First, make full use of the interest-free period

The free period of a credit card is generally 2-5 days, which is actually related to the consumption time. As we all know, a credit card has a billing date and a repayment date, and the repayment date is often 2 days after the billing date.

Suppose that the billing date of a credit card is 8 days and the repayment date is 28 days. If we catch up with the consumption in a few days after the billing date, for example, Therefore, repayment is required on the 28th of this month, which means that the exemption period is only 22 days. If you spend money on the 9th, the bill will be recorded on the 8th of next month, and the repayment date will be the 28th of next month, and the exemption period can reach 5 days.

The method of long exemption period is simple: spend money on or after the accounting day, as close as possible. If you manage assets during the free period, such as spending 3, yuan, pay by credit card. During this period, the funds used for consumption can be invested first, with an annualized return of 7.3%, and the 5-day return is 3 yuan. Now many platforms can provide low-risk cash management products as cash management before credit card repayment, and some of them have a return rate of more than 6%.

Second, when using supplementary cards skillfully to handle credit cards, you can also handle calling cards for your immediate family members, and the number of calling cards is generally 1-3. Parents can apply for supplementary cards for their children when they study abroad, which is convenient for children to consume and supervise. It is also a good way to supervise their spouses, and it is a good way to respect the elderly to apply for supplementary cards for their parents. Generally speaking, the value-added services enjoyed by the main card and the supplementary card are the same, but it should be noted that the amount of the main card and the supplementary card is * * *, that is, the main card is used more and the amount of the supplementary card can be lent less. Fully enjoy the value-added services of credit cards

Credit card payment has a powerful function, and now the number of people who use credit cards is increasing. For banks, of course, they want to divide soup in the consumption stage, so they have no spare capacity to promote credit cards. In order to stimulate customers' consumption, banks provide many feedback mechanisms, mainly providing rich value-added services, covering more direct methods such as travel, hotel accommodation, fitness, medical care, shopping and insurance. It's not a simple exchange of points for gifts.

The value-added services of different banks vary greatly: some are better than Haitao, and the return rate of overseas consumption of Haitao online reaches 1%, while others are better than fitness, such as the unlimited card of a state-owned bank, and the bank credit card that can use the five-star hotel gym for free five times a month is better than shopping in the supermarket.

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