Hello everyone! I have worked in a bank for a long time and have many years of experience in using credit cards. Next, I want to share with you some knowledge and experience of using credit cards.

1. Why use a credit card?

1. Credit card is the only debt instrument with long interest-free period, which has high use value. This is not available in any other loan varieties. This means that we can spend the bank's money for free and do our own thing for a while. When money is tight, you can also use a credit card to tide over the difficulties without paying interest.

2. You can accumulate personal credit. For "white letter users" who have no credit record in the Credit Information Center of the People's Bank of China, banks generally don't give credit easily. Even if credit is granted, the loan amount will be very low, and there will be no preferential loan interest rate. Young people who have just left the society can accumulate personal credit by using credit cards to repay on time, laying the foundation for applying for mortgage, car loan and low-interest credit loan in the future.

3. You can accumulate points and participate in preferential activities. With a credit card, you can accumulate points and redeem gifts or rights. In order to seize the market and protect customers, credit card centers of various banks have launched many preferential activities. Some activities are very strong. Activities such as 50% off food and watching movies for one yuan are very cost-effective and can save a lot of money.

Some credit cards are powerful and can facilitate daily life. For example, I set up an ETC credit card of Agricultural Bank of China a few years ago, and the bank gave away a small machine called OBU for free, which was installed on the front windshield of the car. You can take the ETC channel every time you get on or off the expressway, which is very convenient and saves a lot of queuing time. Compared with ordinary ETC cards, ETC credit cards don't need to be recharged in advance, just remember to repay after use.

As a modern financial tool, credit card can facilitate our life, if used properly. Next, I will tell you three tips.

Second, the use of skills

1. Make good use of interest-free repayment period. When spending a lot of money, swiping a credit card is especially cost-effective. Because during the interest-free period, we can deposit a large sum of money originally used for consumption in the bank to earn interest, or buy a short-term wealth management product. I suggest you get 2-3 credit cards. When you spend a lot of money, calculate which card has the longest interest-free repayment period, and then swipe which card.

2. Try to repay in full. There is a prerequisite for enjoying the interest-free repayment period, which is full repayment. If you can't repay in full on or before the due date, the loan interest rate of credit card is very high. Minimum loan repayment interest rate 18.25%, with compound interest calculated monthly. The loan interest rate of credit card installment is generally above 14%. If you really borrow money by credit card, the cost is very high.

I have used the card for many years and only made two credit card installments. Once the Credit Card Center of China Merchants Bank held an activity, and I could send a backpack in installments. I calculated the installment cost, which was very cost-effective, so I staged it. Another time, the task of our bank is that every employee must pay by credit card installment. I have no choice but to make a second installment.

3. Pay attention to your card psychology and the bank's marketing routine. Never take the credit card limit as your own money. Take myself as an example. I used to use the credit card of China Merchants Bank. After swiping the card, China Merchants Bank's WeChat notification will only tell me the transaction amount, not the remaining amount.

As long as the quota is not used up, you can brush it. How much is spent in a month and how much is left in the quota? There is no psychological concept. Accidentally took the credit card limit as his own money. Wait until the billing date, found that the bill is expensive, brush off a lot of money.

In my opinion, this is actually a marketing routine, which should be deliberately done by China Merchants Bank Credit Card Center, in order to let cardholders spend more credit cards. Adding available quotas to WeChat notifications is technically very simple. For example, the WeChat notification of ABC's credit card has an "available balance".

In order to control expenses, last year, I untied all the credit cards tied to WeChat and Alipay, and used the debit card money to make small daily expenses. After each consumption, the balance can be seen in the WeChat notification of the debit card. Seeing that the money on the card is getting less and less, I will save some money. A few months later, I found that I spent less money every month than before.

You can also observe your own psychological changes. If you are like me, I suggest that you use a debit card instead of daily sporadic expenses. When you spend a lot of money, you can enjoy discounts by using a credit card or swiping a credit card.

You should return your credit card after you swipe it. Don't treat the credit card limit as your own money.

Finally, I ask you a question. Do you think using a credit card will cost you more money than not using it?

