Think about it this way, I will consciously reduce unreasonable extra expenses, so in the process of using the card, even without a credit card, I can ensure that every penny I spend is spent.
In this way, the credit card keeps turning my Qian Qian into a turkey and giving birth to a baby, and it also helps me score points. Although the threshold of China Merchants Bank is too high, the threshold of Bank of Communications is too high, haha ~
In more than half a year, I successfully raised 2000 yuan, which may not be worth mentioning in the eyes of many credit card experts, but it is quite a sense of accomplishment for a credit card white like me.
I have two credit cards, one for Bank of Communications and the other for China Merchants Bank. As soon as I got my credit card, I used WeChat to bind it, mainly for safety and peace of mind. As you know, some small bills that are paid quickly are not prompted by SMS, so it is easy to cause adverse consequences. Therefore, it is best for students with credit cards to contact WeChat, so that not only bills and quotas can be inquired at any time, but even the latest preferential activities can be known at the first time.
At that time, I struggled for a long time to get a credit card. The reason why I am entangled is that I am afraid that the credit card bill will come, but I can't remember how the money was spent, when it was spent, and what I bought.
Later, I thought credit card was a double-edged sword. As long as rational consumption can do more harm than good, I decided to join the ranks of credit cards, but rational consumption alone is not enough. After all, sometimes the information of credit card merchants is different from the actual situation. In order to make credit cards serve me better, I thought of a way to charge by credit cards, just like cash. Every credit card should be charged, so that when I get the statement, I can see my account at a glance.
Unlike the "same-day repayment" that many credit card experts are used to, my habit is to repay the loan the day before the repayment date. After all, there is no guarantee of the arrival time. In case there is any fault in the banking system and the repayment is not timely, the late payment fee and interest alone are several times the consumption amount. I don't want to take this risk, so I always pay off my card debt one day in advance to reassure the bank.
In addition to the interest-free period of several days to dozens of days, the biggest advantage of using credit cards is the redemption of points and discounts on consumption. Although China Merchants Bank's points policy is flawed, 20 yuan 1 point, but it's better than nothing, right?
From this perspective, credit cards are still a sharp weapon to save money. In the future, we should always check the validity period of the points and convert them into real objects within the validity period, so as to truly pay equal attention to consumption and financial management.
Because credit cards are consumed first and then repaid, a group of bold and cautious credit card experts began to use credit cards to invest in various online loan websites, and then repay them with the proceeds after the investment expires.
Although this is a good way to make money, don't forget that you are taking risks on the premise of your own credit and overdue repayment. The interest-free period of my two credit cards is less than 20 days. I have heard of this form of making money by recharging online loans with credit cards before. Later, I went to the online loan platform to see that the investment period is generally around 7 days to 3 months, but 7 days is rare, and the most common one is around 1 month, so I have to consider overdue.
Therefore, on the issue of credit card recharging online loan, my attitude is, if you are not familiar with it, don't try it easily unless you have very strong economic strength and other spare money as the strong backing for credit card repayment.
The above are some summaries made by Jade Bird during the six months of using the credit card, hoping to help everyone. Disclaimer: The article comes from the Internet and is only for users to learn and communicate. If there is any infringement, please contact to delete it.