Credit cards are a good helper for modern people, but how do we use credit cards?

1. Consumption rationally and within your ability

With the development of modern finance, credit cards have also brought a lot of convenience to cardholders. But convenience does not mean indulgence. Everyone should try their best to consume within a reasonable range based on their actual income. It is recommended not to max out your card or make unplanned purchases.

2. Repay the loan on time and pay attention to credit

The most basic principle of using a credit card is to repay the loan on time. This is an issue related to the cardholder's personal credit. Without credit, it will be difficult to move forward in society. Therefore, do not exceed the deadline to avoid affecting your personal credit report.

3. Use the interest-free account wisely

A credit card has a payment date and a repayment date. Between this repayment date and the next repayment date, there are about 50 days interest-free period. Smart and capable friends try to concentrate their consumption after the payment date, especially large purchases, so that they can enjoy the interest-free period for the longest time.

On the contrary, try to avoid spending a few days before the payment is due, because the interest-free period that can be enjoyed is only 10 days, which is very uneconomical.