I personally think this problem can be summarized as the poor are becoming more and more interested in saving money, while the rich are becoming more and more interested in taking out loans.

If we carefully observe the people around us, we will find that many bosses owe millions or tens of millions to the bank. They talk and laugh every day and live a very happy life.

You will find that if people around you can make money every day and save it, they will have a sad face and think about making more money and saving it every day. Life is basically packed together.

First of all, sometimes I have to mention one thing, and that is the difference in thinking. When my college classmate and I graduated together, I felt that our lives were different. He is particularly honest and honest. No matter what you do, you have to save enough money before doing it. I am different. I like to use leverage.

Take buying a house as an example. In 2013, house prices in Wuxi were not particularly high. At that time, we almost only had tens of thousands of yuan on hand. I remember clearly that the down payment at that time was more than 200,000 yuan. At that time, I tried every means to knock on my own stick, increase the strength of my own stick, and then bought a house. Only today did I realize how smart my decision was.

My friend himself. After saving the money, he ended up in his hometown because his parents asked for the house at home. Although his parents are very happy now, he still cannot afford to buy a house in Wuxi because the price of houses in Wuxi is increasing more and more, and the down payment is basically It's more than 700,000 yuan.

In the same way, the core issue why rich people use credit cards is that credit cards can give rich people more discounts.

To give a typical example, credit cards have half-off discounts on Wednesdays and Fridays. Whether it's eating, singing or dancing, daily consumption is very cost-effective. Maybe 100 bucks. You can have a delicious meal, but you must know that a meal costing 200 yuan will definitely be of higher quality than a restaurant costing 100 yuan.

The reason why the poor are poor is because their vision and thinking cannot be opened. The reason why the rich are negative is because they can understand the best and most eye-catching information, make the most accurate judgments, follow the trend of the times, and always have meat to eat.

Similarly, if you eat at a restaurant that costs 200 yuan, a poor person may think of it as a luxurious meal, but for a rich person, I can have a casual meal with a half-price discount. This is the mentality. Differences and changes in thinking are different, so rich people apply for credit cards more to cater to their own lives.

To make life better, of course, it does not rule out that many people use it as a routine to eat the same thing. A poor person may consider a 200 yuan restaurant to have a luxurious meal, but for a rich person, I can have a casual meal with a half-price discount. This is the difference in mentality and change in thinking, so the rich Applying for a credit card is more about catering to your own life and making your life better. Of course, it does not rule out that many people use it to cash out.

It’s convenient for turnover. When doing business, you often need money. When the cash flow is cut off, you can’t always borrow money from friends. Rich people like to save face, and credit cards, with one This illegal operation is called "cash out" and requires the use of a POS machine. The savings card bound to the POS machine is his own, and he will lose a small amount of handling fees. It’s much more cost-effective than a debt of gratitude.

I think this reason accounts for 90%

Many people think that only poor people use credit cards, and rich people do not use credit cards at all. In fact, this statement is wrong, and it is completely wrong! Rich people don’t think so. The richer they are, the more they like to use credit cards. Otherwise, why would banks issue so many diamond cards and unlimited cards for who to use? There are examples of this: A few years ago, Wang Sicong posted on Weibo that he dropped a wallet while flying, which contained black cards from more than N banks. If anyone finds it, please contact his assistant; last year, Dad Ma When spending money in bars in Chongqing, you pay with a credit card. Both of these things can be found online. They are both considered wealthy people in China and even in the world.

However, the most important thing for rich people is money. Why do they still like to use credit cards? In fact, the reason why rich people like to use credit cards is that on the one hand it ensures the circulation of funds, and on the other hand they can use credit cards as personal assistants and enjoy various free VIP privileges and benefits.

Rich people like to use credit cards for the following points:

1. Use credit cards to accumulate personal credit

Credit cards can help you quickly accumulate personal credit. The application and use can be shown in the personal credit report. And compared with loans, credit cards are easier to apply for, have a higher chance of daily use, a wider range of uses, and a higher rate of reuse. As long as you swipe your card every month and repay your bills on time every month, you can quickly accumulate an excellent personal credit record.

Don’t underestimate the importance of credit record. It will be used for loans, credit cards, etc. If your personal credit is bad, the bank will probably turn you away. Many people in life cannot get loans because at this point.

2. Use the interest-free period of credit cards to revitalize the cash in hand

The consumption level of wealthy people is much higher than that of ordinary people. If you use credit cards to replace the money, invest the money in There are also a lot of returns on some short-term financial products. You may think that it is too troublesome to use a credit card for this amount of interest, but if this kind of consumption habit is formed and an adult uses this method for his whole life, do you know how much these benefits will be?

