If you know more about credit cards, you will find that credit cards can bring at least four benefits.

There is a discount

In order to promote credit cards, many banks often offer preferential activities for credit card users, such as the discount for new credit card users of Bank of Communications, five-star red week, and 5% cash back of Guangfa Bank. In fact, many bank credit cards have similar activities. If money is always spent every month, why not pay by credit card? It may not save much once or twice, but it can save a lot over a long period of time.

Let me take the credit card activity of CITIC Bank as an example to see how much money you can save at one time.

This is called "9 points" redemption, which is a qualified consumption, and you can get the right to redeem goods with 9 points.

The threshold for getting 9 points at a time is not high. The simplest thing is that there are three purchases of more than 299 yuan in the month, which can be viewed in the dynamic space APP of CITIC Bank's credit card. Looking at the picture above, 40 yuan's consumption can be deducted by a maximum score of 9.

A few days ago, before the expiration, I specially changed my two 9-point rights.

Look at these, everyone. How much did I spend? A large Starbucks Frappuccino and a Pizza Hut set meal.

A large Starbucks drink 35 yuan, I changed it to an extra large one, added 3 yuan and a Pizza Hut lunch 43 yuan, so it was 8 1 yuan, but actually I only spent 16 yuan. If I only want a large Starbucks drink, I will exchange it with 9 cents, and I don't need to spend a penny. Pizza Hut chooses lunch in 30 yuan, and I will directly deduct 30 yuan with 9 cents without extra charge.

Is this a good deal? Almost every bank has such a discount. If you can use it well, you can save a lot of money!

Safer

Bank cards were not so popular in the past. When buying something bigger, I always use cash, and some use++cloth bags, which still feels very imposing. Who wants to do this now? It's just stupid. In this society, I don't know how many robberies will happen every day. The robbers are all looking for the target. Of course, few people have so much cash in their hands now.

No matter how much money, a card is enough, which is easier to keep than cash, especially in crowded places.

If you lose your bank card and have a password, you can call to report the loss immediately, but if you lose your cash, you will almost lose it.

Moreover, in order to protect the interests of customers, many bank credit cards have a limit guarantee 48 hours or 72 hours before reporting the loss, which means that if the credit card password is cracked, you still have a certain limit guarantee, and you don't need to repay this part of the money.

You can also log in to the credit card online banking and set the daily trading limit, which can avoid unnecessary losses in many ways.

gain time

The following scene is very common, especially on holidays, with long queues. In fact, a lot of time is spent looking for changes. Whether you are in front or behind, you are anxious! You are in the front, and the cashier will give you your change. You may not have that much change. People are crowding behind you, and people are urging you. Are you bored? Only then did I know the benefits of paying by bank card.

When you travel and buy many kinds of small things, it involves changing money. In this way, if time is particularly tight, paying by bank card can save a lot of time and there will be no mistakes!

Be able to manage money

The biggest feature of Ping An Easy Wallet Huayang Credit Card is the Internet plus credit card. However, it is nothing new that credit cards can make money. In April this year, the Bank of Communications credit card "edge lace earning" financial management function was officially launched, claiming that the credit card opened the "making money" mode. Customers of Bank of Communications credit card can enjoy the return of income far higher than the current savings rate as long as they log in to official website, bind the debit card of any bank and then bind the automatic repayment. At the same time, you can also enjoy the automatic repayment service of credit card due date, killing two birds with one stone in financial repayment. The "earning" function of the Bank of Communications credit card is also connected with the monetary fund. Putting idle funds on "earning" can earn much more income every day than current savings. By setting up automatic repayment, the proceeds can be used for credit card repayment. For some customers, wealth management income may "pay" credit card bills. Unlike Ping An Easy Wallet Huayang Credit Card, Bank of Communications Credit Card generally has a certain limit, and ordinary credit cards range from several thousand yuan to fifty thousand yuan. The function of "earning by lace" cannot determine the credit card limit of Bank of Communications. The limit of Huayang Credit Card is to "make your own decisions".

Now many bank loans have launched similar financial management functions. In fact, even without this function, we can make some extra money by making good use of credit cards.

Anyone who has used credit cards knows that credit cards have an interest-free period of 20-56 days, and we can make good use of this interest-free period to earn interest. In fact, it is very simple, that is, using a credit card. Because consumption always requires money, we will use credit card money to put our money on Yu 'ebao or a similar financial platform, and we can get some income during this interest-free period. When the income of Yu 'ebao was the highest before, if you put 1 10,000 yuan in it, you could get the income of 1.5-2 yuan every day. If you put 20,000 yuan for 50 days, you can get the profit of 150-200 yuan. Especially for those families who spend a lot of money every month, they can still pay a lot of money under the condition of ensuring the same monthly expenses.

This is just a way of thinking. Is there any other better or higher income way? I believe everyone can have the most suitable way to make full use of credit cards to earn extra income!

Where is the 50% discount on CCB credit cards?

Simply take Apple 12, ios 14 and Alipay version 10.2.3 as examples, and log on to the credit card website of CCB. In the search interface, you can see the card discount options, and then click to view the preferential activities of preferential merchants, and then click Query to view the preferential activities. Or pay attention to official WeChat account, official WeChat of China Construction Bank, click Longka Credit Card and click Super Smart menu to learn more about preferential activities and users. You can also log in to the mobile banking of China Construction Bank, select the popular credit card activity option, and inquire about preferential activities.

1. Activity rules

During the activity, each cardholder can only snap up one coupon for each brand in each natural month, and all brands that the cardholder participates in each natural month cannot buy more than two coupons. If this activity meets any conditions, including but not limited to the same equipment, the same registered mobile phone number, the same reserved mobile phone number of bank card, the same bank entity++,the same ID number, the same APP account number, etc. , will be regarded as the same cardholder. During the activity, if the payment fails due to insufficient card quota, abnormal card status, abnormal network and other reasons, the discount quota will be automatically released, and the cardholder can continue to snap up coupons after the release.

2. Advantages and disadvantages of CCB credit card

CCB Credit Card is a credit card issued by China Construction Bank. China Construction Bank has the lowest threshold among the four major banks in China, so choosing a credit card is very reliable and the success rate is relatively high. His advantages are many outlets, good service and no quota by stages. But correspondingly, he also has shortcomings, such as the application progress is super slow, if you are in a hurry, it will take more time, and he has no online progress query, which is very inconvenient.

China Construction Bank is a central enterprise, so its credibility is very high. At the same time, CCB also has many credit card preferential activities. If there is a demand for credit cards, it can be used as one of the first choices.

Where can I find credit card discount information? How do you usually find credit card discounts?

Pay attention to the official account of bank credit card WeChat and bind your own credit card; In addition, download the official bank credit card app on the mobile phone and register and log in; Or log in to official website, the bank's credit card center, to see its preferential activities.

Excuse me, where can I check the credit card promotion?

Credit card offers can be inquired through the following channels:

Credit card official website inquiry;

Mobile banking software query;

Pay attention to the official account inquiry of WeChat WeChat;

Banks often send text messages to remind them.

The introduction of credit card discount network and various credit card discounts ends here. I wonder if you found the information you need from it?