There are many credit cards in hand, but do you know how to use them wisely? Credit card companies provide ten tips for your reference.

■ swipe your card at least once every two months.

What strange trick is this? It's very simple, because at present, most card-issuing banks almost adopt the principle that cardholders don't spend or borrow money and banks don't send bills. A few banks don't pay bills if they don't spend the month, and most banks are "kind" and don't pay bills if they don't spend for two months. You may wonder why the issuing bank spends so much money and sends you a bunch of advertising letters every month, so why is it so economical to send "bills"? For the issuing bank, the greater the card quantity, the greater the mailing cost. If there is no consumption amount, circulating balance or overpayment amount on the customer's credit card account, there is basically no reason for the bank to send you a "notice". However, many banks' changes in credit card-related rights and interests are printed on their bills. Therefore, if the cardholder wants to keep the information of the issuing bank unblocked, remember to swipe the card occasionally.

■ Try to lengthen the "interest-free period"

Every credit card has a "deadline" (or deadline, printed on the bill), and it takes about 18 days from the deadline to the "payment deadline" of the current card payment. Huang, assistant manager of Shanghai Commercial Bank, said that the longer the interest-free period, the lower the cost of capital. To extend the interest-free period, you have to use this card to spend money the day after the checkout date. Assuming that the card is issued on June 5, 65438, the payment deadline is June 23. If you spend 65438+ on June 6 and settle the account on February 5, then the payment can be delayed until February 23, with an interest-free period of 48 days. However, if you use this card on the 3rd or 4th of October at 65438+/kloc-0, the interest-free period is only about 20 days.

■ Independent debit and consumption cards.

Credit cards can be divided into "recycling family" and "transaction family" (only swiping cards without borrowing). Most recycling families bring a lot of credit cards, and almost every card needs to borrow money. Huang said that it is best for revolving card holders to keep the 1 card that does not borrow money, so that they can spend money on weekdays. If every card borrows money, it means that ordinary small expenses may need to use the interest rate as high as 20% to calculate interest, which is very uneconomical.

■ Network entities are separated by cards.

At present, online shopping is popular, and many banks have also launched so-called online shopping "virtual credit cards", which provide a set of card numbers for consumers to use on online cards. Most of these online credit cards have low credit lines and relatively perfect risk management mechanisms. Dr. J.R.Chen, consumer finance consultant of Thai Credit Bank, said that whether there is a virtual credit card or not, consumers who often swipe their cards online had better prepare a low credit card of 1, or ask the bank to reduce the credit limit, so as to avoid a large number of credit limits being stolen under the unsafe online credit card environment.

■ Don't borrow the password in advance.

Many banks have changed to an "identification system" for issuing cash passwords for credit cards in advance, that is, banks only provide passwords when cardholders need them. If you don't think you need to borrow money, you don't need to apply for a password. If you apply for a cash advance password and manage it badly, it will give others a chance to steal it. The loss of advance cash is not covered by "zero risk of card loss" or "card loss in finite risk", and the cardholder must bear the responsibility.

■ One-card payment.

At present, most credit cards can pay for electricity, water, telephone and mobile phones. Dr. J.R.Chen suggested that if you want to make account management more convenient, cardholders can use 1 card for the payment and transfer of public utilities or telecommunications fees. In this way, the monthly 1 credit card bill can show your expenses at a glance.

■ Automatic withholding of attention deposits

For convenience, automatic debit of credit card account is the simplest payment method for most people. However, it should be noted that assuming that 65438+ 10 month 10 is the deadline for payment of bills, the card-issuing bank will automatically deduct the money at 0: 00+10, instead of 3: 30 in the afternoon, which is generally believed, before the end of banking hours. Therefore, if it is found that the account amount is not enough, it is best to make up the money a few days ago, so as to prevent the bank from deducting money on the same day and putting the cardholder on the "late payment fee" list, and the penalty may be deducted next month.

■ Destroy signed bills regularly.

The credit card bill has the card number, the validity period of the card, the authorization code of the special store, and your signature. With this 1 signature, criminals can make a fake card of 1, so that the signature can be invalidated after receiving the credit card bill every month. There is a general manager of a credit card company who regularly destroys signed bills with a "shredder" every month. His famous saying is that the signed bill must be "shredded" in order to sleep well.

■ Make good use of toll-free telephones.

At present, all banks have special credit card customer service centers. The telephone service center can temporarily increase the credit limit, make up the bill and solve the problem of difficulty in signing the bill. You'd better remember the 0800 toll-free telephone number of your issuing bank and make good use of your "first right". For example, if you are fined for the first time, or are inadvertently included in the circulating interest, you can bargain with the bank as long as you have good credit and legitimate reasons, such as going abroad and missing the payment time. Most card-issuing banks will not "embarrass" cardholders for the first time.

■ Dealing with at least three banks

Cardholders often complain that there are too many cards. In fact, it is not too much for modern people to take three or four cards. Dr. J.R.Chen said that if you keep good contact with at least three banks for a long time, your "credit status" will be "more valuable" than that of a cardholder with only one card, that is, if you contact with multiple banks, your credit will expand, but you will be good at maintaining it and your credit status will increase exponentially.

How to make money with credit cards

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!