3. Enjoy more benefits of credit cards

Rich people generally have better qualifications, so the probability of applying for platinum cards, diamond cards and other large credit cards is very high. These large-value credit cards can also provide cardholders with higher-end rights and interests, such as airport VIP services, high-value insurance rights, preferential hotel booking and travel rights, priority medical treatment rights in hospitals, golf and other sports rights, etc. These rights may seem useless, but when they accumulate, they are terrifying. For example, Liu Yiqian used his credit card to purchase many antiques in the past few years. One of these antiques earned him 422 million credit card points. These miles can be exchanged for more than 45 million kilometers of air miles, enough for him to fly first class to and from London and New York 733 times; If you take economy class, you can make 2,200 round trips.

4. Large-value credit cards are a symbol of identity and status

Not everyone can apply for a credit card. A credit card is a reflection of your financial strength, social status, etc. . Moreover, card issuers will also issue different levels of credit cards based on the applicant's social status, economic strength, purchasing power, credit rating and other standards.

If you get a diamond card, your personal assets must be at least 7 figures. So, on the other hand, a credit card becomes a symbol of your identity and status.

Why rich people can become rich people actually depends on how they look at things and how ordinary people look at things. They can see more things than we can. , and more comprehensive, so they can become rich people, but we can't, it's that simple.

We usually use fixed assets to judge whether a person is rich. Since money is invested in fixed assets, this group of people do not have sufficient liquidity. You need to find a source of funds. Credit cards are a good source of funds. As long as you repay on time, there are no other fees except cash out costs.

First: the accumulated credit value of the credit card.

By constantly using cards rationally, accumulating personal credit, and accumulating credit, it will be easy to get a lot of funds from the bank for easy turnover. It is a very good financing channel for enterprises.

Second: Compared with loans and credit cards, they are more flexible to use.

Loans must be repaid on time when they are due, and the cash flow in your hands will become less and less. If you have a few credit cards, you can use them continuously, and the more you use them, the bigger they will be.

Third: Relatively speaking, the interest rate on bank money is relatively low.

Compared with borrowing, the interest rate for loans and credit cards is relatively low. It can generally be controlled at around 3-5%, and borrowing is generally 5 cents to 1 cent.

The more money you have, the more monthly credit you have.

There is often such a pattern in society. People work hard for a year and then save their money, but the boss tries every means to loan the money out of the bank and then hires people to work. The final result is that the boss goes to the bank and takes the people's money. The savings are loaned out to hire people to work and then sell things to the people. The people worked hard year after year, but they still managed to save money to buy things they made, such as houses. This is the same thinking as the more money you have, the more credit cards you get.

Think like a boss and spend other people’s money to do your own thing.

In fact, the reason why rich people like to use credit cards is that it ensures the circulation of funds on the one hand, and it is also a status symbol on the other hand, such as large credit cards, and they can also enjoy various benefits.

1. Nowadays, the whole country is connected to the Internet, and credit reporting is popular all over the world. Without credit reporting, it is difficult to move forward. People with credit cards can accumulate personal credit.

Credit cards can help you quickly accumulate personal credit. The application and use of credit cards can be shown in your personal credit report. And compared with loans, credit cards are easier to apply for, have a higher chance of daily use, a wider range of uses, and a higher rate of reuse. As long as you swipe your card every month and repay your bills on time every month, you can quickly accumulate an excellent personal credit record. That's why someone can always get a loan from a bank.

? 2. Use credit cards to revitalize cash flow

Bosses occasionally have cash flow shortages, and using credit cards can quickly and easily solve this problem within a period of time. At the same time, it is also very helpful in short-term financial management.

3. Credit card is an indirect or direct status symbol.

Large-deposit credit cards have privileges and benefits in many aspects, such as catering, travel, hotels, gas, air tickets, VIP, etc. They also have special rights and interests. At the same time, large-deposit credit cards also reflect a person’s financial strength. Moreover, card issuers will also issue different cards depending on people's status.

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The rich know how to use money as leverage. Using bank money to do things is equivalent to using future money to do present things, while poor people save current money. Get up and do what you want to do in the future. This is a gap in thinking and thinking and cognition.

You can use it but you can't live without it. Once you really need the money one day, you don't have to borrow it from others in a lowly manner. Just treat it as your own emergency fund. Of course, some people use the card to enjoy preferential consumption and benefits, while others use it to make more money through investment. All in all, credit cards are definitely worth it when used wisely!

Following your question, focus on this logic:

1. In today's credit society, accumulating personal credit is a kind of capital for individuals.

2. Understand the role of capital flow. Anyone who has studied finance should know that capital flow is an important condition for expansion.

3. Based on the above two points, accumulate capital, enlarge the capital flow, accumulate more, and expand it, the higher the natural income will be!