Premise: This article is suitable for people who do not have a high annual income and do not want to open a credit card with a rigid annual fee.

There are many different types of wool rights. For example:

Fitness (five-star hotel fitness, golf - 36 1 sports rights of CITIC high-end cards, etc.)

Medical treatment (dental cleaning (China Merchants Bank Classic White), expert registration, Physical examination)

Entertainment (movies, show tickets)

Food (discounts at restaurants)

Shopping (online and offline, domestic and overseas)

Airport (VIP, cip)

Car (refueling, rescue, car wash)

When we are doing reading comprehension, we will be asked about "the author's intention".

When we use credit cards, we should also think about the bank’s intentions. Of course they want to make money, and the way to make money is to hope that you can spend more. The way we spend more money is to "change from luxury to frugality" - when we realize the benefits of upgrading consumption, we will realize that there are still these items that we can buy, and then we will get out of hand.

1. Save. You know, for most people, a credit card itself cannot help you make money. It basically can only make you more affordable when purchasing benefits (usually non-basic expenses). So when you see a benefit, first ask yourself whether you need it or not. If not, just pass it.

2. Streamline. Since there are so many different types of cards, it is very easy to forget to repay, especially forget to make enough purchases and the annual fee will be deducted, so that a computer is required to record it. Therefore, we must first streamline the rights and interests and give up those dispensable rights and interests. Secondly, the number of cards and banks must also be streamlined.

3. Diligence. Wool is usually short-lived, so opportunities need to be seized quickly.

But we first need to tell ourselves that there is no free lunch in the world - the wool comes from the sheep.

With this belief, let us analyze whether we need this kind of rights.

a. If you need this kind of rights and interests, you can enter this pit;

b. If you don’t need this kind of rights and interests, it depends on whether it is easy to grab. If it is difficult to grab, don't join the trap. If there is no limit on quota or it is very easy to grab -

b1. If the rights are easy to transfer and can make money, you can consider joining the trap;

b2. If this right is not easy to transfer, but it is still relatively affordable, and you are willing to enjoy this kind of consumption upgrade, you can enter the trap as appropriate;

b3. If this right is not easy to transfer and the price/performance ratio is not good If it is high, you can avoid falling into the pit.

I think to judge whether an equity is worth it, you can roughly estimate how much you are willing to spend to buy it.

For those whose monthly consumption is too small, there is no way to get too many points without using the "chicken farm" method. For them, rights are far more important than points.

For those who do not exchange points for miles, points are not very valuable. The points are basically around 500-1000:1 to redeem for other things.

If the points are not enough to redeem the annual fee, you may want to consider canceling the card. It means that this card may not really be suitable for you...unless the benefits provided are strictly needed.

I currently have: Pudong Development Bank (UnionPay, Youth Card, jcb, visa) and Bank of China (visa and jcb).

My consumption habits: Online payment accounts for more than 50%.

The rights I need now:

Shopping (overseas shopping, online shopping), medical care (dental cleaning, registration), food (for dinner parties), cars (refueling, car washing).

The visual value is 100, 500, 100, 300.

Rights and interests abandoned:

Fitness (no corresponding outlets),

Entertainment (at least not needed this year),

Airport (going out) The number of times is too few and jcb is enough).

Regarding these items, I have made a few todolists:

Instead of overseas shopping this year (but you must learn this skill), first go to the supermarket to buy facial masks and use up all the cosmetics stocks.

Give up medical rights and do not apply for China Merchants Bank for the time being.

Pufa Food was not covered, and BOC Food was not checked in time. You should continue to check out BOC Food.

Car refueling and car washing: the most important at the moment. Prepare to buy Minsheng in card and Minsheng gas card. 1 card in card 2 trucks white. It is not easy for people who can consume 30,000 yuan a year.

My grass planting card:

1. Minsheng in card Minsheng gas card. 1 card in card 2 trucks white. Solve the refueling problem.

2.AE White, the annual fee is equivalent to 1,000. The current god card. I wonder if I should apply.

3. Agricultural Bank of China essence white. Ask the local bank how many bricks are needed.

4. My weed card: Bank of Communications is completely abolished, goodbye.

Wool that I personally think is more worthwhile

China Starbuck. Just use the Huaxia card. Aunt Lan said that all Huaxia cards only have Alipay points. Check what kind of cards have points for online payment.

My wool todo record

Withdraw traffic from Pudong Development Bank before 0423

50 ICBC coupons before 0430

This is the 2017 account of Xiao Qing Sing Article 12

Category: Hobbies

2017.3.23