The bank credit card has long become a key means of payment for the level of consumption, but the current policies of different financial institutions are not quite - the same, today to key to say a -: under the use of industrial and commercial credit card skills, in fact, the principle of other financial institutions is usually not bad.

The key to the application of bank credit cards is to enjoy interest-free recurring card payments repayment days, ICBC is now at least 23 days, more 56 days, the following will say a few how to increase interest-free installment repayment days of dry knowledge.

1. change the bill date repayment day can effectively increase the interest-free period, this limit is very large, but the frequency of change is limited, not at any time and anywhere to change, to calculate the date, or very inconvenient. The second is the first increase to change, then the second need to reduce the short, online banking can change, but call online customer service is generally not to change.

2 to do installments: to wait for the adjacent repayment date and then installments

If you do installment payment a few days before the repayment date, the next repayment date to gradually pay the first - period, so there is another month of interest-free period, but must pay the installment fee, but compared to the late payment of money counted loan interest can basically be ignored. Therefore, it is not necessary to do the installment payment as soon as the transaction is made, but to wait for the neighboring repayment date before making the installment payment.

3. Transaction on the day of the bill

This is relatively quasi-secret, the bill day transaction can directly enjoy the maximum interest-free period of financial institutions, no actual operating costs, easy to understand.

4. higher power secret: online shopping order return

Perhaps this very few people understand, is the online shopping order returns. The principle of bank credit card is only to have the incoming account is set to pay back by default, there are arrears can not pay back how to do? The all-powerful Taobao. The actual fact is that you will be able to get a lot more than just a few of the most popular and popular items. This is the default setting of the incoming account using the order return, is in accordance with the order of purchase and sale repayment arrears, so the first to repay the previous transaction, the order of the overdraft fully automatic count to the next repayment date, to the next repayment date again, so theoretically can endlessly increase the interest-free period.

Posted by: askedthefox at 09:04 AM | No Comments | Add Comment
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