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How to use multiple credit cards cleverly

1. Use the above interval between the billing date and the repayment date, and if you have two to three credit cards, you can reasonably decompose the repayment pressure. For example, if you have three Card:

Card A’s bill date is the 10th, and the repayment date is the 30th;

Card B’s bill date is the 20th, and the repayment date is the 10th of the following month;

C card bill date is the 30th, and the repayment date is the 20th of the following month.

Then in January, if you swipe card C from the 1st to the 10th of the month, card A from the 11th to the 20th, and card B from the 21st to the 30th, you can effectively alleviate the shortage of cash.

2. Credit card settlement is based on the billing date and repayment date, not the first of the natural month, so customers have the opportunity to use a long interest-free period. The minimum period advertised by the bank is 20 This is how the interest-free period of up to 50 days is generated. For example, if there is a card with a bill date on the 5th and a repayment date on the 25th, then if you swipe the card on June 6, it will only be credited to the bill on July 5. Then repay the loan on July 25, which means you can use the bank loan interest-free for this consumption for ***50 days from June 6 to July 25;

3. The credit card is recorded There is generally a difference of 20 days between the account date and the repayment date (this period means that you are enjoying an interest-free loan from the bank). If the account is recorded on July 1st, it will generally be repaid on July 21st. This is the basis; < /p>

Extended information

Card opening

Since the card is sent by mail after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from fraud losses, the credit card has set up a card opening procedure before it is officially launched. The card opening process is mainly done by phone or online. The relevant personal information provided during the application is checked. Once the information is met, the card opening process is completed. At this point, the applicant becomes the card holder and can officially start using it after signing on the back of the card. After opening a credit card, you generally need to set up a password for the card.

After accepting a credit card, a credit card merchant or bank must review the validity of the credit card and the identity of the cardholder.

Identification

The credit card must contain at least the following information:

Front: name and logo of the issuing bank, credit card number (organization logo) and holographic anti-counterfeiting mark, Card number, English or Pinyin name, activation date (generally calculated to month), validity date (generally calculated to month), the latest issued card is equipped with a chip on the front, and the chip account and the card magnetic stripe account are two relatively independent accounts.

Back: Card magnetic stripe, cardholder signature field (must sign after activation), service hotline number, last four digits of the card number or the entire card number (to prevent fraudulent use), credit card security code (on the credit card On the signature line on the back, there are three digits immediately following the last four digits of the card number, which are used for credit card activation, password management, TV, telephone and online transactions, etc.).

Reference materials Baidu Encyclopedia Credit Card