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

1. Why use a credit card?

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

2. You can accumulate personal credit. For "white letter users" who have no credit record in the Credit Information Center of the People's Bank of China, banks generally don't give credit easily. 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 the 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 loan 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 50% off food and watching movies for one yuan are very cost-effective and can save a lot of money.

Some credit cards are powerful and can facilitate daily life. For example, I set up an ETC credit card of ABC a few years ago, and the bank gave away a small machine called OBU for free, which was installed on the windshield of the car. You can take the ETC channel every time you get on or off the expressway, 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 after use.

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

Second, the use of skills

1. Make good use of interest-free repayment period. When spending a lot of money, swiping a credit card is especially cost-effective. 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 spend a lot of money, 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, which is full repayment. If you can't repay in full on or before the due date, the loan interest rate of credit card is very high. Minimum loan repayment interest rate 18.25%, with compound interest calculated monthly. The loan interest rate of credit card installment is generally above 14%. If you really borrow money by credit card, the cost is very high.

I have used the card for many years and only made two credit card installments. Once the Credit Card Center of China Merchants Bank held an activity, and I could send a backpack in installments. I calculated the installment cost, which was very cost-effective, so I staged it. Another time, the task of our bank is that every employee must pay by credit card installment. I have no choice but to make a second installment.

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

As long as the quota is not used up, you can brush it. How much is spent in a month and how much is left in the quota? There is no psychological concept. Accidentally took the credit card limit as his own money. Wait until the billing date, found that the bill is expensive, brush off a lot of money.

In my opinion, this is actually a marketing routine, which should be deliberately done by China Merchants Bank Credit Card Center, in order to let cardholders spend more credit cards. Adding available quotas to WeChat notifications is technically very simple. For example, the WeChat notification of ABC's credit card has an "available balance".

In order to control expenses, last year, I untied all the credit cards tied to WeChat and Alipay, and used the debit card money to make small daily 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. A few months later, I found that I spent less money every month than before.

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

You should return your credit card after you swipe it. Don't treat the credit card limit as your own money.

Finally, I ask you a question. Do you think using a credit card will cost you more money than not using it?

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 using credit cards.

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

All credit cards have an interest-free period of 20 to 50 days. If you swipe your credit card from the day you issue the bill, then we will have an interest-free period of more than 50 days. Basically, the longest interest-free period of each bank is similar.

I have three credit cards altogether. I adjusted the bills of three credit cards to 10, 20 and 30 respectively. When the bill 10 is issued, if I want to spend money in the next few days, I will use the credit card 10 immediately, and other credit cards will also use it, so that I can make the best use of my interest-free period.

2. Accumulate personal credit.

This is what I heard from my friend. Like most of us, we only use savings cards for daily deposits and have no other connection 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.

Credit card can be used in an emergency.

Credit cards can increase the limit as much as possible. This is a rule of thumb in case you need money badly. In this case, the credit card is a good emergency tool.

Before, a relative in my family was in urgent need of tens of thousands of dollars, and I didn't have that much cash at hand. Fortunately, I have a credit card, and several add up to 50,000 to 60,000. All three of them were maxed out, so I made a little money. When I paid back the money, the funds were enough.

There are many discounts on credit cards.

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. 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. Withdraw money from cash when using credit card to control consumption.

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

Prepare one first, that is, a temporary account, such as Alipay's balance treasure or WeChat's change pass. Whenever we spend a sum of money from the credit card, we will transfer the money from the 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 I can help you.

I have used my credit card for several years, and I haven't played any tricks. Tell me about my experience briefly.

Banks issue credit cards for consumption, so as long as they accept credit card payments, they all use credit cards, which can increase the credit limit, avoid annual fees and earn points.

I used to use my credit card for a period of time, and the bank informed me to withdraw the amount. I felt useless and gave up. As a result, I was in trouble when I wanted to mention it later. I applied several times in half a year to raise 20 thousand yuan, so don't miss the opportunity he gave you.

Credit card repayment is more convenient now, but you must set up an automatic repayment method in case you forget. I forgot to return it once, so I should contact customer service quickly to provide timely service, otherwise it will be in the credit record.

