2. Cardholders can apply for a debit card and an overdraft credit card in the same bank, and then leave a small amount of emergency cash in their monthly salary, deposit it all in the debit card and buy it all into a money fund.
3. All daily consumption is overdrawn by credit card. When investors receive the credit card bill every month, they can redeem the corresponding amount of funds two days before the due repayment date.
Because of its low risk, quick realization and no handling fee, the money fund can not only ensure the cardholder to repay in time before the overdraft expires, but also enable the cardholder to obtain the income higher than the interest of the bank demand deposit.