I have used credit cards for several years, and now I have several credit cards with me, so now I will share some tips on using credit cards.

1. Make good use of the interest-free period of credit cards.

All credit cards have an interest-free period of 20 to 50 days. If you swipe your credit card from the day you issue the bill, then we will have an interest-free period of more than 50 days. Basically, the longest interest-free period of each bank is similar.

I have three credit cards. I adjusted the bills of the three credit cards to 10, 20 and 30 respectively. When the 10 bill is issued, if I want to spend money in the next few days, I will use the 10 credit card immediately, and other credit cards will also use it, so that I can make the best use of my interest-free period.

2. Accumulate personal credit.

This is what I heard from my friend. Like most of us, we only use savings cards for daily deposits and have no other connection with banks. Then the bank doesn't have a good evaluation of our credit, which will easily lead to that when we need a loan to buy a car or a house, it will not be so smooth.

Credit card can be used in an emergency.

Credit cards can increase the limit as much as possible. This is a rule of thumb in case you need money badly. In this case, the credit card is a good emergency tool.

Before, a relative in my family was in urgent need of tens of thousands of dollars, and I didn't have that much cash at hand. Fortunately, I have a credit card, and several add up to 50,000 to 60,000. All three of them were maxed out, so I made a little money. When I paid back the money, the funds were enough.

There are many discounts on credit cards.

This is more convenient for friends who like to eat out and travel. There are many coupons on it, which can also save some money.

I have a classmate who always likes to eat out. He has a credit card. Sometimes coupons can only be used by one person, which happens to be mine. He asked me to exchange coupons for him many times, which saved him a lot of money every time.

5. Withdraw money from cash when using credit card to control consumption.

Because there is a credit card limit, and the credit card limit is still relatively large, it is easy to spend without restraint. Here, I'll introduce you to a good method.

Prepare one first, that is, a temporary account, such as Alipay's balance treasure or WeChat's change pass. Whenever we spend a sum of money from the credit card, we will transfer the money from the savings card or WeChat to this temporary account, so that we can clearly know how much money we have spent and it will not be so easy to overspend.

The above is my experience in using credit cards, and I hope I can help you.

I have used my credit card for several years, and I haven't played any tricks. Tell me about my experience briefly.

Banks issue credit cards for consumption, so as long as they accept credit card payments, they all use credit cards, which can increase the credit limit, avoid annual fees and earn points.

I used to use my credit card for a period of time, and the bank informed me to withdraw the amount. I felt useless and gave up. As a result, I was in trouble when I wanted to mention it later. I applied several times in half a year to raise 20 thousand yuan, so don't miss the opportunity he gave you.

Credit card repayment is more convenient now, but you must set up an automatic repayment method in case you forget. I forgot to return it once, so I should contact customer service quickly to provide timely service, otherwise it will be in the credit record.

The interest-free period of credit cards is generally around 20-5 1 day, from the date of the last bill to the repayment date of the next month. For example, my bookkeeping date is the 2nd of each month, and the repayment date is the 22nd of each month. If I spend money at 65438+10.3, I will repay it on February 22. The interest-free period after the bill is the longest, so I usually recharge my gas card with a credit card before 10 every month.

If there is no money to repay the credit card on the repayment date, you can repay it by credit card. The premise is that your credit card limit is sufficient. For example, I have to repay 8000 yuan on the 22nd, but my salary has not been paid yet. If I don't want to borrow money, I will spend another 8,000 yuan on virtual shopping with my credit card before 22nd, and then pay it back. I'll pay this 8000 yuan back to my credit card and last month's bill. (For emergency use, don't brush the bill maliciously)

Credit card withdrawal fee is very high, generally 1%, which is not cost-effective. I didn't understand it at first. I took it once and remembered it. I will never use my credit card to withdraw cash again. Installments and the like, with high interest and handling fees, should be used as little as possible.

These are some basic experiences for your reference.

First, the definition of credit card.

