Tip 1: Repay associated with salary cards and credit cards

Currently, most companies use bank cards to pay wages, and most people also have credit cards.

Moreover, for most office workers, they are often penalized by the bank due to delayed repayment, and have a certain amount of idle funds on their salary cards for a long time. This function not only ensures that you can make money today Spending tomorrow's money also saves you a lot of penalty interest fees and avoids the fatigue of running to and from the bank.

Manager Fan Kai of the Personal Finance Department of China CITIC Bank Xi'an Branch said that establishing a linked account relationship between your credit card and debit card is the current repayment method recommended by banks. Especially if it is linked to the salary card and the salary income is paid regularly, it ensures the timeliness of repayment, and in the long run, a good credit record can be established.

Fan Kai said that there are two ways to repay linked accounts. One is partial repayment, that is, the bank will automatically deduct the "minimum repayment amount" from the associated debit card on the repayment date. 10% of the amount owed. There is also a full repayment method. On the repayment date, the bank will deduct all the cardholder's repayment amount for the month from the associated account. The specific repayment method is based on the agreement signed between the credit card holder and the bank when applying for the credit card.

Of course, the prerequisite for linking a debit card and a credit card is that the two cards are issued by the same bank. When encountering inter-bank transactions, you can use online banking to realize the inter-bank repayment function of your credit card. Most banks have launched this service, and many banks have also launched many preferential policies to facilitate customers.

Tip 2: Transfer current deposits to fixed term and make effective use of idle funds

The second step that everyone must consider is to agree on the transfer business.

Manager Hao of Everbright Bank Nanjie Branch said that if you need to use funds, you can move the funds deposited in the regular savings account out to ensure the dispatch of your funds. Of course, if this part of the funds has not been deposited for the full period, interest can only be calculated as current savings. The remaining funds in the fixed account can continue to enjoy the benefits of fixed deposits. Therefore, you can determine the term of the fixed deposit according to your actual needs. Generally speaking, three-month and half-year periods are more suitable choices. After a period of accumulation, funds can have more choices.

In addition, for those who have purchased a house through a personal mortgage loan, using the balance on the salary card to offset the interest on the housing loan is also a way to manage the spare funds on the salary card. Fan Kai said that many banks have launched related "deposits and loans" products. Since many salary cards have a certain current balance, if the function of "deposits and loans can be connected" during the deposit period, it will undoubtedly improve the family income. Fund operation efficiency.

Tip 3: Use credit cards reasonably and effectively for consumption

For most people, they have more than one credit card. You can also get a “free lunch” by effectively choosing the interest-free period of your credit card. For example, the price of seasonal commodities generally differs greatly between the off-season and the peak season. For example, the price of air conditioners can differ by up to 20% between the off-season and the peak season, while the time difference between the off-season and the peak season is only 3 to 4 months. In this way, you can save money by using a credit card to pay in installments. In addition, with various discounts from major commercial banks, you can also accumulate more points for yourself or get more discounts.

Tip 4: Purchase financial products easily

Manager Hao of Everbright Bank Nanjie Branch said that many banks have opened "Bank-Security Connect", "Bank-Based Connect", "Bank-Insurance Connect" You can easily purchase various financial products using bank cards, such as foreign exchange, gold, insurance, funds, treasury bonds, etc. You can also enjoy certain discounts or higher yields when using a bank card to purchase newly launched funds and other financial products. The biggest advantage of using a bank card to purchase financial products is that it saves time and effort. You can sit at home and use telephone banking services or online. Just bank services.