Why do some rich people like to use credit cards?

they will manage several credit cards well, play with the quota, create more spare funds, and create their own credit information. Because:

Credit card is: the back way!

Credit card is a firewall for entrepreneurs!

Credit card is a spare tire for successful people!

Credit card is a specific medicine for the poor to turn over and become rich!

It's interesting to say, too. Very rich people are the ones that banks are vying to issue credit cards, not those who are short of money. Banks will also make different grades of credit cards according to customers' economic level and wealth. Common ones are Puka, Gold Card, Platinum Card and Diamond Card.

are the names louder than each other? In fact, not only the name is good, but also the cards are getting better and better. The diamond card is much more atmospheric than Puka. This is why some people who don't want to apply for credit cards have a pile of credit cards, while some people who want to apply for them can't even get one.

first of all, banks are more at ease when they send credit cards to the rich. Relative to the benefits, security is the most important. If the capital is gone, what's the use of asking for that interest? Therefore, the most important thing for a bank is to keep its principal, followed by earning interest.

Secondly, rich people know how to use resources better. It is a good thing to use credit cards within a reasonable range. Rich people can save their money and reinvest it if they use credit cards reasonably; When the rich have no money, they will boldly overdraw their credit cards if they want to get things done, while those without money are more cautious and don't want to spend tomorrow's money, fearing that the burden will be too heavy.

Thirdly, it is cost-effective and convenient to use credit cards. If you spend money with a credit card, you can enjoy a period of interest-free period. Since you want to buy things and spend money, why not make full use of it instead of spending your own money first? It is very cost-effective to buy large items with a credit card and repay them when they are due. Even if the money saved is put in the bank's lifetime, it can still earn some interest.

I also saved points and various consumption discounts, which are actually quite affordable. Needless to say, it is convenient to use a credit card. As long as you have a credit card for business trips, you don't have to prepare much money specially, and you don't have to worry about insufficient money.

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1 The times are changing. We are now entering an era of financial development, credit consumption and early consumption. Credit card consumption is a mode from traditional cash transaction to credit transaction, which is a kind of improvement of business efficiency and convenience.

2 I think not only ordinary people but also rich people have the habit of spending by credit card, especially on the basis of the great pressure of life and limited cash flow, we should keep the cash flow turnover to the maximum extent, and use credit cards instead of using our own funds to save.

3 It's just that the high income of the rich and their stable expectations in the future are all due to the maximum use of foreign funds to solve problems, and they have their own financial management and value preservation and appreciation as much as possible. Under reasonable income and liabilities, families above the middle class allocate credit cards to spend, on the one hand, they enjoy convenience and concessions, on the other hand, they also revitalize cash flow. Many people are also caught in the desire to spend, and they don't control their credit card consumption at a reasonable level, and finally they become slaves. Some people turn credit cards into cash consumption.

A good credit card can increase a person's credit. If it is not used well, it will lead to overdue, which will reduce the personal credit in the bank and directly affect your loan business in the bank in the future. Rich people like to use credit cards because they want to improve their bank credit. After all, they all deal with banks. And the poor don't like loans and debts, so they don't like to use credit cards!

The richer a credit card is, the more people like to use it, and the more people who have no money are afraid to use it. I used to hear that credit cards were really scared, and I first thought:

1 How much do you spend?

2 there is an annual fee for credit cards, so since there is an annual fee, you don't need it.

3 if it is overdue, you will still have to pay a penalty. If you apply for credit, forget it!

However, now I think that credit card is:

1. Leverage credit assets to leverage individuals.

the annual fee is nothing, and it can be reduced.

3 enhance personal credit, Qian Shengqian.

In the past, you had to take a lot of cash with you when you went out, and you might get lost. Now you can take your card. Credit cards have changed our payment methods, no matter how many thousands, tens of thousands or hundreds of thousands, just swipe my card.

Benefits of using a credit card:

1. Enhance personal credit

2. Redeem points for gifts

3. There is an interest-free period of 5-56 days

4. Use them first and then pay them back

5. Different credit cards enjoy different rights

At the same time, there are different levels of credit cards, and the stronger the financial resources, the higher the amount of money you handle and the higher the rights you enjoy.

Credit is wealth!

