First, to establish a good credit record credit card is to use credit as a tool to reflect value. Only if you have a good credit record will the bank be willing to issue you a credit card. Consumption status and repayment records are important references for banks to evaluate credit, and they have good credit records. In the future, banks will add points according to the good record of credit cards, whether it is mortgage, car loan or personal business loan. Second, the flexible use of revolving credit is also a short-term loan, which can be repaid as you borrow it, without guarantee, and it is more flexible in application. If you encounter good investment opportunities, but the available cash is limited, you can consider using revolving credit to pay for consumption. However, it should be noted that the return on investment is higher than the daily interest rate of revolving credit, so as to avoid drawing water with a sieve. Third, the personal income and expenditure management record keeps the monthly bill of the credit card for sorting out, because the monthly bill will list the name, date and amount of the consumer goods. When these bills are accumulated, look at what you have spent, make an analysis and review, and you can have an overall understanding of your consumption patterns, thus reducing waste in the future. Fourth, flexible personal microfinance wants to buy a DV or notebook to treat yourself. If you don't have that much cash, it doesn't seem good to borrow it from friends. At this time, the revolving credit of credit cards can be helpful by raising the limit in the short term. You don't need a guarantee, you can borrow it and pay it back, or you can apply for a temporary increase in the credit line when there is a temporary demand, which is equivalent to a personal microfinance. You can buy what you want first and then pay it back every month. This flexible financial management method allows you to enjoy life easily.

Credit cards have spread rapidly, and people have as few as one or two in their wallets as five or six. Most consumers don't understand the connotation of credit card "credit consumption", but only regard it as a cash substitute tool. In fact, in addition to the simple overdraft function, credit cards can also help cardholders save money and make money when used well. Small e hint

First, buy funds skillfully

After receiving your salary, don't rush to repay or deposit in the bank, but buy money market funds and then spend all your credit cards during the interest-free period. Wait until two days before the end of the interest-free period of the credit card before redeeming the money market fund for repayment. And now some banks cooperate with fund companies, and money market funds can set a fixed date for automatic redemption and transfer them to credit card repayment accounts.

Second, brush more and integrate more.

Some professionals have a lot of business activities. When they go out, they only carry a small amount of cash with them for emergencies or in places where they can't swipe their cards. When shopping or eating, they swipe their cards. Especially on business trips, such as air tickets and accommodation fees, are settled by credit cards. At the same time, it is simple and quick to accumulate tens of thousands of points, and after returning for reimbursement, I have another cash flow at hand.

Third, financial accounting.

For many people who have no bookkeeping habits, cash consumption means unclear accounts. After using a credit card, the monthly credit card statement will list the date, store and amount of consumption at a glance, and then check with the documents saved in your daily consumption, sort out and analyze them, and accumulate for a period of time to have a basic understanding of your consumption pattern, so as to make rational consumption and reduce waste.

Four. working capital

In addition, the flexible use of credit card revolving credit can also help you solve the urgent need for funds in the early stage of your business. For example, small business owners, with their own funds as deposits, constantly advance to manufacturers, often need a little cash for entertainment in their daily business development. Want to borrow a loan, find a friend to borrow, it is difficult to repay on time. If you apply for credit cards from several banks and use different deadlines to extend the repayment period, you can solve the problem of temporary capital turnover.