at any time, but I hate it because I accidentally incur extremely high interest rates and liquidated damages.

When I first used a credit card (debit card), I also thought of countless ways to solve this problem, such as putting sticky notes on the back of the card to indicate the billing date and repayment date, but it still didn’t work. It's convenient, because you have to take out the cards and flip through them one by one every time, so that you can accurately know when to pay back which card. Later, I made a table on the computer and put all the cards I held into the table. When I had nothing to do at night, I would turn on the computer and sort it out. But sometimes it’s a bit troublesome because I don’t have a computer when I go out. Especially when I travel far away and don’t use the computer for several days, I am afraid that I will forget to repay the loan on time. Let’s get back to the topic and start today’s sharing. Of course, I only follow my own instructions. Share in the way you like. If you have different opinions, give priority to your own way.

1. Download a QQ mailbox on your mobile phone.

2. Change all credit card (debit card) statements to electronic statements.

3. Download a 51 Credit Card (Credit Card) Manager and import your email address into the 51 Credit Card (Credit Card) Manager.

Let’s share the managed interface for everyone to see. How much is all the balance to be repaid, when and which card needs to be repaid, and which card has the longest interest-free period. It will be clear at a glance. . Straighten it out, it's that simple.

What app should I use to manage too many credit cards

Use Kanniu APP: The company is headquartered in Shenzhen. The largest shareholder in the startup is Kingdee CEO Xu Shaochun. Team CEO Gu Feng also comes from Kingdee. Kingdee is in China The software industry has a high reputation, and the financial management software it creates has been selling well for many years.

Wacai Credit Card Manager: The company is headquartered in Hangzhou. The founder and CEO of the team, Li Zhiguo, has been in and out of Alibaba twice. He is one of the well-known angel investors in the Internet industry. "Wacai" is his first venture. Mobile Internet financial service projects.

51 Credit Card Manager: The company is headquartered in Hangzhou. Sun Haitao, the founder and CEO of the team, has built Internet projects such as E-city, Fangtu.com, and Renfangbao, and is one of the well-known investors in the Internet industry.

(Operating environment: Kanniu APP, Wacai Credit Card Manager APP, 51 Credit Card Manager, mobile phone: Xiaomi 10MIUI12.5)

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1. Card Niu: It has a password protection function. You can use a set pattern or enter a password to unlock it. However, KaNiu does not have a clear account system. All information is bound to the mobile phone number. Once the phone is lost, it will be difficult to retrieve the account. . Wacai Credit Card Manager: It has a password protection function and an independent account system. Users first need to register an account to use the management function. Even if the phone is lost, data can be easily retrieved as long as you remember the registered account. 51 Credit Card Manager: It has an independent account system. If you want to use the management function, you need to register first. In this way, even if your phone is lost, you can retrieve your account if you remember the registered information.

2. KaNiu: KaNiu's bill management function is relatively complex. There are many usage tags in the bill, including flow, classification, map and phone number. Through various tags, users can have a good understanding of monthly consumption, and can also query detailed consumption content through tags, which is very functional. Wacai Credit Card Manager: Wacai's bill management function not only allows you to see the credit card's repayment date, interest-free period, debt amount, minimum repayment amount, bill date and other information, it also supports one-click repayment function. However, Wacai provides relatively little billing information, and there is no automatic statistics and classification. 51 Credit Card Bill: The bill management function provided by 51 Credit Card Manager is also relatively complex. Users can not only quickly browse the bill and make one-click repayment, but also see some automatically counted consumption data. In addition, it also provides consumption chart analysis to facilitate users to compare consumption information more vividly.

That’s it for the introduction on how to manage too many credit cards.