This article will tell you about the methods and skills of using credit cards, as well as the knowledge points corresponding to how much you owe to credit cards and you will go to jail. I hope it will be helpful to you , don't forget to bookmark this site. A list of the contents of this article: 1. What are the tips for swiping credit cards? It is beneficial to increase the amount in the future. Protect credit card information Don’t think that there is only one password, card number, expiration date, 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. It is generally recommended to use stickers to cover the CVV code. Frequently log in to the website of the card issuing bank, whether it is a computer webpage, a mobile phone WeChat official website, or a text message reminder, and always pay attention to the latest discount information. Points redemption and other activities. Obtain relevant information through the website in a timely manner to bring benefits to your own card consumption. Grasp the best time to swipe the card. Everyone knows that credit cards can enjoy an interest-free period of 25~~56 days, and the difference between the longest and the shortest is one month. What's going on? The key point here is the card swiping time. Credit card usage methods and skills When using credit cards, pay attention to saving expenses and avoid excessive consumption and credit card abuse. The burden on credit cards can be reduced by rationally planning consumption plans, choosing credit cards with low interest rates, and repaying repayments in time. Pay attention to the billing date and repayment date: When using a credit card, you need to pay attention to the repayment date and billing date. Usually the repayment date is 20 or 25 days after the bill date, and the card is swiped on the day after the bill date, and the interest-free period is the longest. If you swipe your card on the day before the billing date, the interest-free period is the shortest. There are some tips for using credit cards. The main points you need to pay attention to are: don’t apply for too many, just choose 1 to 3 credit cards that suit you. For example, if you like to go on business trips or travel frequently, you can apply for a business travel card, which can be paired with an airline mileage point card and a commodity consumption discount card. Repayment must be timely. This is the most critical point. Only when you repay the loan in time, the bank will recognize that you have strong repayment ability and good reputation, and will continue to increase the amount for you. ② Try not to withdraw cash. The essence of a credit card is a consumer card, so you not only need to pay interest for cash withdrawals, but also charge cash withdrawal fees. Use a credit card if you can: When shopping, use a credit card whenever you can pay with it. This will not only increase the amount, but also waive the annual fee and earn points. The accumulated points can be used to participate in some preferential activities, some of which are very powerful. You can modify the statement date of the credit card by yourself. Different banks have several opportunities every year to modify the initial statement date according to their own payday and payment date. All it takes is a customer service call. Credit Card Usage and Skills Encyclopedia To avoid the abuse of credit cards, it is necessary to establish correct card usage concepts and consumption concepts of credit card usage methods and skills. First of all, it is necessary to strictly control the consumption amount and not exceed the actual financial scope of one's own credit card usage methods and skills. Secondly, make sure to repay the loan on time every month to avoid the situation of rolling interest. Repayment must be timely. This is the most critical point. Only when the repayment is timely, the bank will recognize that you have strong repayment ability and good reputation, and will continue to increase the credit card limit for you ②. Try not to withdraw cash. The essence of a credit card is a consumer card, so you not only need to pay interest for cash withdrawals, but also charge cash withdrawal fees. Try to repay the loan within the interest-free period. Bank credit cards have an interest-free period ranging from 25 to 56 days. If cardholders can learn to calculate the consumption date and repayment date, they can hold credit funds for the longest period. Don't deposit money into credit cards. There is no interest on deposits in credit card accounts. This is the end of the introduction about the methods and techniques of using credit cards and how much money owed to credit cards will lead to imprisonment. Did you find the information you need? If you want to know more about this, remember to bookmark and follow this site.