Credit card management app, I use it myself. If you have too many credit cards, you will sometimes forget to pay them back, which will affect your credit score.

I have five credit cards, each with a different repayment date, which resulted in one of my credit cards being overdue several times.

Later, after comparison with the Tenglvtong Credit Card Manager I used, it helped me pay off the credit card every time, had a good credit record, and also increased the limit. I raised it from 35,000 to 56,000.

Tenglvtong is a really good app

So far, the number of credit cards issued in my country has reached nearly 500 million. I believe that many cardholders have more than five credit cards. Even if one bank holds two cards, the bills for different card types in some banks are not on the same day. So how do we manage so many credit cards on a daily basis, and how do we ensure that we don’t forget the repayment date?

The credit cards I have are eight lines and twelve cards. Because there are so many cards, it is really difficult to manage and compare prices. I divide how to manage credit cards into third-party application management and personal management.

Third-party application management is a variety of mobile APPs. The mainstream APPs on the market are mainly as follows:

1. 51 Credit Card Manager

Currently It is the most popular credit card management software in the country. If you have more than five credit cards and need to manage your own credit card repayments, this software is more suitable. After the APP imports your mailbox bills, they will be arranged according to the payment date to remind you to repay when due.

2. Kaniu Credit Card Manager

The interface is relatively fresh and natural. The difference from 51 is that it does not have its own repayment channel. You need to jump to Alipay, bank account and other repayment channels. . The main advantage is that it has its own calendar function, which lists the credit card discounts of various banks, making it easy to find out.

3. UnionPay Quick Pass

Needless to say, this is UnionPay's own son. It has very comprehensive functions. You can directly bind a credit card. When it expires, you will be prompted for repayment and the repayment amount. , monthly consumption data can be seen above.

The above are several mainstream apps for third-party software to manage credit cards. You can experience them separately and choose the one that suits you.

Let me talk about my management methods:

Because privacy is so exposed now, I no longer trust all third-party organizations. Moreover, the management software introduced above exceeds my needs, so now I mainly use EXCEL to manage it myself.

This table contains all the card information of the credit card, and some functions are added to it. Let’s briefly talk about how to use it:

Billing date and repayment date

The functions =DATE() and =today() are used here. =DATE(YEAR(TODAY()), MONTH(TODAY())-1, 26) means today’s year, today’s month, and fixed billing day. This excel sheet will be refreshed automatically every time you open it. Remember to set the cell format here to date.

Number of repayment days

Conditional formatting is used here: click "Conditional Formatting" - "New Rule"

After setting as above, click the arrow position

p>

Click OK to complete the settings.

The minimum value of -3 is because the bank has time slots. If you don't repay the loan for more than three days, it's over. The maximum value is 58, and the longest interest-free period is generally 58 days. You can change it yourself if you need it. The longer the green color, the longer the repayment date is, and the red color will not be displayed for more than three days.

The function uses =H6-TODAY(). Select Number for cell format. H6 is the repayment date cell.

There are also some other functions, such as the total number of credit cards and credit limit statistics, which are the most basic summation functions.

The above two ways of managing credit cards can completely avoid the trouble caused by forgetting to repay due to busy schedules. Do you have any better ways to manage credit cards? Welcome to leave a message for discussion.

I have four or five credit cards and have downloaded many credit card management software. In the end, there are two software that I think are pretty good: NetEase Money and 51 Credit Card.

A. NetEase Youqian

NetEase Youqian is an accounting app produced by NetEase. You can add credit cards and synchronize credit card statements. It will also send message reminders on the repayment date every month. Not only can you see your consumption records, but you can also see your interest-free days and payment date, and there will be message reminders when the repayment date comes.

In addition, you can also synchronize the bills of other savings cards and Alipay, and you can also add investment accounts such as stocks and funds to synchronize. . By automatically synchronizing bills and accounting, you can have an understanding of your consumption situation, and plan your assets well through the data statistics on the app.

Generally speaking, as a credit card management, it is still overkill, and it is more appropriate to call it asset management.

B. 51 Credit Card

51 Credit Card automatically parses electronic bills through email. It also has expiration reminders and can be repaid through the APP. However, I value asset management more than repayment. Because I have bound my savings card for automatic repayment. Occasionally, manual repayment is because there is a balance that cannot be withdrawn from WeChat or Alipay. So this function is not very useful. Overall, 51 Credit Card is not bad.

These two models are recommended to everyone. If you are interested in comprehensive functions, in addition to managing credit cards, and want to gradually establish a financial management concept and comprehensively manage your own assets, it is recommended to use NetEase Money.

The UnionPay APP is very good at managing your credit. Guanjian is a safe APP of China UnionPay. There is no handling fee for transferring money to credit card. Convenient to check bills.

