Can I also use credit cards to manage finances? The answer is yes. As long as you master the relevant regulations of bank credit cards, you can use credit cards reasonably for financial management.

First, you can make reasonable use of the credit card offers of various banks. Each bank will launch different consumption promotions for credit cards. For example, when you sign up for a card, you will get bonus for swiping your card, shopping discounts, points for free orders, cash back for swiping your card, etc. Everyone can apply for 2-3 co-branded credit cards with relevant discounts based on their actual situation, such as the supermarkets they frequently visit and the brands they frequently consume. At the same time, try to stagger the billing dates and repayment dates of different cards to improve the liquidity of funds. If there are too many cardholders, be sure to remember the repayment date and the number of card swipes required each year to avoid annual fees and interest.

The second is to make full use of the interest-free period for financial management, repay the loan in advance, and manage finances reasonably. Until the final repayment date, the funds can be used to invest in highly liquid financial products, such as monetary funds redeemed in real time on T+0, and you can fully enjoy the financial benefits. There are also monetary funds that have launched a credit card-bound repayment service. Investors can choose the date of deduction and the repayment will be automatically due without losing money for a day.

Third, credit cards are part of personal credit information. Don’t apply for a card easily, and don’t refuse to apply for a card because of how many credit cards you have applied for. The usage of each card can be reflected in the personal credit information. come out. If you apply for a credit card to enjoy a certain corporate discount, you must cancel it in time after the corporate discount ends or if you no longer intend to use the credit card. Just opening a card will incur an annual fee. Failure to repay the annual fee will also cause credit stains and have a negative impact on future loans to buy a house, etc.