Why do you need a credit card?

1. Why use a credit card?

1. Just in case, emergency needs

The money in the debit card is what you want to save. Yes, once something unexpected happens and catches you off guard, such as falling ill and not having enough money for medicine or even surgery, then a credit card can come in handy.

You don’t need to owe favors. You can swipe your card for urgent use and use the interest-free period to repay. When the time comes, your salary will be paid, or your financial management will increase your money? You have one more choice at critical moments.

2. Accumulate credit in the bank

How can people not borrow money when they are floating in the world? The lowest cost of borrowing money is the bank, which will be based on the cardholder's repayment ability. and willingness to repay, granting a certain credit limit, the importance of personal credit is still very important.

Having a good credit card usage record can better prove personal credit. The better the credit, the higher the success rate of applying for a card loan.

In addition, when using credit cards, you must avoid bad records such as overdue payments and debt arrears, otherwise it will affect your life and business in the future.

3. Satisfy daily consumption

“Spend tomorrow’s money to fulfill today’s dream.” When I see a bag that has not been discounted for a long time suddenly being promoted, but I don’t have much money, Your salary won’t be paid until next month, and now you only have one credit card left!

4. Points redemption and various discounts

In the era of Internet payment, don’t say you are still paying by merchant Eating and watching movies at prices with reasonable prices! Credit card points can be exchanged for small gifts online. Airline miles saved can be exchanged for air tickets. Points can be exchanged for star hotel stays, Starbucks, movie tickets, etc. They can be used as cash and can also be exchanged for cash on the platform! In addition, various banks offer endless credit card benefits and discounts, such as restaurant merchant vouchers, 9 yuan movie tickets, free airport transfers, VIP lounges, etc., but debit cards are not discounted at all!

5 , Convenient to check accounts and understand your own consumption

Usual accounting is a tedious task. The monthly credit card bill is basically equal to the consumption record. You can also bind payment apps such as Alipay to clearly understand your expenses. Facilitates financial planning.

Credit Card

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Why should I apply for a credit card? What are the benefits?

Many cardholders have always stayed away from credit cards, especially when they saw those "XXX overdrawn their credit card and was unable to repay it and was sentenced to prison" "," and "someone came to apply for a credit card and the credit card was stolen" and other negative news, which makes people feel that they should not apply for a credit card.

In fact, credit cards are not a scourge. A large part of the reason for these negative news is due to problems with cardholders. It has nothing to do with the credit card itself. There is no need to reject credit cards.

You know, for many people, the advantages of holding a credit card outweigh the disadvantages. Let’s introduce to you why you should use a credit card and how to choose the right credit card.

Analysis of the three major benefits of credit cards:

1. Accumulated credit: People who have never dealt with a bank will have a blank record in the central bank’s credit reporting system. If you want to change this situation, start by using a credit card. As long as you apply for a credit card, swipe the card frequently and repay it on time, you can establish good personal credit, which will be very beneficial for handling bank-related business in the future.

2. Save money: Credit cards can be used for overdraft consumption, but don’t be blind when swiping your card. It is best to understand clearly what discounts you can enjoy with your credit card, so that you can save money by swiping your card. For example, if you apply for a Bank of Communications credit card, you can participate in the "Redtest Friday" event and get a refund of the credit card by swiping your card at the supermarket.

3. Temporary emergency: For example, if your laptop is lost, you must buy a computer immediately because of work needs, but you have no savings. If you want to buy a computer, you can only borrow money from someone. And if you have a credit card, you can swipe the card to buy a computer immediately, and you can also choose to repay in installments to relieve stress. All in all, having a credit card with a certain limit can make you more prepared when facing emergencies.

The benefits of credit cards are not limited to the above three points, so I will not introduce them one by one. You can experience them yourself during the process of using the card.

Why should you use a credit card? Just look at these benefits of credit cards.

With the advent of the era of credit consumption, major banks are constantly developing new credit card types in order to seize the market. Now Basically, everyone has one or even several credit cards. There are many friends who are still waiting and watching. Friends who have never applied for a credit card may still be confused about why they should use a credit card. Next, let me tell you the reasons why we recommend credit cards.

