Experience in using credit cards

As an indispensable personal financial tool for contemporary people, credit cards are popular among contemporary young people because of their advantages of being faster and easier, the longest interest-free period of 5 days, and low long-term interest. I remember that the first credit card I applied for was the Taobao card of Ping An Bank. At that time, Taobao just started to buy things. With curiosity about new things, I used the 5-day interest-free cycle of the credit card to buy necessities of life. My salary can be saved as planned, which is equivalent to managing my money 5 days in advance and enjoying the wealth management benefits. I will repay it next month and reserve the living expenses for the next month. In this way, my salary will be deposited intact every one month, so that I can effectively bid farewell to the moonlight family.

I remember that in 215, I bought the first suite and needed to decorate it. At that time, I thought it was hard to save some money, so I had better not move. At the same time, I thought that the monthly expenses were also high, so I paid the decoration money with the money in my credit card, and then repaid it in installments, which effectively reduced the pressure on life and kept the original financial income, killing two birds with one stone!