Credit card financial management guide to easily earn 20% net income

Some card friends always say that credit cards are only used for early consumption, and it is a lie to use them for financial management. Obviously there is no way to make money. . However, for the card gods, this is not the case. There are still ways to make money with credit cards. Here a card god will tell you how he earns tens of thousands of yuan a month by swiping credit cards.

The card god is very modest, saying that he is not particularly good at playing cards, but because he has accumulated a lot of experience in playing cards, over time, he has figured out a few tricks. Unexpectedly, the "income" from swiping credit cards is already tens of thousands. Here, the card god mainly shared four points of experience.

1. Redeem credit card points for broadband

Kashen accumulated more than 1,000 points by swiping Ping An Credit Card, and then redeemed products at Ping An Credit Card Points Mall-Ping An Wanli General Points, because he had already redeemed them before I've been there many times, so I have a lot of experience.

The main purpose is to exchange for broadband at home and mobile phone bills for the whole family, as well as monthly cards for McDonald’s and iQiyi. In the words of the card god, after all, it is fun without spending money.

In addition, the card god also exchanged 300 yuan for phone calls. There is also a balance of more than 1,000 in Ping An Wanli Tong. Although it is written as 1,145, there is still a fee for converting it into cash.

2. The expected annualized income of the funds in one and a half years is nearly 7,000 yuan.

The card god said that he has many cards, so each card has a quota of 30,000 to 60,000 yuan all year round. It varies from 10,000 yuan to 10,000 yuan. If the annualized expected return on investment is 10%, the expected annualized expected return in one and a half years is 6,750 yuan.

This can be said to be the most important way to make money if you have a monthly income of tens of thousands. However, you must remember to repay the loan after moving the bricks, otherwise you will be on the blacklist of the People's Bank of China's credit report. Dear readers, Be sure to pay attention.

3. Waiting to realize the expected annualized expected return

The card god still has 400 JD cards in his hand, but he is too lazy now and has not transferred them out, otherwise he can probably earn 40 yuan. left and right.

Coupled with the fact that Shanghai Pudong Development Bank still has traffic, if you choose to sell it for discount, it will be another small income.

4. Enjoy endless discounts on expected annualized expected income of consumption

Buy 8 yuan for 1 yuan at the bakery, and received more than 20 coupons

Convenience store 20 -10 Purchased 8-10 times

Exchange CITIC credit card points for Jingdong Steel_, exchanged for 20 yuan

Participated in Ping An Gou Ai three or four times on Wednesday, and enjoyed a 30% discount on phone bills

Although it is only small money, if you accumulate it, the money will come src=""/

How to make money with credit cards

If you want to make money with credit cards, just To make full use of the interest-free period, cardholders can enjoy the longest interest-free period when swiping their cards for consumption on the second day of the statement date. Generally, there are 50 days. Cardholders can use these 50 days to do some investment and financial management, and maybe they can get good returns. Generally, when cardholders make major purchases, it is more cost-effective to use the interest-free period for financial management.

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1. Annual fee. Competition in the bank credit card market is also fierce now. Most banks will reduce or reduce the total amount or number of card transactions and earn it in the form of handling fees. Credit card Credit Card Swiping Fees Credit card swiping fees will be deducted. This fee is mainly shared by the card issuing bank, UnionPay and the acquiring bank. The card issuing bank will charge between 0.36% and 0.48%, which is a huge benefit. Interest, overdue repayment will charge high interest, usually at 0.05%/day, with interest calculated on a daily basis and compound interest calculated on a monthly basis. Installment fee: When the cardholder repays the loan in installments, he or she will need to pay a certain installment fee. It is also the main way to make money. Other income, such as cash withdrawal fees, loss report fees, SMS function fees, etc.

2. Among the several key points of bank credit card income, the main source is: card swiping fees. Therefore, most cardholders want to keep their credit card limits stable or increase their limits. It must be that we swipe the card and the bank can get the benefits it deserves. It’s not that we can make money just by swiping cards at banks. The type of credit card swiping is important. For standard merchants who swipe their cards, the bank will earn fees normally. Credit card discounts are popular among public welfare merchants (that is, code skipping), and banks make less or no money at all. The current industry situation is to close self-selected merchants. The best thing is to match the merchant's schedule, swipe the card accurately to exit the merchant, prevent merchants from jumping randomly, and avoid bank risk control.

Simulate real consumption by swiping cards at diversified merchant types, improve the overall score of credit cards, and increase the credit card limit.

3. Users are the biggest resource. Every bank hopes to have as many resources as possible. In order to seize the credit card market, banks now have opened up card application rights to the outside world, which means that we can apply for cards through certain platforms and get commissions. As long as you have enough ability to sell more credit cards, there is no need to worry about making no money, and the commissions on credit cards are quite high, with the highest price being 500 yuan per card. As we all know, the function of a credit card is that you can overdraw part of the funds in advance for use. It is this part of the funds that has unlimited possibilities. Many people will choose to invest their credit card money and use their own money for daily consumption. As long as they have the ability to manage and invest money, they can choose to maintain a card first and then use the money for financial management. However, the risk of doing so is still relatively high, so it is best to act within your capabilities.

How to make money with a credit card?

It is possible to make money with credit cards. I personally feel that the best way is to earn subsidies and new platform rewards. The income is okay.

In order to quickly acquire users, many third-party payment companies will launch very strong subsidy activities. In the past, they provided subsidies for card swiping fees. Now that the market competition is fierce, subsidies are also increasing all the time. Cardholders’ Not only can you earn back the card swiping fees through subsidies, but you can also get more subsidies by swiping more and earning more.

