Credit cards have become more and more popular nowadays and are favored by many people because of their convenience and preferential policies. With the rapid development of the economy, people's financial management concepts are gradually increasing. In addition to traditional financial management methods such as bank deposits, bank financial products, funds or emerging Internet financial management such as p2p, did you know that credit cards can also be used What about financial management? So how to operate credit card financial management?

First of all, it should be noted that in order to stimulate consumption, many banks will jointly carry out promotional activities with some merchants. The credit card promotion activities of banks vary from month to month. The statement will be sent to the cardholder together with the statement. Knowing which merchants offer special offers with your credit card can save you a lot of money.

The way in which credit card points are accumulated is directly linked to the amount spent with the card. However, each bank has different regulations, so if you want to make it cost-effective to exchange points for items, you must first understand the points rules corresponding to the credit card you hold. It should be noted that not only the points rules for credit cards of different banks are different, but also the points rules for different types of credit cards of the same bank are also different. Some large-scale consumption such as real estate will not be included.

Almost all banks have cooperated with major airlines to convert credit card purchases into air miles. You can use Air China miles to convert all bank points into Air China miles. Once you accumulate a certain number of points, you can redeem them for Air China tickets.

Nowadays, the interest-free period is relatively long, so many people can take advantage of this to make a small fortune. Once the cardholder cashes out, he will receive cash during the "interest-free period" while avoiding the bank's high cash withdrawal fees, which is equivalent to obtaining an interest-free loan, which is extremely tempting. You can use your credit card to help cash out when relatives and friends need cash. After others pay back the money, you can use the cash yourself before the credit card repayment date, and the points earned from the cash out also belong to you. Credit cards can also be used to purchase monetary funds, but investment is risky, so be cautious.

Just like the saying "don't put all your eggs in one basket" when it comes to financial management, credit card financial management can go hand in hand with a variety of methods, so as to achieve significant financial management results.