The reason why using credit cards is good is that credit cards maximize the time value of funds. The following are summarized benefits of using credit cards:

1. Credit card settlements are often accurate. to the merchant, so the statement is a very good bill, and the merchant information of the debit card statement is generally not so detailed. The credit card statement can be said to be a very good accounting tool;

2. Follow Compared with cash, credit cards are easier to carry. You can also get points by swiping credit cards, which can be exchanged for a large number of gifts provided by banks;

3. Compared with ordinary bank debit cards, credit card consumption does not require a password, such as eating at restaurants and bars. In this case, there is no need to follow the waiter to enter the password;

4. Some banks can repay in installments. Buying something can be divided into 24 monthly repayments, allowing you to consume in advance to a greater extent. This is also the case for most people. Understanding of why you should use credit cards;

5. Credit cards can synchronize expenditures with income. For example, if you spend money in March and get paid on April 8th, if you set the automatic repayment date of your credit card to the 10th, then it will be easy to automatically deduct money from your salary card after your salary is paid;

6. Credit cards are very convenient for international small-value payments, and there is no better alternative for international small-value payments.

Why use a credit card? What are your tips for using it?

I have been using credit cards for several years, and now I have several credit cards, so now I will share some tips on how to use credit cards.

1. Make good use of the interest-free period of your credit card.

All credit cards have an interest-free period of 20 to 50 days. If we swipe the credit card from the day the bill is issued, then we will have more than 50 days of interest-free period. Basically, the maximum number of days of interest-free period of each bank is similar.

I have three credit cards at once, and I adjusted the bills of the three credit cards to the 10th, 20th, and 30th respectively. When the bill comes out on the 10th, if I want to make a purchase in the next few days, I will immediately use the credit card with the bill on the 10th. I will also use other credit cards in the same way, so that I can use my credit card to the maximum limit. Interest-free period.

2. Accumulate personal credit.

This is what I heard from a friend. Most of us only use debit cards for daily deposits and have no other contact with banks. Then the bank will not have a good assessment of our credit, which will easily lead to difficulties when we need a loan to buy a car or a house.

3. Credit cards can be used for emergency needs.

As a rule of thumb, try to increase the limit of your credit card when it is possible, in case you need money urgently and don’t have enough money on hand. Credit card is a good emergency tool.

There was a relative in my family who needed tens of thousands of dollars urgently. At that time, I didn’t have that much cash on hand. Fortunately, I had credit cards. The total amount of several credit cards was around fifty or sixty thousand, and all three of them were maxed out. , I also made a little extra money, and by the time I had to pay back the money, I already had enough funds.

4. There are many discounts on credit cards

This is more convenient for friends who like to eat out and travel. There are many coupons on it, and you can save some money by redeeming them. .

I have a classmate who always likes to eat out, and he has a credit card. Sometimes the coupons can only be used by one person, and I happen to have one too. He asked me to redeem coupons for him many times, and each time I saved him a lot of money.

5. When using a credit card, withdraw money from cash and control consumption

Because credit cards have limits, and the credit limit is relatively large, it is easy to spend without restraint. Here, I will introduce you to a good method.

Let’s prepare one first, which is a temporary account, such as Alipay’s Yu’ebao or WeChat’s Lingqiantong.

Whenever we spend an amount of money from our credit card, we transfer the money from our debit card or WeChat to this temporary account. Then we can clearly know how much we have spent, and we will not be so confused. It’s easy to overspend.

The above is my experience in using credit cards, I hope it can be helpful to everyone.

Hello everyone! I have worked in a bank for a long time and have many years of experience in using credit cards. Next, I will share with you some of my understanding and experience of using credit cards.

1. Why use a credit card?

1. Credit card is the only debt instrument with a long interest-free period and has high use value. This is not available in any other loan type. This means that for a period of time, we can spend the bank's money for free to do our own things. When money is tight, you can use a credit card to tide you over without paying interest.

2. You can accumulate personal credit. Banks generally will not easily grant credit to "white credit accounts" that have no credit record in the Credit Reference Center of the People's Bank of China. Even if credit is granted, the loan amount will be very low, and the loan interest rate will not be any preferential. Young people who have just stepped out of society can accumulate personal credit by using credit cards and repaying their bills on time, laying the foundation for applying for mortgage loans, car loans and low-interest credit loans in the future.

3. You can accumulate points and participate in preferential activities. Using a credit card, you can accumulate points and redeem them for gifts or benefits. In order to seize the market and maintain customers, various bank credit card centers have launched many preferential activities. Some activities are very powerful. Activities such as 50% off food and 1 yuan to watch movies are very cost-effective and can save a lot of money.

