Why use a credit card? What skills do you have to use?

I have used credit cards for several years, and now I have several credit cards with me, so now I will share some tips on how to use credit cards.

1. Make good use of the interest-free period of credit cards.

all credit cards have an interest-free period of 2 to 5 days. If we swipe our credit card from the day we issue the bill, then we will have an interest-free period of more than 5 days. Basically, the maximum interest-free period of each bank is similar.

I have three credit cards, and I adjust the bills of the three credit cards on the 1th, 2th and 3th respectively. When the bill is issued on the 1th, if I want to spend money in the next few days, I will use the credit card issued on the 1th immediately, and so will other credit cards, so that I can use my interest-free period to the maximum.

2. accumulate personal credit.

This is what I heard from a friend. Like most of us, we only use savings cards for daily deposits and have no other contact with banks. Then the bank doesn't have a good evaluation of our credit, which will easily lead to that when we need a loan to buy a car or a house, it will not be so smooth.

3. Credit cards can be used for emergencies.

when you can raise the credit card amount, try to raise it as much as possible. This is a rule of thumb, in case you need money badly. In this case, a credit card is a good emergency tool.

Before, a relative in my family was in urgent need of tens of thousands of money, but I didn't have that much cash at hand. Fortunately, I had a credit card, and several of them added up to 5, to 6,. All three of them were maxed out, and I made up a little money. By the time I paid back the money, the money was enough.

4. There are many discounts on the credit card

This is more convenient for friends who like to eat out and travel. There are many coupons on it, which can also save some money.

I have a classmate who always likes to eat out, and he has a credit card. Sometimes coupons can only be used by one person, which happens to be mine. He asked me to exchange coupons for him many times, which saved him a lot of money every time.

5. When using a credit card, draw money from cash to control consumption

Because credit cards have a limit, and the credit card limit is still relatively large, it is easy to spend without restraint. Here, I will introduce a good method to you.

let's prepare one first, that is, a temporary account, such as Alipay's Yu 'ebao or WeChat's change pass. Whenever we spend a sum of money from the credit card, we will transfer the money from our savings card or WeChat to this temporary account, so that we can clearly know how much money we have spent, and it will not be so easy to overspend.

the above is my experience in using credit cards, and I hope it can help everyone.

hello, everyone! I have worked in a bank for a long time and have many years of experience in using credit cards. Next, I would like to share with you some of my knowledge and experience in using credit cards.

1. Why use a credit card?

1. Credit card is the only debt instrument with a long interest-free period, which has high use value. This is not available in any other loan varieties. This means that for a period of time, we can spend the bank's money for free and do our own thing. When money is tight, you can also use a credit card to tide over the difficulties without paying interest.

2. Personal credit can be accumulated. For "white credit households" who have no credit records in the Credit Information Center of the People's Bank of China, banks generally do not easily grant credit. Even if credit is granted, the loan amount will be very low, and there will be no preferential loan interest rate. Young people who have just left society can accumulate personal credit by using credit cards to repay on time, laying the foundation for applying for mortgage, car loan and low-interest credit loans in the future.

3. You can accumulate points and participate in preferential activities. With a credit card, you can accumulate points and redeem gifts or rights. In order to seize the market and protect customers, credit card centers of various banks have launched many preferential activities. Some activities are very strong. Activities such as 5% off food and one yuan to watch movies are very cost-effective and can save a lot of money.

4. Some credit cards are powerful and can facilitate daily life. For example, I set up an ETC credit card of Agricultural Bank a few years ago, and the bank gave a small machine called OBU free of charge, which was installed on the front windshield of the car. Every time I get on and off the expressway, I can take the ETC channel, which is very convenient and saves a lot of queuing time. Compared with ordinary ETC cards, ETC credit cards don't need to be recharged in advance, just remember to repay them after use.

As a modern financial tool, credit card can facilitate our life if used correctly. Next, I'll tell you three tips.

second, the use skills

1. Make good use of the interest-free repayment period. When spending a lot of money, it is especially cost-effective to swipe a credit card. Because during the interest-free period, we can deposit a large sum of money originally used for consumption in the bank to earn interest, or buy a short-term wealth management product. I suggest you get 2-3 credit cards. When you have a large amount of consumption, calculate which card has the longest interest-free repayment period, and then swipe which card.

