1. Reasonably plan the loan demand: reasonably use the credit line for consumption or investment according to the actual needs to ensure that the loan behavior conforms to the personal financial planning and repayment ability.

2. Use of credit card: You can use credit card to pay for consumption. Pay attention to control the use of credit card limit and avoid exceeding the limit of total credit line. Pay credit card bills in time to avoid high interest and late fees.

3. Loan repayment: If there is a loan demand, you can use the personal total credit line to make a loan, and you should repay it on time according to the repayment plan to ensure that the credit line limit is not exceeded.