The interest-free period of credit cards is generally around 20-5 1 day, from the date of the last bill to the repayment date of the next month. For example, my bookkeeping date is the 2nd of each month, and the repayment date is the 22nd of each month. If I spend money at 65438+10.3, I will repay it on February 22. The interest-free period after the bill is the longest, so I usually recharge my gas card with a credit card before 10 every month.

If there is no money to repay the credit card on the repayment date, you can repay it by credit card. The premise is that your credit card limit is sufficient. For example, I have to repay 8000 yuan on the 22nd, but my salary has not been paid yet. If I don't want to borrow money, I will spend another 8,000 yuan on virtual shopping with my credit card before 22nd, and then pay it back. I'll pay this 8000 yuan back to my credit card and last month's bill. (For emergency use, don't brush the bill maliciously)

Credit card withdrawal fee is very high, generally 1%, which is not cost-effective. I didn't understand it at first. I took it once and remembered it. I will never use my credit card to withdraw cash again. Installments and the like, with high interest and handling fees, should be used as little as possible.

These are some basic experiences for your reference.

First, the definition of credit card.

Credit cards are credit certificates and vouchers issued by various commercial banks or companies that specialize in issuing credit cards to consumers who meet the credit requirements. Credit card holders can swipe their cards to shops with pos machines for shopping or consumption, or they can spend money in Internet shops. Finally, the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed amount, and interest-free for a certain period of time. Simply put, using a credit card is an overdraft consumption by borrowing cash in advance, which is also a kind of consumption. In the early years, it played a positive role in stimulating domestic demand and promoting economic growth.

Second, the positive factors of using credit cards.

Some customers can also use debit cards when they know that their income is enough for consumption. Why do they have to apply for a credit card and overdraw the credit card limit before they can spend? The first is the interest-free overdraft limit. Free interest-free cash advance, everyone thinks that interest-free transactions are like spending their own money. Generally, the interest-free date is calculated from the date of consumption until the date of repayment. If the repayment date stipulated by the bank is exceeded, interest will be charged. The longest interest-free day is 55 days and the shortest is 2 1 day. The second is the activities of banks and special merchants. In order to promote sales, many merchants cooperate with banks, and customers can discount or exchange points with credit cards. For example, many merchants will print the name of the designated bank credit card, and you can get the prescribed preferential policies with this credit card; The third is to accumulate credit. When many loan users apply for loans, banks will check their credit records. Users who have not had loans before, even if they have credit cards, are also an important credit reference standard. Making good use of credit cards will become a way to quickly approve loans.

Third, the use of credit cards skills.

First, timely repayment cannot affect credit. For example, when the bill comes at sunrise, customers can see the consumption details and total amount of the previous period at a glance. The repayment date must be remembered, and the overdraft amount must be paid off on or before the repayment date at the latest. Now the bank has stipulated the minimum repayment amount, and paying the minimum repayment amount will not affect the credit history.

Second, the biggest skill in using credit cards is how to make the interest-free period the longest. Customers who use credit cards generally want the interest-free period to be as long as possible. How can we maximize it? The longest interest-free period is the consumption on the day or the next day of the billing date, such as the personal use of ABC QQ credit card. The bill date is the 7th of every month, so you must confirm the bill before spending. You can check SMS, WeChat, email and regular mail. Once you come out, you can spend it on the same day. I'm not sure whether it's safer to come out or wait until the next day. In this case, the bill for this period will not come out until the 7th of next month, and the repayment date will be 1 of next month. For example, after the billing date of 65438+February 7th came out, the consumer continued to consume, and the bill was paid on February 7th, and the repayment date was February 1, for 55 days (65438+February 24th, interest-free, 65438+1October 3rd1day, for 55 days).

Third, credit cards can apply for deferred repayment when they are short of funds. The repayment date is coming, but you don't have enough money on hand, so you can apply to the bank for deferred repayment. The grace period for ordinary banks is 1-3 days. After calling the bank to explain the situation, it is not overdue and will not be recorded for credit.

Credit card is like a double-edged sword. If you can make good use of it, it will be of great benefit to your life financial management. If you don't use it well, you will fall into the pit you dug. Credit cards have the following functions:

1. Consume in advance and repay in installments. Suddenly my mobile phone broke down, and I wanted to spend 6000 yuan to buy a new mobile phone, but I didn't get the money. You can buy it by credit card first. When the salary is paid, it will be paid off in one lump sum or in installments.