If you find a good new platform, you can get tens to hundreds of subsidies for 10,000 turnovers. If you make 100,000 turnovers a month, you can also get thousands of subsidy benefits. Of course, the subsidies are definitely not unlimited. The platform also spends money on activities. Once the total subsidy is burned out, it will be gone. It is often first-come-first-served, and the more you spend, the more you get.

1. Earn points by swiping your card

2. Go bank shopping (many banks have activities, among which CITIC and Ping An I know are better ones)

3. Set it up and invest in financial management with an annual interest rate of about 4-5%

How to make money with a credit card? You need such a guide

With the popularity of credit cards, many people are accustomed to swiping credit cards when making purchases. In addition to allowing us to enjoy the convenience of early consumption, credit cards also hide the attribute of making money. If used well, they can add to our daily income.

1. Get good gifts when you apply for a card

Each bank has a task of issuing cards, so the competition between banks is very fierce. In order to attract new customers, they use various Activities that provide gifts when applying for a card, such as a big-brand trolley case for new households who apply for a card, or hundreds of yuan in credit card credits. Although generally each new household can only enjoy it once, it can be considered a small fortune when converted into cash value.

2. Use the interest-free period to revitalize your funds

The biggest advantage of a credit card is that you can enjoy the interest-free period. The longest interest-free period can be up to 56 days. Although you still have to pay by swiping your card to make a purchase. However, you can use the buffer period during this period to use the money to pay off the credit card to buy some short-term financial products to earn interest, and then repay the credit card when it expires. This is also a way to make money from money.

3. Make full use of credit card points

We usually use credit cards to accumulate points, which can then be used to redeem gifts and various coupons, such as sweeping robots, Starbucks coupons, etc. , although it may cost a lot of points, you can still save some money than buying it directly by yourself. By the way, points from many banks will be cleared, so you need to redeem them within the validity period to avoid wasting them.

4.

Cashback for overseas consumption

If you often spend abroad, you must remember to use a credit card that can provide cashback overseas, such as China Construction Bank’s visa card, etc. In fact, some banks are very generous in offering cash rebates for overseas purchases, some even as high as 15%. When eating, shopping, shopping, refueling, etc., make good use of the credit card in your hand to save yourself money.

How to use credit cards to make money

The methods of using credit cards to make money are as follows:

1. Participate in more activities of credit card banks. For example, you can earn enough money by spending at designated merchants. There are also activities such as discounts, discount coupons, and gifts for accumulated consumption.

2. Credit cards have a certain interest-free period. If you make a purchase one day after the bill date, you can enjoy up to 50 days of interest-free. You can make good use of this time to manage your finances and gain profits.

3. Use credit card points to redeem points. Credit cards generally have points after payment. Points can be exchanged for some airline miles, coupons, some platform memberships, commodities, etc.

For more information on how to use credit cards to make money, go to: View more content

How to use credit cards to make money?

1. Make good use of the interest-free period of credit

There is room for making money in the interest-free period of the past two months. Some cardholders will use special methods to increase the credit limit. Swipe out and invest in financial products with higher returns to earn short-term financial returns.

2. Participate in various activities

In order to spend money, banks will launch various activities, such as free card credit for any amount of overseas spending, free credit for any amount spent in a week, etc. People who play will choose to swipe their cards hard during the event.

3. Points can be redeemed for gifts

There are points for spending with bank cards. For those who are aggressive with credit cards, their points will rise quickly. It is not uncommon to have hundreds of thousands of points. , and points can be used to redeem corresponding physical gifts, air miles, services, etc. If the redeemed gifts are not used by oneself, they can be sold.

Five important points to note when swiping a card for consumption

1. Protect your identity document;

2. Keep the card out of sight when swiping the card, and do not let others do it for you. Swipe the card;

3. Do not use debit cards with large deposits casually, use credit cards as much as possible;

4. When entering the password, be careful to cover it with your hands to prevent others from prying. ;

5. Develop the habit of changing your password frequently, especially if you lose your mobile phone. You should change the password of the credit card bound to your mobile phone as soon as possible.

Pay attention to repaying the loan on time and in the prescribed amount

The "China Banking Industry Self-Discipline Convention" requires banks to provide "time tolerance" services to cardholders.

1. Tolerance: If the cardholder fails to repay the amount in the current period, and the unpaid portion of the account after the due repayment date is less than or equal to 10 yuan, it shall be deemed to have been repaid in full, and this part The outstanding amount is automatically transferred to the next bill.

2. Time limit: The card issuer provides cardholders with a certain period of repayment grace period, which is at least 3 days from the due date of repayment; when the cardholder repays within the repayment grace period, It should be regarded as repayment on time. Saturdays, Sundays and holidays are also grace periods.

What is the most cost-effective way to pay off a credit card?

1. If you hold more than two credit cards, it is recommended to separate the billing dates of each card. Whenever you make a purchase, you can choose the card with a longer interest-free period.

2. For some items that are not urgently needed or are valuable, postpone the purchase to a more cost-effective date to enjoy the interest-free period as much as possible.

3. Make good use of free reminder tools such as WeChat and Alipay to avoid overdue payments due to forgetting the repayment date.

4. Most credit cards have the function of modifying the statement date. It is recommended to ask the bank customer service to find out the number of modifications to your card.

That’s it for the introduction of credit card strategy to make money.