4. Some credit cards have powerful functions and can facilitate daily life. For example, I applied for an ETC credit card from the Agricultural Bank of China a few years ago. The bank gave me a small machine called OBU for free. It was installed on the front windshield of the car. Every time I got on and off the expressway, I could use the ETC channel. It was very convenient. Convenient and saves a lot of queuing time. Compared with ordinary ETC cards, ETC credit cards do not need to be recharged in advance. You just need to remember to repay after using it.

As a modern financial tool, credit card can make our lives easier if used correctly. Below, I will tell you 3 usage tips.

2. Usage skills

1. Make good use of the interest-free repayment period. Credit cards are particularly cost-effective when making large purchases. Because during the interest-free period, we can deposit a large amount of money originally used for consumption in the bank to earn interest, or buy a short-term financial product. It is recommended that you apply for 2-3 credit cards. When making large purchases, calculate which card has the longest interest-free repayment period, and then use that card.

2. Try to repay the loan in full. There is a prerequisite for enjoying the interest-free repayment period, which is to repay in full. If you cannot repay the loan in full on or before the due date, the interest rate on the credit card loan is very high. The minimum repayment loan interest rate is 18.25%, and compound interest is charged monthly. Credit card installment loan interest rates are generally above 14%. If you really use a credit card to borrow money, the cost is very high.

After using the card for many years, I have only carried out two credit card installments. Once, the China Merchants Bank Credit Card Center held an event, and the installment could give me a backpack. I calculated the installment cost, and it was very cost-effective, so I carried out the installment. Another time, our bank issued a mandate that every employee must make a credit card installment. I had no choice but to make a second installment.

3. Pay attention to your own psychology of using cards and the bank’s marketing tactics. Never treat the credit card limit as your own money. Take myself as an example. I used to mainly use China Merchants Bank’s credit cards. After swiping the card, China Merchants Bank’s WeChat notification would only tell me the transaction amount, but not the remaining balance.

As long as the quota is not used up, you can use it. I have no idea how much I spend in a month and how much I have left. If you are not careful, you may mistake your credit card limit as your own money. When the bill day came, I found that the bill was quite large and a lot of money had been wiped out.

I think this is actually a marketing trick, and it should be done deliberately by the China Merchants Bank Credit Card Center in order to get cardholders to spend more money with their cards. It is technically very simple to add an available balance to the WeChat notification. For example, the WeChat notification of the Agricultural Bank of China credit card has "available balance".

In order to control spending, last year I unbound all the credit cards bound to WeChat and Alipay, and used debit cards for all small daily expenses.

After each consumption, the balance can be seen in the WeChat notification of the debit card. As I see less and less money on my card, I will save some money. After a few months, I found that I spent less money every month than before.

You can also observe your own psychological changes. If you are like me, I suggest you use a debit card for daily sporadic expenses. Use a credit card when making large purchases or when you can enjoy discounts by swiping a credit card.

You have to pay back the credit card after you use it. Never treat the credit card limit as your own money.

Finally, let me ask you a question: Compared with not using a credit card, do you think using a credit card will make you spend more money?

I have been using credit cards for several years, but I haven’t done any tricks. Let me briefly talk about my experience.

1. If you can use a credit card for shopping, use a credit card

The bank issues a card for consumption, so as long as you accept credit card payment for shopping, use a credit card for all purchases, which can increase your credit limit. There is no annual fee and you can earn points.

2. Be sure to raise the limit when notifying you

In the past, after I used my credit card for a period of time, the bank notified me to increase the limit. I thought it was useless, so I gave up. As a result, I was in trouble later when I wanted to withdraw it. I applied multiple times in half a year to withdraw 20,000 yuan, so don’t miss the opportunity he gave you.

3. Set up at least one automatic repayment method

Nowadays, credit card repayment is more convenient, but you must set up an automatic repayment method to avoid breaking your promise if you forget it. . One time I forgot to return it, so I immediately contacted customer service. Fortunately, there was a temporary service, otherwise it would have been recorded in the credit report.

4. Make good use of the interest-free period of credit cards

The interest-free period of credit cards is generally about 20-51 days, from the last bill date to the repayment date of the next month. For example, my bill date is the 2nd of each month, and the repayment date is the 22nd of each month. If I consume on January 3rd, I will repay on February 22nd. The interest-free period is the longest for use after the bill date, so I usually top up the gas card with a credit card before the 10th of each month.

