Never swipe your credit card like this.

Nowadays, many people can't live without credit cards. You need to brush it basically every day. Everyone casually has more than five credit cards, and some even more. Many people even fall into the situation of "raising cards with cards".

How to standardize the use of credit cards, create a good-looking credit report and avoid being blacklisted by banks in the future is very important. Today, I will tell you some skills of using credit cards.

First, the biggest taboo of swiping a card

1. Fast forward and fast out. Brush it back as soon as you put it in. It is recommended to brush again the next day after repayment, not once, but several times.

2. For a large credit card, it is absolutely not allowed to empty the credit line. It is recommended that the credit card should not exceed 50%.

Second, the credit card time

Credit cards should conform to daily consumption habits as much as possible. You can't spend a lot of money in the breakfast shop every day. Generally, you spend a little in the morning, a lot at noon, and a moderate amount for entertainment at night.

Besides, you usually start brushing after 9: 00 in the morning and stop brushing after 10 in the evening. Usually the shops are closed at this time.

Third, the credit card limit.

1. Don't brush an integer, such as1000,5000, 10000.

2. Don't use the same number, such as 9999, 8888, etc.

3. Don't brush the decimal point for large sums, such as 20000.5.

4. Don't brush straight numbers, such as 1234, 4567, etc.

Fourth, the number of credit cards.

A small number of transactions every month, no big transactions. If you swipe 1-2 twice a month, you will definitely enter the bank risk monitoring.

Five, repayment skills

If you repay immediately after the billing date, you will be judged as a quality customer by the bank and try to repay in advance. If the money is not enough, you need to go in and brush it back. Don't brush it immediately after returning it, and brush it the next day.

6. What if it is overdue?

If you accidentally expect it, call the bank customer service immediately to explain the situation. Generally banks will have a grace period of 2-3 days. As long as the repayment is made within the grace period, it is equivalent to paying off the current bill.

If it is overdue, you can also call the bank to explain the reasons and ask for help to reduce interest and late fees. If passed, the interest and late payment fee will be refunded in the next bill, but the regulations of different banks are different. You can call for details.

Below I have sorted out the grace periods of major banks for your reference.

1. ICBC: No grace period;

2. Agricultural Bank: the grace period is 2 natural days, and repayment is required before 2 1 on the last day;

3. Bank of China: The grace period is 2 natural days, including 9 natural days for Platinum Card.

4. China Construction Bank: the grace period is 3 natural days, and the repayment must be made before 7: 00 am on the last 1 day;

5. China Merchants Bank: the grace period is 3 natural days, and the repayment is required before 7: 00 am on the last 1 day;

6. Bank of Communications: the grace period is 3 natural days, and the repayment will be made before 18:00 on the third night;

7. Guangfa Bank: the grace period is 3 natural days, only once a year;

8. CITIC Bank: The grace period is 3 natural days;

9. Minsheng Bank: the grace period is 3 natural days;

10. Ping An Bank: the grace period is 3 natural days;

1 1. Postal Savings Bank: the grace period is 4 natural days, and the repayment will be made on the evening of the fourth day after the repayment date 17:00;

12. Shanghai Pudong Development Bank: The grace period is 3 natural days, and it will be received before 20:00 pm on the third day after the repayment date.

13. China everbright bank: the grace period is 3 natural days, and it will be received before 24:00 pm on the third day after the repayment date.

14. CITIC Bank: The grace period is 3 natural days, and it will be received before 20:00 pm on the third day after the repayment date;

15. Industrial Bank: the grace period is 3 natural days, and it will be received before 24:00 pm on the third day after the repayment date;

16. Huaxia bank: the grace period is 3 natural days, and the repayment will be made on the evening of the third day after the repayment date 19:00.

Note: The latest repayment time of different bank credit cards is different. No matter the repayment date or the repayment due within the grace period, the repayment must be made before the latest repayment time, otherwise the credit card will be overdue.