Many people think that the role of credit cards is to overdraw consumption, but for those savvy consumers and investors, the benefits of credit cards are too many. Those who have misunderstood credit cards, they miss a forest. In fact, the role of credit cards is not just to swipe, but also to use:
Use interest-free period financing
Some people think that credit card is a bottomless pit. In fact, there is a core reason why senior card-players use credit cards - clever use of credit cards for the longest interest-free period of wealth management, in the age of wealth management products, let money make money.
To give an example: You have 20,000 yuan in cash to spend on your hands, but if you hold a 20,000-yuan interest-free credit card, you can choose to swipe your card at the time of consumption, and take the cash on hand for short-term financial management. So that you can earn interest.
Cumulative credit card points
Basically, all bank credit cards have points, and each has its own points cumulative conversion method. Sometimes, these points can be exchanged directly for cash, and some can participate in some value-added points held by the bank. Take China Merchants Bank, you can get 1 yuan or so for spending 400 yuan, and 15 yuan for credit card points. Although it seems that there are not many points, banks often launch some 10 points to redeem gifts or coupons.
In order to compete for credit card users, banks often give credit cards various functions and promotions, including catering, entertainment, shopping, travel and other merchants. For cardholders, this is one of the biggest benefits of credit cards.
Zero cost installment
For consumers who are short of funds, “one-time full payment†is often unbearable, and installment payments can effectively solve this “unbearable painâ€. Many bank credit cards have launched a variety of staged activities, such as billing installment, cash instalment, merchant staging, etc., and the instalment rate and staging promotion activities are also very powerful, so that consumers can easily enjoy the consumption.
It should also be noted here that there are some merchants who need to pay a certain fee and interest for installment payment, and some do not need it, so be sure to pay attention when purchasing, check the terms of installment payment and compare with the one-time payment amount. Can know the merchant's collection criteria.
Accumulate personal credit
Accumulating personal credit with credit cards is a long-term benefit. Healthy card habits and good repayment records can help cardholders accumulate credit records. A good credit record can help you quickly lend money when you are in a personal loan, and the interest rate will be more favorable.
Of course, all of the above are all ways for cardholders to use credit cards. Of course, the above is not suitable for everyone. I have said so much, and I hope that I will give you a boost in thinking. Value. Credit card can make a lot of money, some people can even use the credit card to enter the million monthly, which also means that credit cards are not as simple as consumption, people who use credit cards are often wealth management experts.
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