Let’s write something more general about credit cards first.

Are you playing cards? If you really enter the card circle, you will find that it is a very complicated and interesting circle.

There are high-limit masters who have more than 100 card holders and are skilled in playing with various benefits; there are business travelers who are addicted to the mileage hotel method and can’t stop staying in five-star hotels; There are all kinds of dealers who resell, there are chicken farm owners who run big chickens with their left hands and right hands, and there are also ordinary cardholders who are working hard to increase their quota and advance to platinum.

The appearance of all living beings is also quite interesting.

However, when it comes to the use of credit cards, the average person is far from being a card user, let alone a card player. The vast majority of people are still at the level of cardholders.

Su Su thinks that when it comes to credit cards, people can be roughly divided into three types.

1. Cardholders

Most people who use credit cards may stay at this stage.

For example, Xiaoka’s mother insists on using a debit card instead of a credit card because she hates the feeling of owing money to others. For example, Xiaoka’s colleagues pay off their bills immediately on the bill day, lest they be delayed by even a second. Or you may be spending money lavishly, but it doesn’t matter if you miss the installment at the end of the month. Or you might be happy to redeem 799 points from China Merchants Bank for Starbucks and feel like you’ve made a lot of money.

In fact, they are not clear about most of the benefits and charging points of credit cards. Everyone who sees this, you can think about it for yourself. Do you really understand "billing date", "payment date", "minimum payment", "overdue", "bad debt", etc.?

2. Card users

Compared with cardholders, this group of card users have been able to use credit cards as a tool to have more cash flow or collect money. to more wool.

People in this category already have an understanding of credit cards. They have begun to become aware of credit card discounts, credit card points, and activities of various banks, and will be happy to collect some wool.

They began to pursue the use of credit cards to improve their quality of life. They would allocate credit cards according to actual needs and have a good understanding of the additional benefits of credit cards.

They began to really use credit cards as tools, taking advantage of the rights and interests of credit cards, taking advantage of the time difference it gives, and using credit cards as a lever for financial management and income generation.

Su Su needs to explain that it is not that difficult to go from card holder to card user. Many people will think that you must have very good financial conditions to have a large-denomination card and be a card god. But in fact, even if you only have one ordinary card, you must understand the card rights clearly, use it well on a daily basis, do not overdue, and transfer the funds If you use it for a long period of time, you will be an excellent cardholder!

I hope that everyone who has a credit card can at least become a card user. It does not require a lot of time investment, but it is enough to make surprising changes in your life.

3. Card players

Compared with card users, these people are considered to be at the top of the card circle. They often hold many cards and have good relationships with banks. has its own specialty in a certain aspect. I can be said to be proficient in how to play various types of cards, and I am also willing to study and share the usage of various types of cards.

To advance from a card user to a card player, it is inseparable from the love and expertise in playing cards, as well as the blessing of assets.

As a card user, Susu is still working hard to continuously increase her knowledge.

A small goal is to make more friends change from card holders to card users. After that, let us learn from the masters of card playing together ~ keep getting more knowledge !