5. You can use a credit card for emergency repayment

If you have no money to repay the credit card on the repayment date, you can use a credit card to repay the loan. The premise is that your credit card limit must be sufficient. For example, I have to repay 8,000 yuan on the 22nd, but my salary has not yet been paid. If I don’t want to borrow money, I can use my credit card to make another virtual purchase of 8,000 yuan before the 22nd, then return the goods, and the 8,000 yuan will be refunded to the credit card, and I will pay last month’s bill. Returned. (For emergency use, do not maliciously swipe orders)

6. Try not to use credit cards to withdraw cash

Credit card cash withdrawal fees are very high, usually 1%, which is very uneconomical. I didn’t understand it at first, but I remembered it after withdrawing it once and will never use a credit card to withdraw cash again. The interest and handling fees for installment repayment and the like are also very high, so use them as little as possible.

The above are some basic experiences for your reference.

In modern society, everyone has several credit cards. Credit cards play a very important role in modern times. Credit cards not only store money for us in our daily lives, they can also accumulate credit for us and accumulate points to exchange for some daily necessities. In our lives, "Although credit cards are small in size, they still play a big role." Today, let's talk about why people choose to use credit cards and what are the tips for using credit cards.

1. The Past Life of Credit Cards

Although credit cards are a product of recent economic development, credit cards were first issued in the United States in 1915 of the last century. At that time, Americans were poor and could only use credit to make ends meet. Today's Americans still continue the habit of "credit". Today's Americans like to enjoy life ahead of time. Therefore, most Americans still rely on debt to maintain their lives.

So how did credit cards come about? The credit card was invented by Frank McNamara. Frank McNamara is an American salesman. One day, a guest realized after finishing his meal that he had forgotten his wallet and had to call his wife. Asking his wife to bring cash to settle the bill, the experience gave him the idea of ??opening a company.

So, in the spring of 1950, he invested with his partners to create the first credit card company, Diners Club. In 1951, the first modern credit card was born - Diners Club.

The next year, many banks began to issue credit cards. Since then, credit cards have become popular all over the world and are still important today. People still like to use credit cards to settle payments.

2. Why do people like to use credit cards

Using credit cards can accumulate personal credit; you can enjoy more rights and interests of credit cards; large credit cards are a status symbol. Credit cards have so many features and people like to use them.

Credit cards can help us accumulate personal credit. The application and use of credit cards can be shown in the personal credit report. Credit card application is easier than loan application. After we swipe the card every month, we can repay it on time every month. Then personal credit accumulation will be accumulated quickly.

By opening a credit card, we can enjoy many benefits in the credit card. Some relatively wealthy people will choose to open some large-limit credit cards, such as platinum cards, diamond cards, etc. These large-limit credit cards bring many conveniences to cardholders, such as the ability to easily apply for VIP services at the airport, high-value insurance rights, hospital medical rights, etc.

Finally, large credit cards also symbolize status and status. Not everyone can apply for a credit card. To apply for a credit card, you need to have a certain financial strength and social status. The bank will classify each user according to their personal financial ability, purchasing power, etc.

3. Tips on using credit cards

First of all, I would like to introduce to you the credit card shopping discounts. We can use the discounts offered by the credit card issuer to shop in shopping malls, and we will get certain discounts.

Secondly, if we buy large items and we don’t have enough funds in hand, we can use the installment payment in our credit card to settle the bill, thereby eliminating the embarrassing situation of insufficient cash.

Finally, we can use credit cards to make small short-term loans, which is an effective way to alleviate our urgent need for cash to solve some practical problems.

To sum up, credit cards have always played a very important role in our daily lives. We cannot live without credit cards in life. Credit cards do bring us a lot of convenience. Therefore, people will like to use credit cards. We also need to have a certain understanding of the skills of using credit cards. One of the skills most closely related to our lives is that we can get many discounts through the discounts launched by banks. We can get many discounts when using credit cards to spend in shopping malls. If we don’t have enough cash at checkout, we can still Installment payments can be made by credit card. These are the conveniences that credit cards bring to us. In the future, credit cards will provide more conveniences to more people and will also be a payment method that people continue to use.

