As for credit cards, there are also different opinions, some advocate and some refuse!

For credit cards, Xiao Er thinks (claiming to be a clerk):

With the development of society, it is inevitable that the application of credit will be more and more extensive and play an increasingly important role in our lives. Although the current credit card is only a means used by banks to attract customers, it meets the public demand and social development trend. In the future, credit cards will contain more and more content!

Therefore, using credit is a good thing and cannot be refused!

But why do so many people reject him now?

Mainly because of this thing, it is great and convenient. I bought everything I didn't want to buy at first, but I didn't touch tangible RMB at that time, and I didn't feel like spending money, only it was cool and chic!

Because of this feeling, because there is no money or extra money in my pocket, I can still brush, so brush, brush, brush, and the bill is dumbfounded! But I can't stand this feeling next month, so I brush it again. . . .

So it is caused by extravagance and waste, so it is caused by spending money indiscriminately, so the repayment period is dumbfounded. . . So he became a slave! !

So we turned him down!

In fact, the key reason is that you are just a tool, just like a car. Sometimes you have an accident. Can you say you have a strange car? As long as everyone can spend rationally, credit cards are definitely a good thing. I'll tell you how I use them, what's wrong with them, or do you have any clever tricks? Then give some advice, Xiao er, thank you! !

In fact, you may also see many ways to use credit online, but it is very complicated. Let me use my own purpose to say:

First, open a card as a gift, and the gift makes money.

The competition is fierce now, so many people give gifts. Besides, if you don't activate it now, you don't have to pay. This is a good choice!

Some guests may ask, I don't need many gifts. What does that matter? Sell it on Taobao! !

Note: To avoid accidents, remember to return the unused extra cards even if they are not activated!

When you set up a booth on the roadside, you should pay attention to prevent it from being a black booth!

Of course, if you provide untrue information, that is an exception. You can ignore the above two points, but remember, I'm not teaching you to cheat, haha!

The second interest-free loan-make good use of the accounting date and repayment date.

This is the essence of credit card, so you must make good use of it. I won't elaborate on the billing date and repayment date here. You can find out by searching. I am here to analyze in detail how to use:

1, Taobao Shopping:

If the merchant provides a credit card, if you want to buy online, use a credit card if you can, especially after the account period. Wow, that was an excellent time!

2. Credit loan:

Of course not what I'm talking about here. Credit card If you can brush your credit reasonably, that's your skill, but now the supervision is very fierce, so pay special attention not to be deceived by malicious credit merchants!

I am talking about the law. If your credit card limit is 50,000 and you have two or even three cards, press two. Other principles are the same:

A billing date is 27, for example, the repayment date is 7 next month; For the other card, the billing date is 15, and the repayment date is 25th. If you spend on 27th ~ 14, you will get a great interest-free period if you use the first card and spend on the second card on15 ~ 26th.

Some big items such as mortgage can be swiped. Remember to ask if there is a handling fee for this kind of products. Although some say it can be staged, it actually contains some handling fees, which have been secretly added to you! !

3. Qian Shengqian-Investment:

Some people say that I don't spend much money and credit loans are useless to me! This is a big mistake. For example, if you just got married and need furniture, it will cost 50,000 yuan. You can swipe your card and invest all your money. For example, if someone wants to discount a commercial bill, it will expire in one month and the interest rate is 5%. Then you won 2500 dollars out of thin air.

Or if you see a fleeting opportunity, and you happen to be idle for 50 thousand, then you can successfully seize it. What good is it?

Of course, some guest officials may say that there are not so many good things. However, good things do not happen every day, but they may happen every day. The key is whether we can earn cash. We find that we can grasp it favorably and want to grasp the resources at hand, such as 50,000 cash.

4, points for gifts:

If you use it well, you will definitely get a lot of points, and these points can also be exchanged as gifts, which can also benefit you and be sold!

5. Deposit interest:

Seeing this title, many people may be confused. Credit card deposits earn interest. No, right! !

This is the place I use the most!

Let me explain:

Let's talk about deposits first-my deposits here refer to cash assets on hand. Under normal circumstances, we need to prepare some money for our daily life, such as emergency funds or reserve funds. A reasonable amount of this money can meet our normal expenses for 3~6 months, and the rest of the investment should be done, otherwise it will be a waste, not only a waste but also a devaluation!

For this part of the money, most people do it in the bank card, but do you know what your interest is in the bank card? Poor thing, then what should we do? This bears interest:

Interest: Of course, you can earn interest by depositing it in a bank card, but this interest is pitiful. What should I do?

Use this money to buy money market funds. The liquidity of money market funds is equivalent to cash. If you want to use money, you can get it tomorrow if you apply today, which will not delay your use, and its interest is much higher than the interest you put in the bank. It is equivalent to a three-month time deposit. How's it going? Very cost-effective!

Different from ordinary funds, money market funds do not have any fees, such as redemption fees, and have a special relationship with ordinary funds, so they are called the safe haven of funds, because they can be converted into money market funds when the market is bad and can enter the market when the market is good!