First, take advantage of the interest-free period. This is the attractive part of credit cards. You can use the bank's money for nothing, and your own money can be deposited in the bank, Yu'e Bao and earn interest, or you can buy it with good short-term funds. Just pay it back on the final payment date. However, keep in mind that you must never make the minimum payment on your credit card. Because as long as everything is not settled, interest will be charged! If it is overdue, more liquidated damages will be charged.

Second, take advantage of credit card discounts. Nowadays, there are many types of cards, such as gas cards, Taobao cards, Carrefour cards, travel cards, airline cards, etc. Different co-branded cards have discounts for consumption, some have additional services, and some stores have labels indicating that using a certain card discount. If you want to save money but spend a lot, you can apply for a few more cards and swipe them when you go out. A discount here or a discount there will add up to a lot. This is equivalent to making more money in disguise.

Third, use points. Each card type and each bank may give different points for the same product in the same store, not to mention different products in different stores. Therefore, you should pay attention to swiping your card to get as many points as possible, and have high points. In this way, you can exchange things with points, such as boxes, towels, toothbrushes, computers, mobile phones, backpacks, etc., and the quality is good, so you can use it with confidence.

Fourth, use cards to do business. The business mentioned here is not about cashing out and investing. Instead, you can convert your points into money, go shopping on a certain store, and someone will collect them, just like driving license points. Or selling the exchanged items is also money.

Fifth, cash out. In this way, you must first have a quota to make money. For example, if you use a machine with an interest rate of 0.6%, you have a quota of 500,000, and it will cost 500,000 * 0.6% = 3000 to transfer it all. You put 500,000 on the financial management platform , the income is calculated at an annualized rate of 12%, and the income is 5,000 per month, which is 2,000 after subtracting your costs.

Of course, this is just an idea. In actual operation, you cannot clear the limit, you need to leave a part of the turnover, and the handling fee can be combined with 0.38 to reduce costs. In addition, the points you earn by crossing the card are also income. If you have a quota of 500,000, it is very easy to make 2,000 per month. First, you must have a quota of 500,000. (I don’t have one anyway!)

It’s not difficult to make money with credit cards. The key is how much. It must be noted that you can indeed make money if you play well with credit cards, but you must have restraint and never spend in advance when you have no ability to repay. Otherwise, once it becomes a habit, it will be difficult to go back and you will eventually be overwhelmed by credit card debt.