Generally speaking, when you receive a credit card, the bank will give you a credit card usage guide. Although different banks have some differences in specific provisions, the general principles are basically the same.

First of all, understand the credit card. It is a card with overdraft function, which is different from the savings function of a savings card. When using a credit card, we spend first and then repay. So credit card holders are required to remember the repayment date.

Secondly, you should know your credit limit when using a credit card, because there is an upper limit. Once the overdraft exceeds the limit of 10%, the bank will charge about 10% for the excess. Therefore, it is important to control personal consumption.

Finally, pay attention to your repayment date and billing date. Compared with the bill date, the repayment date is more important to credit card holders.