2. Something unexpected happened and suddenly a sum of money was badly needed. If your family or yourself is ill, you need a sum of money urgently. You don't need to borrow relatives and friends. Credit cards are a timely help.

3. Overseas travel, overseas card swiping Almost all countries in the world can swipe their cards to avoid finding a place to exchange local currency.

4. Use 40-56 days of interest-free consumption funds for financial management. If you buy 654.38+million large consumer goods, there are 654.38+million cash and 654.38+million credit cards. You can swipe your credit card and deposit 65438+ 10,000 yuan in the bank for financial management. The annual interest rate is 3% for one month in 300 yuan.

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

6. Beware of excessive consumption. Irrational consumption leads to overdue credit cards. Many people can't afford their credit cards. Finally, they are heavily in debt, with daily interest of 1.5 million and annual interest of 18%.

Credit cards are issued by banks, not paper money transactions, which is convenient and fast. Every transaction is on the bill, which can be inquired at any time and has a certain interest-free period.

Why do some rich people like to use credit cards?

They will run several credit cards, play with the credit line, create more spare money and establish their own credit information. Because:

The credit card is: the back road!

Credit card is: the firewall of entrepreneurs!

Credit card is: a spare tire for successful people!

Credit card is: the specific medicine for the poor to turn over and get rich!

It's also interesting to say that very rich people are the targets of banks competing to issue credit cards, not those who are short of money. Banks will also make different grades of credit cards according to customers' economic level and wealth. Common cards are Puka, Gold Card, Platinum Card and Diamond Card.

Is the name getting louder and louder? In fact, not only the name is good, but also the cards are getting better and better. Diamond card is much more atmospheric than Puka. This is why some people who don't want to apply for a credit card have a bunch of credit cards, while some people who want to apply for one can't even do it.

First of all, it is more reassuring for banks to issue credit cards to the rich. Safety is the most important thing relative to income. If the capital is gone, what's the use of asking for that interest? Therefore, the most important thing for banks is to keep the principal, followed by earning interest.

Secondly, rich people know how to use resources better. It is good to use credit cards within a reasonable range. If rich people use credit cards reasonably, they can save their money and reinvest it; When the rich have no money, they dare to overdraw their credit cards if they want to do things well. Those who have no money are more cautious and don't want to spend tomorrow's money, fearing that the burden will be too heavy.

Thirdly, using credit cards is cost-effective and convenient. If you use a credit card, you can enjoy an interest-free period for a period of time. Since you want to buy things and spend money, why not make full use of it instead of spending your own money first? It is very cost-effective to buy large items with credit cards and repay them when they are due. Even if the money saved is put in the bank for the rest of its life, it can still earn some interest.

It also saves points and various consumption concessions, which is actually quite affordable. Needless to say, it is convenient to use a credit card. As long as you have a credit card to travel, you don't have to prepare much money, and you don't have to worry about not having enough money.

I focus on sharing financial content related to banks and close to life. Welcome to pay attention to Bowen Microfinance!

The era of 1 is changing. We have now entered an era of financial development, credit consumption and early consumption. Credit card consumption is a mode from traditional cash transaction to credit transaction, which is an improvement of business efficiency and convenience.

I think not only ordinary people, but also rich people have the habit of spending by credit card, especially on the basis of great pressure of life and limited cash flow, the mode of keeping cash flow turnover to the maximum extent without saving with their own funds and spending by credit card is also a way to revitalize their cash consumption.

It's just that the high income of the rich and their stable expectations for the future are all due to the maximum use of foreign funds to solve problems and their own financial management and preservation and appreciation as much as possible. With reasonable income and liabilities, families above the middle class allocate credit card consumption, on the one hand, enjoy convenience and preferential treatment, on the other hand, revitalize cash flow. Many people have also fallen into consumption desire, failed to control their credit card consumption at a reasonable level, and finally became slaves. Some people turn credit cards into cash consumption and management tools.

