Nowadays, as a convenient payment tool, credit card has been accepted and loved by more and more people. Moreover, credit cards can also be used as financial management tools, giving full play to the role of financial management tools. Today, I will tell you the basic skills of credit card financing.

When it comes to financial management, the most basic skill is to save money and save all the expenses that can be saved in life. That's a kind of financial management. So how do you save money with a credit card?

1. Consumer discounts can be cashed back.

The most basic discount of credit card is that you can enjoy discounts when you spend at designated merchants, as well as discounts such as cash back and more points.

2. Book a hotel and enjoy a discount.

Some bank hotel reservations have discounts, such as one free night, two free stays, or 10% cash, etc. This requires friends to study their own credit cards.

3. Free airport transfer

Airport transportation is convenient and time-saving. The key is to avoid the trouble of waiting for the bus after a tiring journey. As far as Industrial Credit Card is concerned, the designated credit card holders/customers of Industrial Bank can enjoy limousine pick-up service in designated areas of designated cities with designated credit cards or other designated cards/vouchers of Industrial Bank. Luxury car. Oh, that's great.

4. Insurance

1) Enjoy aviation accident insurance.

When buying a plane ticket, there will be an insurance in the total cost, usually around 20 yuan. Air ticket insurance within 20 yuan belongs to aviation accident insurance. Because it is commercial insurance, it is not mandatory and can be purchased according to personal wishes.

However, many people rarely check this item. There are also some friends who will buy comprehensive aviation insurance with a large amount of protection in official website or Taobao Insurance. But the only way to save money is to pay for the air ticket with a credit card with value-added aviation insurance and enjoy additional protection.

Take CITIC Yibai as an example, the aviation accident insurance of 6.5438+0.5 million. Of course, all banks have similar aviation accident insurance services. Pot friends may wish to know about the services they hold.

2) Luggage delay and flight delay protection

A flight master once joked that the compensation for each flight delay insurance is enough to pay the flight expenses. He is talking about a credit card of CITIC. The compensation amount of flight delay insurance, some credit cards will determine the specific amount according to the length of flight delay, and some credit cards are fixed.

Take CITIC Platinum Card as an example: you can enjoy the flight delay insurance of 1000 yuan for 2 hours.

5. Other additional functions

Of course, credit cards have other preferential services, such as road rescue, physical examination, dental care, female care, golf service and so on.

How to use credit card to increase financial value?

The correct way to raise a credit card: 1. After opening the card for three months, you must accumulate credit and repay it on time. Let the bank be absolutely assured that it takes more than three months for the bank to withdraw cash and six months for the card to be used. These are all used to see your performance. Only if you have maintained a good credit record in the past few months can the bank withdraw cash and use the card to handle the card.

2. Brush small pos machines with integral as much as possible. Only when the bank makes money will the bank give you an increase. The profit of pos machines is divided as follows: Issuer 7, Acquirer 2, UnionPay 1. Those with points are not capped, and those without points can't make money.

3, diligent repayment, this purpose is to increase efficiency, improve the utilization rate of funds, the greater the frequency of credit card repayment, the more banks like it, so that banks can feel safe and make money.

4. For friends who want to cash in their working capital, read this article. Banks believe that the key to cashing out is large-scale consumption-large-scale whole-in and whole-out, and overdraft accounts for a high proportion of the total amount and lasts for a long time, which is a big taboo for using cards. Actually, it doesn't hurt to cash out. This is a problem that every bank cannot solve. The key is not to go too far. My own suggestion: you must be careful when you brush a large amount, and the amount should not exceed one-fifth of the total. In addition to brushing the integral.

5. seize every opportunity to brush every day, no matter how big or small. I always swipe my card when I buy a bottle of mineral water myself. What should I pay for electricity, water and telephone? Don't underestimate these small credit card records, they are very useful for your credit card activities. Credit card amount, credit card frequency, consumption type, repayment record and credit card contribution value are the categories investigated by bank computer system.

6. Withdraw cash at least twice a month to make the bank earn some interest. Do it by stages every two months, and the number of stages should not be too long.

7. Participate in preferential points activities of the bank.

How to manage money with credit card money

First, make rational use of the interest-free period. The interest-free period of credit cards is generally 30-56 days. How to make rational use of this time? As long as you start to swipe your card the day after the bill is issued, you can enjoy it for up to 56 days. And all my cards can use this method, and I remember that the repayment date can be revised once or twice a year, so that I can make the most suitable choice according to the time when I pay my salary.

Second, make good use of credit card funds. The credit card limit is generally determined by your assets, education, income, bank flow, liabilities, personal credit information and credit card limits of other banks. If you want to increase the quota, you should swipe your card more, pay by installments, and maintain a good repayment habit. Don't pay back overdue, so that the bank can make money and be willing to lend you more money. The larger the amount, the more money we can use to manage our finances.

