Today I will share some tips on saving money with credit cards. Many people may not have thought of this. Credit cards can actually save money. Let’s take a look.

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

The longest interest-free period of a general credit card is 50 days. If you make reasonable use of this interest-free period, the interest on your credit card will be higher every time. It can bring a lot of income, and the interest is paid by the bank for you. You don’t need to pay a penny yourself. This is the first and most important trick to make good use of credit cards to save money.

2. Credit card rights of different banks

For example, with the i Platinum Credit Card of China CITIC Bank that I am using now, if I make 3 purchases of more than 299 yuan every month, I can enjoy one 3 times 9. Share the redemption rights. This rights can be used to redeem Starbucks, McDonald's, KFC, and some other benefits. The rights and interests of this credit card are different for different banks and different types of credit cards.

3. Some overseas-specific credit cards

For example, some time ago I applied for an overseas-specific credit card at Pudong Development Bank, called Pudong Development Bank American Platinum Express Upstart Card. This card is in Japan. You can enjoy a 50% discount on purchases at designated cooperative restaurants in Thailand and some Southeast Asian countries. The discount is very large. And the most important thing is that using this credit card to make overseas purchases is free of handling fees and currency conversion fees. For example, if you use When you use a domestic card to make purchases overseas, it will first convert it into U.S. dollars for you. If you spend money in Japan, it will convert U.S. dollars into Japanese yen. There will be currency conversion fees in the process.

4. High-end credit card rights

Many people actually ignore the rights of high-end credit cards. They think that high-end credit cards are only for wealthy people, and high-end credit cards are used to spend money. It's not something that makes money. In fact, many high-end credit cards include benefits that are much higher than their annual fees. For example, the annual free benefits of Shanghai Pudong Development Bank’s Platinum Express Card far exceed the annual fee of the card itself. For those in need, playing Great high-end credit card, you can save a lot of money every year.

Okay, I will share about credit cards here today. I hope this answer will be helpful to you!