Credit cards are credit certificates and vouchers issued by various commercial banks or companies that specialize in issuing credit cards to consumers who meet the credit requirements. Credit card holders can swipe their cards to shops with pos machines for shopping or consumption, or they can spend money in Internet shops. Finally, the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed amount, and interest-free for a certain period of time. Simply put, using a credit card is an overdraft consumption by borrowing cash in advance, which is also a kind of consumption. In the early years, it played a positive role in stimulating domestic demand and promoting economic growth.

Second, the positive factors of using credit cards.

Some customers can also use debit cards when they know that their income is enough for consumption. Why do they have to apply for a credit card and overdraw the credit card limit before they can spend? The first is the interest-free overdraft limit. Free interest-free cash advance, everyone thinks that interest-free transactions are like spending their own money. Generally, the interest-free date is calculated from the date of consumption until the date of repayment. If the repayment date stipulated by the bank is exceeded, interest will be charged. The longest interest-free day is 55 days and the shortest is 2 1 day. The second is the activities of banks and special merchants. In order to promote sales, many merchants cooperate with banks, and customers can discount or exchange points with credit cards. For example, many merchants will print the name of the designated bank credit card, and you can get the prescribed preferential policies with this credit card; The third is to accumulate credit. When many loan users apply for loans, banks will check their credit records. Users who have not had loans before, even if they have credit cards, are also an important credit reference standard. Making good use of credit cards will become a way to quickly approve loans.

Third, the use of credit cards skills.

First, timely repayment cannot affect credit. For example, when the bill comes at sunrise, customers can see the consumption details and total amount of the previous period at a glance. The repayment date must be remembered, and the overdraft amount must be paid off on or before the repayment date at the latest. Now the bank has stipulated the minimum repayment amount, and paying the minimum repayment amount will not affect the credit history.

Second, the biggest skill in using credit cards is how to make the interest-free period the longest. Customers who use credit cards generally want the interest-free period to be as long as possible. How can we maximize it? The longest interest-free period is the consumption on the day or the next day of the billing date, such as the personal use of ABC QQ credit card. The bill date is the 7th of every month, so be sure to confirm the bill before spending. You can check SMS, WeChat, email and regular mail. Once you come out, you can spend it on the same day. I'm not sure whether it's safer to come out or wait until the next day. In this case, the bill for this period will not come out until the 7th of next month, and the repayment date will be 1 of next month. For example, after the billing date of 65438+February 7th came out, the consumer continued to consume, and the bill was paid on February 7th, and the repayment date was February 1 55 days (65438+February is interest-free for 24 days, and 65438+ 10/day * * 55 days).

Third, credit cards can apply for deferred repayment when they are short of funds. The repayment date is coming, but you don't have enough money on hand, so you can apply to the bank for deferred repayment. The grace period for ordinary banks is 1-3 days. After calling the bank to explain the situation, it is not overdue and will not be recorded for credit.

Credit card is like a double-edged sword. If you can make good use of it, it will be of great benefit to your life financial management. If you don't use it well, you will fall into the pit you dug. Credit cards have the following functions:

1. Consume in advance and repay in installments. Suddenly my mobile phone broke down, and I wanted to spend 6000 yuan to buy a new mobile phone, but I didn't get the money. You can buy it by credit card first. When the salary is paid, it will be paid off in one lump sum or in installments.

2. Something unexpected happened and suddenly a sum of money was badly needed. If your family or yourself is ill, you need a sum of money urgently. You don't need to borrow relatives and friends. Credit cards are a timely help.

3. Overseas travel, overseas card swiping Almost all countries in the world can swipe their cards to avoid finding a place to exchange local currency.

4. Use 40-56 days of interest-free consumption funds for financial management. If you buy 654.38+million large consumer goods, there are 654.38+million cash and 654.38+million credit cards. You can swipe your credit card and deposit 65438+ 10,000 yuan in the bank for financial management. The annual interest rate is 3% for one month in 300 yuan.

5. Credit card shopping discounts include physical shopping malls and online shopping, all of which have different discounts.

6. Beware of excessive consumption. Irrational consumption leads to overdue credit cards. Many people can't afford their credit cards. Finally, they are heavily in debt, with daily interest of 1.5 million and annual interest of 18%.

