What are the good habits when using credit cards? When we use credit cards, it seems that we use them irregularly, but in fact there are rules when using credit cards. I think using credit cards You can try to maintain good card-using habits and abandon bad card-using habits.

01. Repay in time, try to repay two days before the final repayment period; the most important thing when using a credit card is not to overdue and repay in time. To achieve timely repayment, it is best not to delay the payment until the last day to avoid unforeseen circumstances. First of all, you don’t know if your final repayment period will fall on the weekend. It would be unfair if the repayment is overdue because the account cannot be paid in time on the weekend.

Secondly, if the repayment time is stuck on the day of the final repayment period, and you are delayed due to other things or you are unable to repay in time due to financial constraints due to temporary emergencies, or in the If you happen to forget the final repayment date, etc., your repayment may fail and become overdue. Therefore, it is best to try to repay the loan two days before the final repayment period, so that you can not only make full use of the interest-free period of the credit card to obtain an interest-free loan, but also make timely repayment calmly.

02. Follow the official WeChat account of the credit card; there must be reminders for credit card consumption. If there is an official WeChat account of the credit card when using your credit card, be sure to follow the official WeChat account of the credit card, because generally the official WeChat account of the credit card will A reminder will be given seconds after you make a purchase. No matter how much the amount is, the official WeChat account of the credit card will remind you whether it is a large amount or a small amount. This is very important, so that we can receive credit card transaction reminders every time we make a transaction, which is better than credit card apps and text message reminders.

In addition, by binding the official WeChat official account of the credit card, we can also get a lot of promotions for the credit card, and we can also use the discounts to get a handful of wool; if the official WeChat official account of the credit card does not remind you when making a purchase , you should always open the credit card app, so that the app will pop up the corresponding consumption reminder when making a purchase. After all, you don’t even know if your credit card has been used or not, so how can you know that your credit card has been stolen?

To understand the consumption situation, in addition to the official WeChat public account and app, you can also activate SMS notifications. However, currently, many credit card SMS reminders no longer provide real-time reminders for each purchase. Some bank credit cards will remind you of fund transactions of more than 300 yuan, while funds below 300 yuan will be ignored; so I usually use the official WeChat official account: first, to understand my credit card consumption at any time; second, when I encounter a credit card When fraud occurs, reporting the loss of your credit card promptly can reduce losses. Third, we will be reminded to repay, so that repayment will be more punctual. The fourth is to understand credit card preferential information, which will help us to pluck wool and become a little expert in plucking wool.

03. Open the online payment limit function for cards that are not commonly used or high-limit cards; the credit card online payment limit refers to the bank’s limit on the maximum payment amount and the maximum daily expenditure amount during online shopping transactions. Different banks Credit card online payment limits are also different, but most of them can meet the daily online shopping needs of cardholders. If you don't use the card frequently, and your limit is very considerable, if the high limit is stolen, if you don't open the credit card If there is an online payment limit, then you just don’t steal. If you steal, it will be shocking. Because the limit is high, the loss will be heavy;

So you can consider the amount you need every day, and take into account what you may bear. Risk, set an acceptable number. You can set the limit lower, and then change the limit to the amount you need before making high purchases. The limit function will take effect immediately, and you can change it back after you have finished spending. You can set the online payment limit function in the credit card app!