A credit card is like a double-sided knife. If you know how to use it, it can be beneficial to your life and finance. If you use it improperly, you will fall into the pit you dug. Credit cards have the following functions:

1. Spend in advance and repay in installments. Suddenly my mobile phone broke. I wanted to buy a new mobile phone for 6,000 yuan, but my salary was not paid. I could swipe my credit card and buy it first. After the salary is paid, it can be paid back in one lump sum or in installments.

2. An unexpected incident requires a sudden and urgent need for a sum of funds. If a family member or you get sick, you need funds urgently. You don’t need to borrow money from relatives or friends, a credit card is a timely help.

3. For overseas travel, credit cards can be swiped overseas in almost all countries around the world to avoid being unable to find a place to exchange local currency.

4. Use 40-56 days of interest-free consumption funds for financial management. If you buy a large consumer product worth 100,000 yuan, you have 100,000 yuan in cash and a 100,000 yuan credit card limit. You can swipe a credit card and deposit 100,000 yuan in the bank for financial management at a 3% annual rate, which is still 300 yuan a month.

5. Credit card shopping discounts include physical shopping malls and online shopping, with varying degrees of discounts.

6. Be cautious about over-consumption. Irrational consumption leads to overdue credit cards. Many people cannot afford to pay off their credit cards, and end up with heavy debts, with interest of 50,000 per day and 18% annual interest.

First of all, Jinkujun believes that in today’s society, young people should have one or two credit cards.

First, most young people are living on their own and cannot save money. Once they encounter an emergency that requires money, they will be very embarrassed. At this time, if you have a credit card, you can solve the urgent need and you will not be in debt. Favor.

Second, credit cards have many benefits and benefits. For example, you can exchange points for miles, get discounts on meals, etc. Some high-end cards also have high-speed rail VIP room waiting, free road rescue and other benefits (of course, these cards generally have annual fees).

Thirdly, credit cards can also accumulate personal credit, making it easier to apply for loans in the future.

There are many tips for using credit cards. Let’s sort them out below:

1. Apply for the credit card you need. When applying for a credit card, you must consider your own needs. For example, if you often drive, you can apply for a car owner's card, if you travel on business, you can apply for an airline co-branded card, if you often shop online, you can apply for a Taobao co-branded card, etc. Do not apply for a card just for the sake of it.

2. Set the billing date reasonably. If you have two or more credit cards, you should set a reasonable billing date. For example, if you have two cards, the billing dates should be 15 days apart; if you have three cards, the billing dates of each card should be 10 days apart, etc. This can maximize the advantage of the interest-free period.

3. Remember the final repayment date of each card. Credit cards must be repaid on time, otherwise they will be credited. Students with poor memory can save the repayment date of each card in a memo and set reminders.

4. Don’t cash out, don’t cash out, don’t cash out!

As a former bank account manager, I am familiar with the use of credit cards. It can be said that credit cards are the lowest threshold and most convenient credit tools accessible to ordinary people. By using your credit card well, you can invisibly save a sum of interest, and over time, you can save a lot of expenses. I personally think that using credit cards is one of the best ways for us to spend money on a daily basis.

So, are there any tips for using credit cards? Xinqi shares 2 tips with you

One is to maximize the use of billing dates and repayment dates

Each credit card has its own billing date and repayment date. In theory, you can enjoy the longest interest-free period if you consume on the billing date and remit the money on the repayment date. It is the most beneficial for us consumers, because the longer the interest-free period means that we do not have to repay during this period, which is equivalent to borrowing money from the bank for free for consumption, and the benefits are the highest.

The second is to make full use of credit card points

Most people definitely only know how to use credit cards for consumption, but they don’t care about credit card points. In fact, credit card points are very useful. Many banks have launched activities such as redeeming points for phone bills, gas cards, buffet coupons, etc., with rich rewards. In addition, credit card points have an expiration date. If we don’t use them before the expiration date, it will be a waste of the benefits we have obtained, which is a pity.

Finally, what Xin Qi wants to say is that the essence of credit cards is to promote consumption, rather than for illegal purposes such as cashing out. We must use credit cards rationally and make use of credit card tips to help us live a better life. .

