How Smart People Use Credit Cards Smart credit card users: Use credit card for all payments Collect cashback & reward points, Pay full bill before due date, Build strong credit score, Get free flights & hotel stays , They don’t spend extra money —They just spend smarter.Credit Card Trick Most People Don’t Know If you purchase just after the billing date, you can get 45–50 days interest free time.
Example:
Billing date: 5 March
You buy on: 6 March
Payment due: 20 April
You get almost 45 days free loan
Banks never tell this trick.