Zhang Xiaoya's wage income belongs to the upper-middle level, and it used to be relatively moist. However, since I bought a car, I have to pay back a car loan of 3,5 yuan every month, and the monthly consumption expenses such as gasoline and maintenance are also expensive. Life is much tighter than before. Once, Zhang Xiaoya talked with a friend who works in a bank about this matter. The latter suggested that she go to the bank to handle three credit cards alternately, so that she could enjoy a small interest-free loan for 5 days, which greatly eased the pressure on car loans and daily consumption. Zhang Xiaoya has set up three credit cards with billing dates of 5th, 11th and end of each month. During the period from 6th to 12th of each month, you can get the longest interest-free period by swiping the card with the billing date of 5th first. During the period from 12th to 3th, the billing date is 11th. From 1st to 5th of every month, swipe the last card. As a result, the large monthly consumption can be decomposed into nearly three months.

reminder: although you use a credit card, you can enjoy the longest interest-free period if you start spending on the second day of the billing date. However, if there are more credit cards, the billing date will be easily confused. Therefore, in addition to reasonably grasping the consumption quota of each card, we should also make a detailed list, which not only keeps the bill diary of each card clear, but also lists the repayment date item by item, so as to avoid being penalized by the bank for delaying repayment. "Consume" on behalf of others and "generate" money with cards.

coup 2: Pay the bill by swiping the card, collect the money and cash it out directly

Every time a friend gets together, it is AA system, and Yao Meifang takes the initiative to ask for the bill when checking out. This is not because she is generous, but because she always swipes her credit card and her friends give her their money. In this way, Yao Meifang's credit card consumption points are increasing, and she can get many small gifts. Whenever a friend has a large shopping need, she will also take the initiative to accompany her, and also pay for her friend with her own card and then collect cash. In this regard, Yao Meifang is not without pride. However, there is a handling fee for withdrawing cash by credit card, but her method is not used at all, and she will still "borrow" money from the bank.

Reminder: Many people know how to enjoy the interest-free discount by using credit cards now, but not many people are as smart as Yao Meifang. Of course, it is not easy to "pay the bill" for friends as she did, so as to "borrow money" from the bank, because she is not always the protagonist in a friend's "cooking party", and she does not always have friends who need large amounts of money without credit cards, and some consumers can't get points, such as buying a car and building materials.

Coup 3: Earn the difference by indirect investment during the interest-free period

Chen Xiaoyan's financial management method is mainly to buy government bonds and funds. After getting a credit card, she found a new way to manage her finances by swiping it: after paying her salary every month, she set aside part of it for backup, and the rest of the money was used to buy money market funds, and her usual expenses were swiped as much as possible. She set the redemption date of the fund two days before the repayment date of the credit card, which is equivalent to using the money from the redeemed fund to repay the credit card. Although the current rate of return of money market funds is around 2%, it is still much higher than that of bank demand savings. On the day of fund redemption every month, Chen Xiaoyan will earn the difference between the two and obtain indirect "monetary" income.

Reminder: It is a good financial management skill to use the interest-free period to indirectly invest in funds with credit cards. However, investment funds, after all, have certain risks. When purchasing funds in this way, we must consider our own repayment ability to avoid being "fined" by banks because of insufficient repayment ability and overdraft exceeding the credit limit.

coup 4: swipe your card as many times as possible to increase the credit limit

Many people hope that their credit card limit can be larger, so that they have greater credit card authority in the process of consumption. However, it is understood that the credit card applied by ordinary white-collar workers often has a maximum overdraft of only 5, yuan. To this end, many cardholders have called the card bank twice to increase the quota, but banks often tell them that they cannot increase the quota on the grounds that "the frequency of swiping cards is not high enough". Therefore, if the majority of cardholders want to increase their credit card limit, they should use credit card to buy things in the future, unless they can't swipe their cards. Therefore, regardless of the amount, as long as they can swipe their cards, they should use credit cards frequently.

actually, to apply for a credit line from a bank, the bank must first judge whether you have this demand, first check your card usage, see if you are a new card user, check your consumption record, and then see if your credit line is really insufficient. It is naturally obvious that more frequent swiping will help to raise the amount, but you must remember that you should repay the money in time after swiping the card, and there should be no bad records such as default or payment of late fees and penalty interest.