Credit cards are issued by banks and replace banknote transactions, which is convenient and fast. Each transaction is shown on the bill, which can be queried at any time, and there is a certain interest-free period. Banks cooperate with merchants and often offer discounts. The bank will charge the merchant's handling fee and return it to the credit card user in different forms, such as exchanging points for gifts, etc. This will encourage card holders to continue using the credit card. Never make excessive purchases when using a credit card, such as purchasing luxury goods that exceed your ability to repay. Once you fail to repay the loan on time, it will inevitably be recorded as a bad record by the bank; it will enter the central bank's credit system and affect future housing loans. If you are unable to repay in full due to unexpected circumstances, you can make the minimum repayment; this way the bank will not be included in the central bank's credit system for non-repayment, but you still have to remember to make up the remaining balance in a timely manner. Credit cards can also be repaid in installments, and a certain amount of interest must be paid at the same time. Generally speaking, credit cards make life easier, facilitate transactions, and promote consumption. It has been in foreign countries for many years and has never been eliminated or replaced. On WeChat and Alipay, you can bind the credit card as a mobile payment tool, and you can also repay on WeChat and Alipay. Shopping purchases on JD.com and Meituan, as well as Didi Chuxing, can be made by binding a credit card.

1. Credit card is a reflection of personal credit

Having a credit card does not necessarily mean that a person has good personal credit, but if a person cannot apply for a credit card, 99% of the time it is because the personal credit is poor. question.

2. Credit cards can be used to advance consumption

Credit cards give you a credit limit, which can be used to advance consumption and repay later. Using a credit card can not only build personal credit but also relieve financial pressure.

3. Credit cards have an interest-free repayment period of 25-56 days

There is no interest-free repayment period, so don’t use it in vain. After all, it’s only one more day that you can keep your money!

4. Credit card consumption can be repaid in installments

If you use a debit card, the money will be lost immediately. Credit card consumption can be repaid in installments, which can alleviate the pressure of repayment and allocate the repayment reasonably. Payment progress makes life better.

5. Credit cards have many merchant discounts

In order to market credit cards, banks usually cooperate with multiple merchants. The merchants give users of the bank’s credit cards considerable discounts. Of course, you can save money if you can.

6. Credit card can temporarily increase the limit

When you have short-term large purchases, you can apply for a temporary increase in the limit. As long as you perform the contract on time and have good credit, the temporary limit increase can be passed in seconds. Temporary financial pressure can be relieved relatively easily.

7. Credit cards can be used for emergency cash withdrawals

Generally speaking, half of the credit card limit can be used for emergency cash withdrawals, that is, when you need money very urgently and have no cash on hand and no friends. When you can borrow money, you can directly use your credit card to withdraw money from an ATM. However, interest is charged on a daily basis and the cost is relatively high for cash withdrawals. It can be used for emergencies, but it cannot be used as a daily loan.

8. Credit cards can be used as working capital funds

Some business owners have credit cards with relatively large limits. They can also use credit cards to settle business payments and make good use of them. The interest-free period can extend the actual settlement cycle. The same is true in personal life. In short, if you have a credit card in hand, as long as you use it reasonably, you will be prepared.

Using a credit card is mainly based on personal preference, and there is no need to use a credit card. For example, if your family is wealthy and has plenty of money, and you don’t have corresponding personal loans in the future, then there is no need to use a credit card. And if such people also use credit cards, then it is entirely based on personal preference.

If you have Huabei and often use Huabei for shopping, and do not have any major expenses, then there is nothing wrong with using Huabei, mainly to solve problems and obtain the corresponding interest-free period. .

So what are the benefits of using a credit card?

1. Solve the problem.

Many people are members of the moonlight tribe, especially young people who have entered the society with light. However, there is a huge demand in consumption, so it is very necessary to apply for one or multiple credit cards, which can solve short-term capital needs and achieve the purpose of "use the goods first and pay later".

Even if the credit card cannot be paid by the repayment date, you can still make corresponding installment payments to ease the repayment pressure and solve the problem. However, if you don’t have a credit card (including credit financial products such as Huabei), you will face problems and may even turn to relatives and friends for loans.

2. Obtain the corresponding interest-free period.

Having a credit card has a certain interest-free period for users, especially if you hold multiple credit cards with different billing dates, you can try to get the longest interest-free period. Investors with assets can use the interest-free period to obtain corresponding asset gains.

For example, if you spend 10,000 yuan on the bill in the future, the interest-free period will reach 50 days. If you pay directly in cash, there will be no interest-free period, and time has value. Even if you spend this 10,000 yuan to buy a currency fund with a 7-day annualized return rate of about 2.5%, it can increase by 10,02.5%/ in 50 days. 36550=34.25 yuan.

3. Improve central bank credit reporting