2. Try to repay in full. There is a prerequisite for enjoying the interest-free repayment period, that is, full repayment. If the full repayment cannot be made on or before the due repayment date, the loan interest rate of the credit card is very high. The minimum repayment loan interest rate is 18.25%, and the compound interest will be calculated on a monthly basis. The loan interest rate of credit card installment is generally above 14%. If you really use a credit card to borrow money, the cost is very high.

I have used the card for many years, and I have only conducted credit card staging twice. Once, I held an activity in China Merchants Bank Credit Card Center, and I could send a backpack by staging. I calculated the staging cost, which was very cost-effective, so I conducted staging. Another time, it was our bank's task that every employee had to make a credit card installment. I had no choice but to make a second installment.

3. Pay attention to your credit card psychology and the bank's marketing routine, and never take the credit card limit as your own money. Take myself as an example. I used to use China Merchants Bank's credit card. After swiping the card, China Merchants Bank's WeChat notification will only tell me the transaction amount, but not the remaining amount.

as long as the limit is not used up, you can swipe it. How much is spent in a month, how much is left in the quota, and there is no concept in psychology. Accidentally, I took the credit card limit as my own money. Wait until the billing date, I found that the bill was expensive and I brushed off a lot of money.

in my opinion, this is actually a marketing routine, which should be done by the Credit Card Center of China Merchants Bank on purpose, in order to make cardholders spend more credit cards. Adding an available quota to the WeChat notification is technically very simple. For example, the WeChat notification of the Agricultural Bank of China credit card has an "available balance".

last year, in order to control expenses, I untied all the credit cards bound in WeChat and Alipay, and used debit card money for daily small expenses. After each consumption, the balance can be seen in the WeChat notification of the debit card. Seeing that the money on the card is getting less and less, I will save some money. After a few months, I found that I spent less money every month than before.

You can also observe your psychological changes. If you are like me, I suggest that you use a debit card instead of daily sporadic expenses. Use a credit card when you spend a lot of money or you can enjoy a discount by swiping a credit card.

You have to pay back your credit card after you swipe it. Never take the credit card limit as your own money.

Finally, let me ask you a question. Do you think using a credit card will make you spend more money than not using it?

I've used my credit card for several years, and I haven't played any tricks. Let's briefly talk about my experience.

1. You can use a credit card when shopping.

When a bank issues a credit card, it means spending money. Therefore, as long as you accept credit card payment, you can use a credit card to increase the amount, avoid the annual fee and earn points.

2. Be sure to mention it when telling you to withdraw the amount

In the past, after I used my credit card for a period of time, the bank told me to withdraw the amount, but I thought it was useless and gave up. As a result, I was in trouble when I wanted to mention it later. I applied for it several times in half a year before I raised 2 thousand yuan, so don't miss the opportunity he gave you.

3. Set at least one automatic repayment method

Credit card repayment is more convenient now, but you must set an automatic repayment method, in case you forget it, it will not become a breach of promise. Once I forgot to return it, so I should contact customer service quickly, so as to have a time-sensitive service, otherwise it would be in the credit record.

4. Make good use of the interest-free period of credit cards

The interest-free period of credit cards is generally about 2-51 days, from the date of the last bill to the repayment date of the next month. For example, my billing date is the 2nd of each month, and the repayment date is the 22nd of each month. If I spend money on January 3rd, I will repay it on February 22nd. The interest-free period after the bill is the longest, so I usually recharge my gas card with a credit card before the 1th of each month.

5. You can use a credit card for emergency repayment

If you have no money to repay the credit card on the repayment date, you can use a credit card for repayment. The premise is that your credit card limit is enough. For example, I have to repay 8, yuan on the 22nd, but my salary hasn't been paid yet. If I don't want to borrow money, I will swipe another 8, yuan virtual shopping with my credit card before the 22nd, and then I will return it. I will return the 8, yuan to my credit card and pay back last month's bill. (For emergency use, don't brush the bill maliciously)

6. Try not to withdraw cash by credit card

The handling fee for withdrawing cash by credit card is very high, generally 1%, which is very uneconomical. I didn't understand it at first. I took it once and remembered it. I will never use a credit card to withdraw cash again. Installment payments and the like, interest and handling fees are also very high, so use them as little as possible.

the above are some basic experiences for your reference.

In modern society, everyone has several credit cards to some extent, and credit cards play a very important role in modern times. Credit cards not only store money for us in our daily life, but also accumulate credit for us, and also accumulate points to buy some daily necessities. In our life, "although the credit card is only a small figure, it still plays a great role." Today, let's talk about why people choose to use credit cards and what skills credit cards have.

