Recently, I summarized my experience of swiping multiple credit cards (debit cards). I believe that if you want to use multiple credit cards (debit cards), you must learn to use different cards for different consumption situations.

I said that most daily necessities are now bought online, which is convenient and can be delivered. Occasionally I will visit the supermarket to buy some cheap emergency items, or items such as cigarettes that cannot be purchased online. You can't buy things in online stores, so the amount of credit card swiped in supermarkets is not large, which is more suitable for card friends to accumulate the number of annual fee-free. With multiple credit cards (debit cards), it is often difficult to figure out which one is free. In order to meet the annual fee requirement, his method is to only swipe one card at the supermarket every month. After enough swiping times, you can change to the next one. This way, you will not forget to pay off too many cards when repaying the loan. If the repayment is overdue, there will be no annual fee.

He starts using the first card in the card pack, and changes to the second card after enough times. Usually by May/June, he has gone through the cycle, and then chooses a card that he likes. brush.

Now is the era of online shopping. For many people, online consumption is the largest, regardless of the amount or frequency of credit card swiping. Gonggong said that his current main shopping websites are Yihaodian, JD.com and Amazon. As long as possible, they all choose the credit card mode when the goods are delivered. That is, after receiving the express delivery, you can swipe the POS on the spot. The advantage is that at least the appearance of the express delivery will not be too big. damage, and you can also regret it temporarily, so you can save a lot of money by paying less. For example, I once bought a mobile phone card on impulse. When it was delivered the next day, I remembered that I already had two, and the other one was a complete waste, so I discussed with the courier to reject it. This will avoid the phenomenon of paying first and then getting a refund. Don't underestimate this. It is easy to cause overdue payment because the return payment does not count as the bill.

This kind of credit card (debit card) is mainly for online consumption with points. Remember, I only have CITIC i Platinum that counts points, so this is what is bound to third-party payment on many websites. Card.

Gonggong usually doesn’t use much cash. He swipes his card whenever he can. When he doesn’t have much cash, he uses a credit card (debit card) to withdraw cash from any ATM. Why not use a debit card, because you can withdraw cash from any bank’s ATM anytime, anywhere, and there are not many free debit cards.

The credit card (debit card) of choice in this regard is China Guangfa Card, because it offers free overpayment and cash withdrawal, regardless of bank or region. If you usually put tens of thousands of dollars on it, the loss of current interest will be almost negligible.

The credit card (debit card) forum credit card (debit card) information has a special guide for wool harvesting. There are various wool skills and activities introduced by the experts. I recommend that everyone has time to go to the wool version. Go shopping and see which credit card (debit card) offers are available, and if it's not too much trouble, just participate.

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