If you want to use mobile phone management

The only recommended one is the UnionPay app

This is a UnionPay thing

mcc, transaction record Check here

Bills are updated in real time

There is no need to worry about security

If you use a computer, you can use the form, which is more clear at a glance and maintains the card efficiently!

Credit cards are a double-edged sword! However, I still insist that it is better for poor people not to use credit cards. This thing is still suitable for rich people. The prerequisite for using credit cards well is that you have sufficient repayment ability and financial management ability. If you use credit cards poorly, Just like using P2P online lending, it will eventually fall into a cycle.

The advantage of credit cards is that they are easy to turn around at critical moments. For users with short-term financial constraints, credit cards can fully support their daily consumption needs. For most office white-collar workers who receive a monthly salary, credit cards It can be said to be a very convenient temporary wallet.

Credit has many advantages. It is basically difficult to make purchases abroad without a credit card. The biggest advantage of credit cards is that there are many discounts. Many big brands have cooperated with major banks and basically have preferential policies for credit card consumption, such as discounts for big brands, and credit card points can also be exchanged for some exquisite gifts. Apple is even more like this. Cooperating with banks, there is an interest-free period of up to 24 months.

Credit cards have many advantages, but if used improperly, it is easy to remember the repayment period incorrectly. Misremembering the repayment period is likely to affect your credit in the end. At this time, the gain outweighs the loss. Once you forget the credit card Your credit record for repayment will inevitably be affected, and it will be more troublesome in the future when you need a loan to run a business, buy a house, or buy a car.

Of course, there are many credit card management tools, such as WeChat and Alipay, which can also perform simple bill management, but they are not convenient enough. Of course, you can also manage credit cards well with the help of major banks’ own credit card apps. China Merchants Bank Credit Card The app "Cockpit Life" can even be said to be the benchmark in the industry, but after all, there are often more than one credit card and not just one bank. It would be very inconvenient to download one app for each bank.

Later, third-party credit card management tools such as "Kaniu Credit Card Manager" and "51 Credit Card Manager" appeared. These tools can even be used to manage Huabei bills, but these third-party tools are not safe enough. Credit card information is relatively important, so it is not safe to hand it over to a third party.

UnionPay is a product of China UnionPay. As a son of the central bank, you can rest assured of the security of this product. It is definitely much better than handing over your information to a third-party platform. It is also very convenient to manage credit cards with Cloud QuickPass. One App can manage all your debit and credit cards very well.

Another huge advantage of Union Quick Pass is that there is no charge for repayment. Currently, Alipay and credit card repayment charge fees. Of course, for most credit card users, there may not be any fees in each billing period. The handling fee is too large, but for heavy credit card users, such as myself, who have at least tens of thousands of credit card bills every month, the monthly handling fee will be close to 100 yuan, which is more than 1,200 yuan a year. With cloud Naturally, Quick Pass can also save a lot of money on coffee.

Currently, there are many apps for managing credit cards on the market, and their use varies from person to person. You can choose the corresponding product according to your own needs.

1. Pure consumption type

This type of app is mainly used to bind credit card consumption. Typical representatives include Alipay and WeChat. Now this type of app also charges credit cards, although there are Repayment reminders also display the amount owed, but synchronization is poor and is not recommended for credit card management.

2. It has various services

This kind of representative app is 51 Credit Card, which can be used to manage credit cards, and can also be used for loans, financial management, financial peripherals, etc. , it should be said that the function is relatively large, but because it analyzes electronic bills, like Alipay, the bill synchronization is poor, and it cannot be used for direct card consumption.

3. Consumption and service type

Cloud QuickPass is a typical representative of this type. It has powerful debt management functions, accurate consumption statistics functions, and real-time payment Check the preferential activities of different card types for a certain period, with free repayment and red envelopes for consumption, which is very practical. If the poster really needs a credit card manager, Cloud QuickPass is currently the best choice.

I just have some experience, let’s discuss and communicate together. Haha, I personally think the easiest way is to use UnionPay’s UnionPay QuickPass APP

The advantages are as follows;

1. The bill is clear at a glance, and there is no need to check the bill from each company with one APP. .

2. Repayment is convenient. You can directly bind the card to the APP for repayment. No need to use Baoya or Xinya. The key is free and it will be updated in seconds.

If you want to learn knowledge, you can learn about 51 Credit Card Manager. There are too many softwares on the market, each with its own advantages. For peace of mind, I recommend these two. Let’s discuss and discuss. It’s my humble opinion.

You are showing off! This is a good tanning move!

I have so many credit cards that I am in a mess. How big of a customer do you think you have to be? Those who promote products, those who sell goods, those who act as experts, etc. are all attracted by you!

I won’t say anything! Contact me directly if possible! These things of yours are nothing!

Union QuickPass and Xinbao, personal experience, good