of course!

At one time, a good credit card operation was equivalent to an interest-free loan from a bank.

For example, if your credit card limit is 1, yuan, it is equivalent to borrowing 5, yuan from the bank. As long as the credit card is not cancelled and the limit is not reduced, it is equivalent to a permanent loan without interest.

In the past, the operation mode was very simple. You only need to register two Taobao accounts. One account sells some virtual second-hand items. After the billing date of the credit card, you can use the other account to purchase and pay with the credit card. Then you can use the money in the credit card to pay Alipay, and Alipay can repay.

wait until the next bill, and then repeat this operation, which is safe and free of charge.

Unfortunately, since Ali launched a special second-hand platform, Idle Fish, there will be a 1% handling fee for credit card payment, and the free mode will end.

However, the method of paying 5% and paying back the remaining 5% when repayment is made still exists.

there are roughly two kinds of such operations in the market, namely, hand-brushing pos machines and online credit card repayment of app. But no matter what kind, you need to pay a certain handling fee, which is generally above .6%.

some people say that this is an illegal operation and there is a risk of being blocked.

but in fact, many people are using it at present, and the attitude of banks is ambiguous.

because, if the bank gives you the credit card limit, it is for your consumption, so you can use it at will, as long as it is not overdue and the card is used reasonably, so that the bank can make money, it doesn't matter how you use it.

Therefore, it is completely possible to get a credit card, swipe 5% and pay back the remaining 5% for unlimited recycling. This is a rational use of bank funds, as long as you pay attention to the billing date and repayment date, and then repay it on time.

of course, I advise you to use credit cards, and don't use them beyond your ability, or you will get into more and more trouble. In case you can't repay in time due to financial constraints, you can find a rich credit card loan to help you solve your urgent needs.