Third, spend for others and give you cash. Many times, friends around me will buy some products with slightly higher prices online. At this time, you can help your friend pay by credit card, and you need to use your friend to transfer cash to you. This is to reinvest the money, because there is no handling fee, so the income is very considerable. The advantage of agency payment is not only to increase the cash of wealth management investment, but also to earn credit card points. Now many credit card points can be exchanged for various commodities, such as prepaid cards, airline miles, household items and so on. , virtually also saved a sum.

Fourth, pay more with your mobile phone. With the popularity of WeChat and Alipay, all the streets can be paid by mobile phone. As long as the credit card is bound to WeChat and Alipay, most of the consumption can be paid by credit card. This can save cash financing investment and accumulate points and points. Especially when Alipay and WeChat hold various activities, they can often be cashed back.

Everything has advantages and disadvantages. Although credit cards are convenient, they can easily lead to excessive consumption. Of course, at this time, the control of the card user will be tested. Being able to skillfully control and use credit cards and maximize their value will only benefit you. There will be no monthly slavery.

Is credit card financing so reliable? How much can you earn?

Speaking of credit card financing, I believe that every card friend with a certain card age has his own opinion. Some people make money by doing this, while others make money by doing that. So, is credit card financing reliable and how much can you earn?

First, credit card installment repayment, credit card to buy wealth management products.

For example, Mr. Zhang overdrawn 20 thousand yuan with a credit card, and he intends to repay it in cash. However, because the bank has activities, he can use the credit card interest rate of 0 to repay in installments, so he plans to do it in installments for half a year first, and then buy P2P or Yu 'ebao wealth management products in cash. Let's figure out whether this is cost-effective.

Take recruitment behavior as an example. According to the credit card installment for half a year, the handling fee for each installment needs 150 yuan, and the handling fee for six months is calculated according to 900 yuan.

Method 1: Mr. Zhang invested 20,000 yuan in a P2P financial platform for a period of 6 months, and calculated the annualized expected return by reinvesting the expected return, after which he could get the expected return of 938 yuan.

Method 2: Mr. Zhang invested 20,000 yuan to buy baby products for a period of 6 months. Based on the annualized expected return rate of Yu 'ebao, he can get an expected return of 423 yuan.

Through the above comparison, you can still earn tens of dollars by investing in P2P, and Yu 'ebao will lose money directly, but these tens of dollars are also risky, which I don't think is cost-effective.

Second, credit card cash installment purchase of wealth management products

After reading these, do you still think credit card financing is very profitable?

, you can handle all kinds of credit cards quickly and safely.

How to buy a fund by credit card?

Fund is a wealth management product, which refers to a certain amount of funds set up for a certain purpose. Internet babies such as Yu 'ebao are basically money funds.

Credit card is a credit line granted by the bank to the cardholder, which can be used for credit card consumption and repayment afterwards. All banks have purchased credit cards with interest-free repayment function. Generally, cardholders will enjoy an interest-free repayment period of about tens of days. In the meantime, they can overdraw their consumption first. As long as the repayment is made on time, the bank is exempt from overdraft interest.

If you can buy a fund with a credit card, doesn't it mean that you can enjoy the expected annualized expected income without spending your own money? How to buy a fund by credit card?

In fact, credit cards can only be used to overdraw consumption, not to buy funds. This point has been stated in the credit card charter or agreement of major banks, that is, the overdraft limit of credit cards cannot be used for investment. This is mainly because buying a fund with a credit card is essentially a cash-out behavior. Therefore, fund products do not support credit card payment.

In order to arbitrage, a small number of people withdraw the money from their credit cards by cashing in to buy funds. Analysts believe that this kind of behavior is very unworthy.

1, credit card cashing, no matter what means are taken, the cardholder has to bear the handling fee, and the longest interest-free period of the credit card is only 56 days, which is used for investment funds. The expected annualized expected return on investment is a little higher than the cashing cost, and the expected annualized expected return is very small;

It is illegal to cash out a credit card. Once it is recognized, it may be downgraded, suspended or even legally liable by the bank.

3. Some people will use interest-free repayment funds to buy equity funds in order to improve the expected annualized expected returns. Although the expected annualized expected return of this fund may be high, the net value of the fund will fluctuate, and a handling fee of about 2% will be paid for subscription and redemption. After 50 days, by the repayment date, even if your fund has increased by 2%, you will still be busy for nothing. Besides, what if it falls by 2%? At this time, redeeming the fund to repay the overdraft will not become a loss of 4%! Moreover, the psychological pressure of debt investment is greater than that of using its own funds, and it is more necessary to bear the risk of loss.

So much for the introduction of credit card financing.