This simple truth is the credit system. What kind of society is it now? Credit cooperatives have met, not local tyrants. People who don't owe money are not rich. Let's talk about someone like Ma Yun and Ma Huateng who doesn't owe money. Many people who don't understand feel that they can't spend all this money, but it's only a matter of minutes. Everyone who is an executive in a big company should know that sometimes a crisis is invisible.

digress. Let's talk about this simple one. You use Puka for my gold card. Why? The identity gap. In a simpler way, I went to the bank to borrow 1 thousand directly, and you can only borrow 1 thousand. Why? This is an analogy. The credit system is convenient for the rich, and nothing can be done without credit.

many people think I have money, so why use a credit card? I can only say how much money do you have? Is it enough? Money can't be spent and earned, and the Bank of China should be contacted. People who don't touch the bank don't have much money. Ordinary people don't have much money without credit cards. Is 1.8 million called money now, right? Not before. Rich people have to get along with banks for development, and credit cards are the simplest.

the biggest difference between the rich and the poor is their different understanding of money. Rich people tend to concentrate their small change as capital, so as to realize Qian Shengqian, that is, financial management consciousness. People who are short of money often look down on small money, thinking that they can't do anything with this small money. They don't have the habit of collecting a little and have no sense of financial management. And money has time value, and the richer people are, the more they understand this truth.

Therefore, there is a phenomenon that the rich people use the interest-free period of credit cards to run their own affairs free of charge, but concentrate their change for financial management.

Of course, the rich are more willing to use credit cards, perhaps because they are more familiar with financial common sense and want to use credit cards to cultivate good credit.

cognitive problems are even more terrible, and people who have no money are trapped (don't know)!

because the credit card has an interest-free period of about one month, it is a card god if it is used well, and a card slave if it is not used well.

Nowadays, more and more people like to use credit cards. What's the charm? Naturally, there are many benefits to using credit cards. I have summarized the following benefits:

1. Accumulate personal credit records: if you spend more on credit cards, you can repay them on time, which can improve your credit card limit and credibility. With a good credit record, it is much easier to approve loans to buy a house and a car.

2. relative safety: if you spend money by credit card, you can take less cash with you, so as to avoid the loss caused by theft or loss of cash. Even if the credit card is stolen or lost, it can be reported as soon as possible after it is discovered, so as to minimize the loss of money.

3. Be less obliging: when money is tight and you need cash to solve your urgent need, if you are embarrassed to borrow from your friends and relatives and you still owe them, it is a good choice to overdraw your credit card. The interest-free period of 6 days is enough for you to pay back the money next month.

4. save money: nowadays, many credit cards cooperate with merchants to promote sales. For example, discount or cash back. In addition, credit card consumption points can also be exchanged for some daily necessities, or lottery activities.

5. Relieve the economic pressure: If there is a certain pressure on repayment due to large consumption, you can use credit card to pay in installments and enjoy your favorite goods in advance. Of course, consumption in advance should be done according to one's ability, and if certain procedures need to be paid for installment payment.

6. Facilitate financial management: After the bill date, you will receive a detailed bill of consumption in the form of paper or email, from which you can clearly see your monthly consumption and expenditure. It is much more convenient than the cash consumption bookkeeping method.

7. Educate children's consumption awareness: You can apply for a supplementary card for your child, so that you can master his consumption financial situation and educate them about financial management and consumption awareness.

8. Extra benefits: Some credit cards can provide free car wash and trailer oil delivery, accident insurance, medical insurance, VIP lounge at the airport, mileage redemption and other additional benefits.

Of course, the existence of credit cards is a double-edged sword. It is convenient and timely, and at the same time, we need to control our desires and avoid blind consumption and excessive consumption.

what are the hidden rules for promoting credit cards? . Solving

The newspaper's report on June 2th that I received an overdraft statement without a credit card attracted a lot of attention. Ms. Li's experience of applying for a credit card for a friend's "top card task" has aroused the buzz of many readers. "More than half of the wallets are" personal cards ",all to help relatives and friends complete a large number of credit card processing tasks." This experience has become very common. Why do banks occupy the credit card market so much? The reporter takes you to visit the credit card to handle the "story behind it".

at 1: 2 a.m. on June 2th, the sun was blazing in downtown Weihai, and the temperature made it difficult for people to stay outdoors for a long time. Wang Wei (a pseudonym), a credit card salesman in a bank, is still carrying a heavy package of gifts to "sweep the street". Walking through the streets, walking into various office buildings, companies and shops along the road to promote credit card business is vividly called "sweeping the street" and "sweeping the building" by Wang Wei.

1. If you can't finish the task in two months, you will be laid off

"Who wants to work so hard on a hot day, but the task is under pressure. It hasn't opened today, so how can you explain it if you don't' scan more and run faster'?" Wang Wei said frankly that being a credit card salesman must have "strong enough pressure resistance". Not only "suffering", but also under great pressure.

