A 31-year-old Shanghai man Li Wutong has become a star in the credit card field and is called the "Card God". As the CFO (Chief Financial Officer) of FamilyMart, his philosophy is to “let the bank ‘work’ for him.” The convenience and speed of credit cards in advance consumption have naturally become the experimental field for the “card god”. Li Wutong has applied for 8 credit cards, and all the family's daily expenses are paid from the credit cards. This not only solves his daily liquidity payment needs, but also saves his and his wife's wages for investment and financial management. Obtain a certain amount of income. In Li Wutong's view, financial management includes two levels of meaning: one is to manage one's own money, and the other is to use other people's (mainly banks) money to manage one's own finances. If you don't know how to use bank money, you don't know how to manage finances. When credit cards first entered China, due to the public’s lack of understanding of credit cards and the limited number of bank outlets and self-service outlets, the development of credit cards was restricted. Some people even believed that it would be difficult to change the Chinese people’s habit of holding cash. Credit cards in China The road is bound to be full of ups and downs. But after time has verified, credit cards have now become popular in my country's economically active cities. At the same time, they are also a must-have item in the hands of people with relatively strong spending power. People are increasingly able to accept the concept of advance consumption. In addition, they have also begun to enjoy this The concept brings consumption pleasure to cardholders. After the initial stage of popularization from unfamiliarity to familiarity, from having one card to having several cards per person, many cardholders no longer regard credit cards as rare items, nor do they "compete" in terms of quantity. Promotional activities in the name have also become resistant. The behavior of using credit cards for overdraft consumption has not changed, but the purpose has fundamentally changed. Some cardholders have used credit cards to make purchases and have turned their attention to financial management. Credit cards have turned into financial management tools for cardholders.

The overdraft consumption function of credit cards is the most attractive to cardholders, but it has also become a factor that prevents many people from using credit cards. When people with poor self-control get a credit card, they often swipe the card like crazy without considering their ability to repay. This is especially common among young people. But in fact, credit cards are not only a payment tool that encourages cardholders to have bad habits of overeating and overeating. It also helps cardholders develop good consumption habits and help cardholders manage their finances better.

With rising housing loans, rising prices and a series of consumption closely related to the people rising for a long time, "financial management" has become a focus issue in society. Whether it is three generations living under one roof or a family of three, financial management It has become the most important economic event for the family at the moment. It is precisely because of these external factors that mature credit card holders have seen the potential financial management functions of credit cards, especially in family finance. As long as they choose a credit card product that suits their family, they can get more overdraft limits. And with faster points, you can get more "gold" from your credit card. For example, Shanghai's "card god" gets benefits directly from the bank by consuming with a card. The gifts given during card opening and card swiping activities make people jealous: 3 electric kettles, 4 electric fans, 1 cordless phone, 1 radio, 1 handheld vacuum cleaner, 1 small stereo, 2 silk quilts... "Kashen" also plans to use more points to exchange for a bigger gift. Apart from these gifts, what is even more rare is that using a credit card for consumption will give you a clear breakdown of household expenditures every month, which will help the head of the family adjust the amount and structure of household consumption.

There may be many people who disdain the use of credit cards to manage family finances. They feel that it is not worthwhile to spend all their time and money just for some gifts and save a little money. In fact, using credit cards for financial management can be seen as the beginning of personal financial management, the cultivation of good habits, and a process of establishing a personal credit system. For example, many banks have launched personal credit loans without guarantees, but where does personal credit come from? The accumulation of bits and pieces and a good cycle are the components of personal credit. Therefore, starting financial management with a small credit card is simple, easy and rewarding. As long as you control the monthly repayment rhythm and choose your own credit card according to your needs, I believe every cardholder can become a "card god".