Making good use of credit cards can increase a person's credit. Poor use will lead to overdue, reduce personal credit in the bank, and directly affect your loan business in the bank in the future. Rich people like to use credit cards because they want to improve their bank credit. After all, they are all dealing with banks. And the poor don't like loans and debts, so they don't like to use credit cards!

The richer the credit card, the more people like to use it, and the fewer people dare to use it. I heard that credit cards were really scared before, and my first feeling was:

1 Spend as much money as you earn.

There is an annual fee for credit cards. Since there is an annual fee, it is unnecessary.

If it is overdue, it will be a penalty interest. If you go to the credit bureau, forget it!

Now, however, I think credit cards are:

1 Leverage personal leverage with credit assets.

The annual fee is nothing, and it can be reduced.

3. Enhance personal credit, Qian Shengqian.

In the past, I had to bring a lot of cash when I went out, and I might lose it. Now I can get my card. Credit cards have changed our payment methods. No matter how many thousands, tens of thousands or hundreds of thousands, just swipe my card.

Benefits of using a credit card:

1 Enhance personal credit

Gift 2 points

There is an interest-free period of 50-56 days.

4 Use before returning.

Different credit cards enjoy different rights and interests.

At the same time, credit cards are graded. The stronger the financial resources, the higher the credit card quota and the higher the rights enjoyed.

Credit is wealth!

This simple truth is the credit system. What kind of society is it now? Credit cooperatives have met, not local tyrants. People who don't owe money are not rich. Let's talk about someone, clouds and horses, who don't owe money. Many people who don't understand think that the money can't be spent, but it takes only a few minutes. Everyone who is an executive in a big company should know that sometimes crises are invisible.

Off topic, this is simple. You traded Puka for my gold card. Why? Identity gap. To put it more simply, I go to the bank to directly borrow 1 00000, and you can only borrow100000. Why? This is an analogy. The credit system is convenient for the rich, and nothing can be done without credit.

Many people think I have money, so why use a credit card? I can only say how much money do you have? Is it enough? You can't spend or earn money. You should contact the Bank of China. People who don't touch banks don't have much money. Ordinary people don't have credit cards or much money. 1800,000 is called money now? Not before. Rich people have to get along with banks in order to develop, and credit cards are the simplest.

The biggest difference between rich people and people who lack money lies in their different understanding of money. The rich tend to concentrate their small change as capital, so as to realize the consciousness of financial management. People who are short of money often look down on small money and think that it can do nothing. They have no habit of collecting, and they have no sense of financial management. Moreover, money has time value, and the richer people are, the more they understand this truth.

Therefore, there is a phenomenon that rich people use the interest-free period of credit cards to do their own things for free, and concentrate their change for financial management.

Of course, rich people prefer to use credit cards. Perhaps they are more familiar with financial common sense and want to cultivate good credit with credit cards.

Cognitive problems are even more terrible. People who have no money are trapped (I don't know)!

Because credit cards have an interest-free period of about one month, if they are used well, they will be stuck, and if they are not used well, they will be stuck.

Nowadays, more and more people like to use credit cards. What is the charm? Naturally, using credit cards has many advantages. I summed up the following benefits:

1. Accumulate personal credit records: If you spend a lot of credit cards and can repay them on time, you can improve your credit card limit and credit. With a good credit record, it is much easier to buy a house and a car with a loan.

2. Relatively safe: If you spend by credit card, you can bring less cash to avoid the loss caused by the theft or loss of cash. Even if the credit card is stolen or lost, it can be reported as soon as possible after it is discovered, so as to minimize the loss of money.

3. Less ingratitude: When money is tight and cash is needed to solve the urgent need, if you are embarrassed to borrow from friends and relatives and still owe others, it is a good choice to overdraw your credit card. The 60-day interest-free period is enough for you to pay back the money next month.

4. Save money: Now many credit cards cooperate with merchants to promote sales. Such as discount or cash back. In addition, credit card spending points can also be exchanged for some daily necessities, or lottery activities.

5. Relieve the economic pressure: If there is a certain repayment pressure due to large consumption, you can pay by credit card in installments and enjoy your favorite goods in advance. Of course, if you spend in advance, you should do what you can. If you pay by installment, you need to pay certain procedures.

