An important idea for making money with credit cards is to use the interest-free period of credit cards to earn income.

1. When using a credit card to make purchases, if the merchant’s POS machine has UnionPay’s standard 0.6 rate, then the bank will give the cardholder a certain number of points as a reward after each purchase.

2. Credit card points can be redeemed at the bank’s points mall, and can be redeemed for various items needed for daily life and various coupons.