1. Daily consumption card: Improve the utilization rate of funds

It is purely used for daily consumption, and credit card is the most suitable card. With credit card consumption, banks often have preferential points or cooperative promotions with merchants. Consumers can apply for credit cards in combination with their own financial expenditures to improve the utilization rate of funds. Note: Don't deposit money in this card, because there is no interest on saving money by credit card; This card will be used to overdraw consumption and then pay back the money to the bank before the end of the interest-free period.

2. investment card: concentrate on investment and calculate the income

individuals or families can use this card to buy stocks, funds, bonds and other investment products. In life, many people make the salary card (discount) a bank-securities pass. Financial experts believe that it is not convenient to calculate the investment income, and it is easy to know whether each investment is earned or lost. Note: it is best not to carry the investment card with you.

3, fund accumulation card: collect funds "Qian Shengqian"

This card has two functions: one is to accumulate funds, and the other is to be responsible for transferring funds to investment cards and consumption cards and paying for the transfer of water, electricity, gas and mortgage. If bonuses and wages are paid in two banks, it is best to collect the funds on one fund accumulation card. Because banks carry out personal financial services, they generally have a capital threshold, and the funds are too scattered, so some banking services are difficult to enjoy. Attention should be paid to: the fund accumulation card must be provided with the function of automatic deposit of current account, so as to avoid interest loss and achieve "Qian Shengqian".