6. Easy financial management: After the bill date, you will receive a detailed bill of consumption in the form of paper or email, from which you can clearly see your monthly consumption and expenditure. It is much more convenient than the cash consumption bookkeeping method.

7. Educate children's consumption awareness: you can apply for a supplementary card for your child, so that you can master his consumption financial situation and facilitate the education of his financial management and consumption awareness.

8. Extra benefits: Some credit cards can provide free car wash and trailer oil delivery, accident insurance, medical insurance, airport VIP lounge and mileage redemption.

Of course, the existence of credit cards is a double-edged sword. Convenient and timely, you need to control your desires and avoid blind consumption and excessive consumption.

Why do you need a credit card? These are the key points!

Although many people like to spend in advance, there are still many people who keep the good habit of spending within their own ability. So, is it unnecessary for these people to use credit cards? Today I will briefly talk about the reasons why I want to apply for a credit card. I really want to know.

First, why do you want to apply for a credit card?

1. just in case: it's hard to guarantee that you won't come for a while, it's more convenient if you have a credit card in your hand. Usually, you can use your credit card to eat, wear, live and entertain, and enjoy various discounts. In addition, as long as it is used reasonably, it can not only get an interest-free period of about 50~60 days, but also have no cost for normal repayment and no loss to users. Moreover, many banks are free of annual fees in the first year and XX cards in the second year.

2. Credit problem: not doing any credit business does not mean that you are a quality customer. This group of people are called "white households", and it is more difficult for white households to apply for car loans and mortgages in the future. After all, banks and financial institutions don't know how your repayment ability and personal credit are, and the hidden risks they need to bear are great, so they are likely to refuse to issue loans. For ordinary people, buying a house and buying a car is generally through a mortgage. If it is not approved because of the identity of a white household, it will be in trouble.

The above is the answer to the question "Why do you want to get a credit card?". I hope I can help you. Generally speaking, credit cards still play an important role in our daily consumption life and financial life, so you can give it a try when you are sure that you have the ability to repay.

Why does the bank staff want you to apply for a credit card?

There are four reasons.

First, issuing credit cards is one of the main assessment indicators of banks. Banking business mainly includes intermediary business such as taking deposits, issuing loans and fund settlement. In fact, credit card is the carrier for banks to issue small consumer loans, and it operates in the form of credit. In a certain interest-free period, cardholders can enjoy the loan return in the form of bank pre-loan. This not only meets the short-term demand of consumers for small funds, but also achieves the purpose of banks issuing loans through multiple channels and expanding the channels of interest sources, which is essentially a win-win situation. For banks, the credit card market is very attractive because of its low cost and high profit. The competition in the banking industry is becoming more and more fierce. Many banks have not only issued the target task of issuing cards, but also issued the target task of demand deposits and installment settlement.

Secondly, it is about task indicators. After receiving the task assigned by the superior, the business point must be decomposed and implemented step by step. At this time, when depositors handle business, tellers often recommend corresponding products according to customer conditions, which is also the requirement of the service system; Secondly, as a job, tellers must seize every possible opportunity to publicize to customers, so as to complete the work as soon as possible and avoid withholding wages and bonuses.

The third is related interests. According to the assessment system, each branch will reward and punish its subordinate branches, and finally the subordinate branches will reward and punish individuals, and sell credit cards with a quota of tens of dollars. This price is no different from the piece-rate wage in the factory workshop. This is not surprising because of the particularity of the banking industry.

Fourth, for cardholders, no matter whether they do it or not, there is no economic loss. People who love credit cards will definitely agree with the behavior of supporting teller marketing, because they know the benefits that credit cards bring to them, such as emergency funds, gift rewards, discounts and so on. Although the credit card has not been activated or spent, according to the credit card management regulations, ordinary credit cards do not generate annual fees. Special credit cards and credit cards with large credit lines, such as gold cards and platinum cards, generally have fixed annual fees. Whether it is activated or not, the number and amount of card swiping after activation can avoid paying the annual fee, but the marketing staff will inform it in advance. If you don't think it's suitable for you, you can totally refuse.

Many people think that credit cards have no annual fee and interest-free, so do it. In fact, there are many ways for banks to make money.

This is the end of the introduction about why someone wants a credit card and why someone wants a credit card. I wonder if you have found the information you need?