Today's credit card is no longer just a way to pay in advance. In this highly competitive market, it is easy to be eliminated without characteristics and progress. Ping An Bank bought the first Internet plus credit card in the industry-Ping An Easy Wallet Huayang Credit Card. This is a credit card that can make money.

Characteristics of Credit Card in Internet Age

Ping An Easy Wallet Huayang Credit Card has innovative functions such as "the amount is up to you", "making money while spending money", "making money after spending money" and "spending more and earning more".

This kind of credit card is different from the traditional credit card. The credit card limit is determined by the user himself, and the credit card consumption limit is determined by the current assets deposited in the wallet account or the regular financial management purchased by the user. A wallet account is connected to the money fund, and after the deposit, you can enjoy the expected annualized expected income of current financial management; And a wallet manages money regularly, providing a variety of choices, with low threshold and high expected annualized expected return. Users can use the One Wallet Huayang Credit Card within this limit. As long as they have a POS machine, they can spend offline, or they can spend online by tying the card and withdraw cash at an ATM machine.

In addition, One Wallet Huayang Credit Card will provide additional cash consumption rewards randomly according to the user's consumption situation and return them to the user's One Wallet account. It can be said that "the more you spend, the more you earn".

On the consumer side, Ping An Easy Wallet cooperates with well-known e-commerce companies such as 1 store and Gome Mall to provide online shopping services for users. A wallet Huayang credit card is matched with a wallet account, and the physical card is combined with a virtual account to meet the financial needs of users such as financial management, consumption, cash withdrawal and collection in one stop. Let a wallet have both the functions of deposit financing and consumer credit.

Other credit card production modes

In fact, this model of making money with credit cards has existed before. For example, Bank of Communications has a "part-time earning" function, which binds the debit card of any bank and then automatically repays it. After signing the contract of "earning extra money", you can enjoy the expected annualized expected income far higher than the expected annualized interest rate of current savings. At the same time, you can also enjoy the automatic repayment service of credit card due date, and the financial repayment kills two birds with one stone. However, unlike the single wallet Huayang credit card, the Bank of Communications credit card has a limit, and the limit of Huayang credit card is set by itself.

How to use credit cards to make money

The ways to make money with credit cards are as follows:

1. Participate in credit card banking activities, such as preferential activities that can reduce or increase consumption in designated businesses, as well as preferential coupons, cumulative consumption gifts and other activities.

2. Credit cards have a certain interest-free period. If you spend one day after the bill date, you can enjoy interest-free for up to 50 days. You can make good use of this time to manage your finances and gain income.

3. Redeem with credit card points. Credit cards generally have points after charging fees, and the points can be exchanged for some air miles, coupons, some platform members, goods and so on.

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How to make money with a credit card? You need such a strategy.

With the popularity of credit cards, many people are used to swiping credit cards when spending. The credit card not only allows us to enjoy the convenience of spending in advance, but also hides the property of making money. Making good use of it can add icing on the cake to our daily income.

1, get a card and send a gift

Every bank has the task of issuing cards, so the competition between banks is fierce. In order to get a new card, various gift-giving activities are held, such as sending a big-name suitcase to a new household when the new card reaches the standard, or directly sending a few hundred pieces of credit card fees. Although each new household can only enjoy it once, it is also a huge sum of money converted into cash value.

2. Use the interest-free period to revitalize the funds in hand.

The biggest advantage of credit card is that it can enjoy interest-free period, and the longest interest-free period can reach 56 days. Although you still have to pay back after spending by credit card, you can use the buffer period of this period to buy some short-term wealth management products to earn interest, and then pay back after the credit card expires. This is also a method in Qian Shengqian.

3. Make full use of credit card points

We usually use credit cards to accumulate points, and then we can exchange them for gifts and various coupons, such as sweeping robots and Starbucks coupons. Although we may need a lot of points, we can save some money compared with paying directly. By the way, many banks' points will be cleared, and they should be exchanged within the validity period to avoid waste.

4、

Consumption abroad cashback

If you spend money abroad frequently, you must remember to use a credit card that can be cashed back overseas, such as the visa card of CCB. In fact, some banks are still making great efforts to cash back consumption abroad, and some even reach 15%. Eating, shopping, shopping, refueling, etc. Make good use of your credit card to save money for yourself.

This concludes the introduction of how to make money with credit cards and bank credit cards. I wonder if you have found the information you need?