Credit cards are issued by banks, not paper money transactions, which is convenient and fast. Every transaction is on the bill, which can be inquired at any time and has a certain interest-free period.

Why use a credit card?

Credit cards have many advantages. For the general public, the biggest advantage of credit card is that it can be consumed in advance and paid back the next month. For example, if you have no money for the time being, but want to buy something you are interested in or goods from limited-time discount, you can swipe your credit card, buy things first, and then pay back the money when you get paid next month. This way, you don't have to miss the promotion period, and you can get the goods in advance. Why not?

In addition, if you are short of money and need a lot of money urgently, you can swipe your card directly on your credit card instead of borrowing it from relatives and friends. Borrowing money from the bank is much better than borrowing money from relatives and friends. Moreover, if you can pay back the money within the interest-free period, there is no loss at all. Even after the interest-free period, there is not much loss in paying interest, because borrowing money from relatives and friends also requires interest.

In addition, credit cards can accumulate personal credit. Good personal credit can improve the success rate of future loans if the cardholder repays in time and has no bad records such as overdue and arrears.

Credit card has another irreplaceable advantage, that is, it is very convenient to spend abroad. Usually, the savings card we use can't be used in consumption abroad, and the credit card can be swiped directly overseas. Of course, this kind of credit card is also special and belongs to international credit card. You can get one in advance if necessary.

In addition, credit card consumption will generate points, and when these points reach a certain amount, they can be exchanged for various benefits. The most common ones are movie tickets, coupons for Starbucks and hotels, and coupons for video members. The rewards of credit card points exchange in different banks are different. This is an extra discount for people who use credit cards, and there is no need to pay any money.

So it is very convenient to apply for a credit card. Not only can you spend freely abroad, but you can also get small surprises occasionally. The most important thing is to have enough spare money when you need it.

Why should I apply for a credit card on the grounds that I have to use it?

With the rapid development of internet finance, credit cards have entered people's lives in various ways and gradually become a sharp weapon for people's consumption. Many people use credit cards to facilitate and enjoy the benefits and rights brought by cards. In fact, there are many benefits that not everyone knows. Today, I will tell you why you want to apply for a credit card.

1, interest-free overdraft

This is why many people apply for credit cards. Credit cards can enjoy the pleasure of spending in advance and have a certain interest-free period. As long as the cardholder pays off the credit card bill before the end of the final repayment date, there is no need to pay any fees. For card friends who are financially nervous, its role is more prominent.

2. Preferences and rights

In addition to the basic functions of credit cards, banks will also launch various preferential activities from time to time, such as cash back for car owners' cards, cash back for consumption abroad cards, and discount activities for shopping cards. In addition, there are credit card points accumulated by consumption, convertible gifts accumulated by points or direct offset of consumption amount.

The rights and interests of credit cards are also very rich. Different types of cards enjoy different rights and interests. For example, the Young card of China Merchants Bank enjoys double points in the birthday month, and the first cash withdrawal is free every month; Major banks issue platinum credit cards PP cards and enjoy free services in VIP rooms of major airports around the world.

3. Annual fee concessions

When you apply for a credit card, you have to bear a certain annual fee while enjoying convenient payment and preferential activities, but generally it is an ordinary card, a gold card and so on. You can use the number of swipes or credit card points to offset the annual fee. As long as you can guarantee timely and full repayment, you can enjoy the benefits of credit card completely free of charge.

4. Other functions of the card

Credit cards can meet the various needs of cardholders for funds, such as cash withdrawal, credit card loan, credit card transfer, installment payment and overseas settlement.

Step 5 accumulate credit

Why do you want to apply for a credit card? I believe the above reasons can really impress you. If you haven't applied for a credit card, you can apply for a credit card through the credit card entrance and enjoy all the benefits brought by the credit card.

Why do you want to apply for a credit card? What are the benefits of credit cards?

Many card friends have always kept a respectful distance from credit cards, especially when they saw negative news such as "XX was sentenced for credit card overdraft and X was unable to repay" and "XX went to find someone to handle the stolen credit card", and they felt that they should not handle the credit card.