First, the past life of credit cards

Although credit cards are the product of recent economic development, credit cards were first issued in the United States in 1915. At that time, Americans could only make a living on credit because of poverty. Now Americans still continue the habit of "credit". Now Americans like to enjoy life ahead of time. Therefore, most Americans still rely on debt to maintain their lives.

so how did the credit card come into being? Credit card was invented by a man named Frank McNamara. Frank McNamara is an American salesman. One day, a guest found that he had forgotten his wallet after eating and had to call his wife. Let his wife bring cash to settle the bill. This experience gave him the idea of starting a company.

So, in the spring of 195, he invested with his partners to establish the first credit card company-Diners Club. In 1951, the first modern credit card was born-Dinka came out. In the second year, many banks began to issue credit cards. Since then, credit cards have become popular all over the world and are still in an important position. Now people still like to use credit cards to settle accounts.

Second, why do people like to use credit cards

Credit cards can accumulate personal credit; You can enjoy more rights and interests of credit cards; A large credit card is a status symbol. Credit cards have so many functions that people like to use them very much.

Credit cards can accumulate personal credit for us. The application and use of credit cards can be shown in the personal credit report. It is easier to apply for credit cards than to apply for loans. After spending money by credit card every month, we pay back on time every month, so the personal credit accumulation will accumulate quickly.

when we open a credit card, we can enjoy many benefits in it. Some rich people will choose to open some large credit cards, such as platinum cards and diamond cards. These large credit card holders bring many conveniences, for example, they can easily handle VIP services at the airport, and they can enjoy high insurance benefits and hospital treatment rights.

Finally, large credit cards also have status and status symbols. Not everyone can apply for a credit card. Applying for a credit card requires a certain economic strength and social status. The bank will classify each user according to his/her economic ability and purchasing power.

3. Skills of using credit cards

First of all, I will introduce you to credit card shopping discounts. We can use the discount offered by the credit card issuing bank to go shopping in the mall, and we will get a certain discount.

Secondly, if we buy large items and we are short of funds, we can use the installment payment in the credit card to settle the account, thus eliminating the embarrassing situation of insufficient cash.

finally, we can make small short-term loans with credit cards, which is an effective way to alleviate our urgent need for cash to solve some practical problems.

to sum up, credit cards have always played a very important role in our daily life. We can't live without credit cards in life. Credit cards do bring us a lot of convenience. Therefore, people will like to use credit cards. We also need to know something about the skills of using credit cards. One of the skills that is most closely related to our life is that we can get many discounts by using credit cards to go to shopping malls. If we are short of cash at the time of checkout, we can also use credit cards to pay by installments. These are all the conveniences brought by credit cards. In the future, credit cards will provide more convenience for more people and will be a payment method that people will continue to use.

A credit card is like a double-edged knife. If you can use it properly, it will help you manage your life. If you don't use it properly, you will fall into the hole you dug. Credit cards have the following functions:

1. Pay in advance and repay in installments. Suddenly, my mobile phone broke down, and I wanted to buy a new mobile phone for 6 yuan, but I didn't get paid. You can swipe your credit card and buy it first. When the salary is paid, it will be paid off in one lump sum or in installments.

2. something unexpected happens, and a sum of money is suddenly needed urgently. If your family or yourself is sick, you need a sum of money urgently. You don't need to borrow relatives and friends, and a credit card is a timely help.

3. Overseas travel, overseas credit card swiping Almost all countries in the world can swipe their credit cards, so as to avoid finding no place to exchange local currency.

4. Use interest-free consumption funds for 4-56 days for financial management. If you buy 1, large consumer goods, you have 1, cash and 1, credit cards. You can swipe your credit card and deposit 1 thousand in the bank for financial management. The annual rate is 3%, and you get 3 yuan a month.

5. Credit card shopping discounts include physical shopping malls and online shopping, all of which have different discounts.

6. Be cautious about excessive consumption. Irrational consumption causes credit cards to be overdue. Many people can't afford their credit cards, and finally they are heavily in debt, with an interest of 15, yuan per day and an annual interest of 18%.

First of all, Jin Kujun thinks that young people should have one or two credit cards in today's society.

First, most young people are moonlight people, and they can't save money. Once they meet an urgent need to use money, they will be very embarrassed. At this time, if you have a credit card, you can solve the urgent need and you won't be indebted.

second, credit cards have many benefits and benefits. For example, points are exchanged for mileage, meals are fully reduced, etc. Some high-end cards also have high-speed rail VIP rooms and free roads.