"We can walk for a week in one day. Up to half an hour of morning meetings every day is in the office, and others are' outdoor homework'. " Wang Wei said that because "sweeping buildings" and "setting up stalls" are the normal working conditions, he often calls himself an urban migrant worker in a suit and tie.

besides being able to bear hardships, the pressure of the salesman's workload often makes them breathless. Wang Wei revealed that at present, the task of his credit card center is 11 cards per salesman every month. In that month, only 6 credit cards can be qualified to get the basic salary, and only 11 cards can get the full bonus.

"Only six or seven cards can be issued every day. At the morning meeting the next morning, the workload must be listed. "Wang Wei said that if one or two cards were issued every day, the director would talk to the employee. If you can't finish the task for two consecutive months, the salesman will be laid off.

because of this pressure, the turnover of credit card salesmen is very fast. Colleagues who joined the trade in the same batch as Wang Wei left in half a year. "They die quickly, but those who survive generally have a certain ability to resist setbacks and can fight in the battlefield."

2. Always give gifts out of your own pocket for your performance

"Most of the time, you knock on the door by smashing gifts." Wang Wei said with a little helplessness that it is already a "hidden rule" to get customers by giving gifts with cards.

in order to improve performance, salesmen have to give gifts out of their own pockets. "If you can't finish the task, you must deduct the basic salary, and give some small gifts yourself. It's better to earn less than not." Wang Wei said that gifts are also a good tool to open the business network.

Wang Wei once worked as a salesman in Yantai for some time. In his view, the Weihai market is relatively new and the competition is relatively small. He revealed that in other cities with large credit card saturation, the competition between banks is very fierce, and the gifts of credit card salesmen are "smashed" very badly. "Weihai is mostly sending sets of small tableware, while in Yantai, insulated cups, travel bags and so on for more than ten dollars are very common."

3. There are many loopholes in the credit card application

The reporter followed Wang Wei and his colleagues to promote it in office buildings and streets for nearly five hours. When handling the credit card for the applicant, the salesman gives a simple introduction to the credit card usage rules and handling procedures. The applicant's salary is also filled in casually, and information such as office phone number can be called "body double" for guest appearance.

Wang Wei said that once the information checked by the head office is false, the salesman will face the risk of "fraud" and his salary above 1 yuan will be deducted. However, salesmen generally entrust applicants to discuss with body double in advance, and it is easy to cheat on information such as salary. "There is generally no problem."

Wang Wei told reporters that the threshold for handling credit cards is very low now. When the salesman goes down to promote, "if you are 18 years old and have a job, you can apply for a card."

He also admitted that there are many loopholes in the credit card application process. If the salesman doesn't really want to promote business, it is easy to use this identity to obtain the applicant's information or make illegal overdraft. At present, Wang Wei's bank has used the employment information of special machines, and the salesman and the applicant must go through the formalities one-on-one and face to face. At present, many banks still only apply by filling in paper materials. If the salesman has ulterior motives, the applicant's information and mobile phone number can be completely changed, and it is easy to disclose the applicant's information.

Wang Wei admits that Ms. Li's experience of being "consumed" reported in "I received an overdraft statement without a credit card" has happened before. "There is a salesman who has a large overdraft by handling a credit card, but the bank can easily trace it out."

4. The interest chain behind "staking a horse"

Wang Wei revealed that compared with debit cards, credit cards issued by banks have more sources of income and more profit space. At present, the credit card income of banks mainly comes from the annual fee, overdraft interest, the handling fee paid by credit card transaction merchants, installment payment handling fee and so on.

Take the annual fee as an example. At present, the highest annual fee for debit cards of banks is 1 yuan, and even debit cards of some banks are still "zero annual fee". According to different types of credit cards, the annual fee ranges from tens of yuan to hundreds of yuan.

"At present, many banks' credit cards have introduced some measures of' how many times to swipe the card to avoid the annual fee'. In fact, there is also a calculation of profit rate." Wang Wei said that by encouraging customers to spend by card, banks can get more commission income from contracted merchants. When cardholders use credit cards to spend money, banks usually get 1%-2% income from merchants. "It is conceivable that if credit cards are heavily covered, how attractive the profits generated by the accumulation of this income are."

Profit is naturally the baton that leads banks to make great efforts to "race around the land". Wang Wei said that taking his bank as an example, the head office assigned tasks to local offices, and then distributed tasks from offices, departments, groups to salesmen, and each bank showed its magic power in occupying the market.

for the salesman, although the task and requirements of issuing cards seem cruel, the commission in this line is also very large. The extent of the bonus is also in direct proportion to the number of cards handled. The more credit cards are handled in the month, the commission of each card will also fluctuate. Wang Wei said that the commission of each credit card is about between 15 yuan and 7 yuan. If a salesman completes the task of 11 cards, the monthly income will be deducted from the purchase gift.