As long as you spend money by credit card, you will get spending points, and you can give gifts of different values. What needs to be added is that the rebate for swiping the card is paid by the merchant, and the cardholder does not need to bear any additional expenses.
Not only can you not use your own money when spending, so that your own funds can generate more interest, but you can also overdraw cash when you are in urgent need to solve your urgent needs.
In addition to spending points, banks often carry out various lottery activities for credit card consumption, and perhaps inadvertently, the grand prize will fall on your head. In addition, various preferential activities emerge in an endless stream, such as sending insurance today, sending mobile phones, eating for free tomorrow, doing beauty treatments for free and so on. Plus the discount of special merchants, one card can enjoy multiple surprises.
With overdraft repayment, personal credit can be accumulated, which can not only reduce mortgage guarantee in future loan applications, but also enjoy unexpected surprises in future job hunting, promotion, starting a company and going abroad. With the continuous improvement of China's social credit system, personal credit will play an increasingly important role. The credit card is overdrawn today, and the credit union will be more comfortable tomorrow.
Benefits of obtaining a credit card:
1: Pay first and then pay back, and enjoy an interest-free repayment period of up to 56 days.
2. Accumulating personal credit records, using credit cards and timely repayment can improve your personal credit and get more convenience in the future or when buying a house.
3. Compared with cash, credit cards are easy to carry, and you can get points by swiping credit cards, which can be exchanged for a large number of gifts provided by banks.
4. After spending the credit card, you can pay the minimum monthly payment, so you can buy things with only 10000 yuan.
Some banks can pay in installments and pay back one thing in 24 months, so that they can spend more in advance and enjoy city life.