信用卡的使用虽然带来许多便利，但是也有许多隐藏的误区，更有可能让你成为诈骗分子的目标！跟好这4个好习惯，一起学会如何善用这“双面刃”！
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LifestyleTranscript
00:00Do you have your own credit card?
00:01I believe that those who have just entered the society are curious and afraid of the use of credit cards.
00:05Indeed, some people are unable to pay their daily debts because they abuse their credit cards.
00:10Although this is the case, credit cards can play a key role in important moments.
00:13Here, Xiaobian will share four good habits of using credit cards, so that you can use this double-edged sword well.
00:181. Pay attention to your limit amount
00:20When using a credit card, the most important thing is to work hard, don't kill as much as you can.
00:25If you can't pay off your debts, and you can only pay off the lowest amount every month, your debt will continue to increase day by day.
00:31Here, it is best to control yourself to spend only 30% of the maximum amount, so that you won't have to pay off your credit card debts unknowingly.
00:372. Reduce your debt
00:38When you pay off your credit card debt, many people will choose to pay off the lowest amount because they want to save money.
00:42But in fact, this habit will not only slow down the process of paying off your credit card debt, but it is more likely to cause the interest on credit card debt to be too high, which has no effect on the actual debt.
00:50Therefore, it is still recommended that you carefully plan when you pay off your debt.
00:533. Pay off your debt on time
00:54Paying off your debt on time can prevent you from being charged extra interest and credit.
00:57In addition, paying off your debt on time may affect your credibility in the bank and cause difficulties in applying for loans in the future.
01:024. Regular check bills
01:04Regular check bills not only allow you to better plan your expenses, but also avoid the goal of becoming a fraudster.
01:10This habit can help you avoid greater losses as soon as suspicious consumers appear.