In fact, credit cards are not a scourge. A large part of these negative news are caused by the cardholder's problems, which have nothing to do with the credit card itself. There is absolutely no need to refuse a credit card.

You know, for many people, the advantages of holding a credit card outweigh the disadvantages. Here's why you use a credit card and how to choose the right one.

Analysis on three benefits of credit card;

1. Accumulated credit: People who have never dealt with banks are blank records in the central bank's credit information system. If you want to change this situation, you can start by using credit cards. As long as you apply for a credit card, swipe your card frequently and repay it on time, you can establish a good personal credit, which is very beneficial for handling bank-related business in the future.

2, save money: credit cards can be overdrawn, but don't be blind when swiping. It's best to know what discounts you can enjoy with a credit card, so you can save money by swiping it. For example, if you apply for a credit card of Bank of Communications, you can participate in the "Red Star Five" activity, and you can get a credit card refund by swiping your card in the supermarket.

3. Temporary emergency: For example, if you lose your laptop, you have to buy it immediately because of work needs, but you have no savings and you can only borrow money from others to buy it. If you have a credit card, you can buy a computer with it immediately, or you can choose to repay it in installments to relieve the pressure. In short, having a credit card with a certain amount can make you more comfortable in the face of emergencies.

The benefits of credit cards are more than the above three points, so I won't introduce them one by one. You can experience it yourself in the process of using the card.

Why do you need a credit card? These are the key points!

Although many people like to spend in advance, there are still many people who keep the good habit of spending within their own ability. So, is it unnecessary for these people to use credit cards? Today I will briefly talk about the reasons why I want to apply for a credit card. I really want to know.

First, why do you want to apply for a credit card?

1. just in case: it's hard to guarantee that you won't come for a while, it's more convenient if you have a credit card in your hand. Usually, you can use your credit card to eat, wear, live and entertain, and enjoy various discounts. In addition, as long as it is used reasonably, it can not only get an interest-free period of about 50~60 days, but also have no cost for normal repayment and no loss to users. Moreover, many banks are free of annual fees in the first year and XX cards in the second year.

2. Credit problem: not doing any credit business does not mean that you are a quality customer. This group of people are called "white households", and it is more difficult for white households to apply for car loans and mortgages in the future. After all, banks and financial institutions don't know how your repayment ability and personal credit are, and the hidden risks they need to bear are great, so they are likely to refuse to issue loans. For ordinary people, buying a house and buying a car is generally through a mortgage. If it is not approved because of the identity of a white household, it will be in trouble.

The above is the answer to the question "Why do you want to get a credit card?". I hope I can help you. Generally speaking, credit cards still play an important role in our daily consumption life and financial life, so you can give it a try when you are sure that you have the ability to repay.

Why use a credit card? Just look at these benefits of credit cards.

With the advent of the era of credit consumption, in order to seize the market, major banks are constantly developing new types of credit cards, and now the credit cards are basically one or even several. There are still many people waiting to see, and those who have not applied for a credit card may still be confused about why they use a credit card. Next, let's talk about why we advocate credit cards.

Credit cards are good because they can maximize the time value of funds. The following are the benefits of using a credit card:

1, credit card settlement is often accurate for merchants, so the statement is a very good bill, while the merchant information of debit card bill is generally not so detailed, and credit card bill can be said to be a very good bookkeeping tool;

2. Compared with cash, credit cards are easy to carry, and you can also get points by swiping credit cards and exchange them for a large number of gifts provided by banks;

3. Compared with ordinary bank debit cards, credit card consumption does not require a password, and it is not necessary to follow the waiter to enter the password in occasions such as eating;

4. Some banks can pay back in installments and buy something in 24 months, so that you can spend more in advance, which is why most people understand why they use credit cards.

Credit card can synchronize expenditure with income. For example, if you spend money in March and pay your salary on April 8, if the automatic repayment date of your credit card is set to 10, it is very comfortable to automatically deduct money from your salary card after paying your salary;

6. Credit cards are very convenient for international micropayments, and there is no better substitute than international micropayments.

Why use a credit card? Let's stop here.