What Is a Credit Card Investment?

Credit cards are now accepted by most people. It is convenient for people to spend money in advance. Credit cards can be used to pay off loans and daily consumption. They can also be used for financial management. Credit card financial products have also been sought after by many investors.

Credit card financing

I. Guide rational consumption

Of course, consumption is the biggest use. Keep the purchase receipts for each consumption. When reconciling with the bank statement, check it one by one and analyze it one by one. Every reconciliation is a check of personal consumption. After the account is completed, you will know how many irrational consumption behaviors you have, which should be consumed, which can be postponed, and which should not be consumed at all. Become aware of it immediately, and slowly shopping consumption becomes easy to control. In addition to open source financial management, we must learn to reduce expenditure.

Second, use interest-free period to earn interest spreads

Credit card

With increasing inflation, job security and the economic foundation are direct sources of happiness. On the premise of guaranteeing a certain standard of quality living, reducing debt is an important way to build a stable economic foundation. The emergence and application of credit cards has broken people's usual consumption habits, promoted the popularization of early consumption behaviors, helped ease the pressure on funds, made consumption behaviors even and stable, and realized the effective application of money to the greatest extent. It is a good consumption behavior habit.

But on the other hand, the application of credit cards will also increase the debt, if the debt and income can not guarantee a good and healthy proportion and cyclical development. As debts get higher and higher interest rates increase, the overall deterioration of the economic situation will worsen, and credit cards will gradually become a source of stress in life. Therefore, even if you use a credit card to spend in advance, you must also restrain the desire to spend, because whether it is overdraft or cash consumption, you are spending your own money. Yueji provides you with 5 methods to help you discover and strengthen more functions of your credit card. You can use credit card financing to accumulate your own small treasury, correct bad usage habits, avoid unnecessary extra expenses, and reduce debt. From another perspective, This is equivalent to saving more money!

One point in exchange for physical supplies.

Many credit cards issued by banks include different types of supporting services. Credit exchange is a very common activity. Credit card credit accumulation is directly linked to the amount of cardholders. At present, major banks basically use 1 yuan to accumulate 1 point, but

Credit card wealth management tips, so you save every time you save, and the current credit card implementation of "consumption first, repayment", and generally have a 50-day interest-free period and credit card points, the following is for everyone Describes how to manage your money with a credit card.

First, master the preferential activities, swipe your card to earn points. In order to stimulate the cardholders to spend money, the current banks often engage in activities with some entertainment and catering companies. The bank's credit card promotion activities are sent to the cardholders along with the monthly statement. After receiving the statement, you should take a few minutes to read the relevant content carefully. You can also log in to the bank website of the credit card to get a more comprehensive understanding of the merchants where the credit card can enjoy special offers. Within a certain period of time, discounts or double points can be used for spending at designated restaurants and entertainment venues, and points can be exchanged for various products and gifts within a certain period of time. If you often entertain, enter and exit these places. Be sure to pay attention to the corresponding information, which may bring you rich returns.

Second, the card can never be paid in cash, and annual fees can be waived. The credit card charges an annual fee of 150 yuan or 300 yuan each year, but major banks have introduced preferential policies for exempting annual fees by swiping the card several times a year. So if you have several credit cards in your hand, don't just stare at one

At present, the credit card bills or electronic bills sent by domestic bank credit card centers. If there are more credit cards, managing these credit card bills becomes a difficult problem. At present, there are many common credit billing software applications on the market, such as Card Bull, 51 Credit Card Manager, and Card Two

Credit card wealth management card

Kingdee Sui.com's masterpiece application in 2012-Qiniu; Kingdee Sui.com has launched another fist product-Qiniu after the "Notes". As a fully automatic credit card financial management tool , through bank short message recognition technology, it automatically recognizes bank short messages, automatically generates accounts and running water, and provides you with the simplest, most effective and convenient personal financial management method. More simple and convenient credit card financial software!

With a card cow, give the bill to this "bull"! Card Niu helps you to dynamically manage all bank card account assets. There are several savings cards, several credit cards, how much credit card should be repaid each month, how long the interest-free period is, and when is the most cost-effective repayment, Card Niu helps you organize it automatically. Save time and effort.

Bind the card cow and the hand-held account, the flow data generated by the card cow will be automatically imported into the hand-held account, managing personal financial status is more relaxed and comfortable.

Card Cow exclusively supports SMS analysis of 150 banks, leading the industry! Including: China Merchants Bank, China Construction Bank, Bank of China, Agricultural Bank of China, Industrial and Commercial Bank, Minsheng Bank, Ping An Bank, Industrial Bank, Bank of Communications, China Everbright Bank, CITIC Bank, Huaxia Bank, Postal Savings Bank, Pudong Development Bank

Bank of China (5 photos), Shenzhen Development Bank, Guangfa Bank, Bank of Beijing, Bank of Nanjing, Bank of Chongqing, Bank of Dalian, Bank of Guangzhou, Bank of Ningbo, Bank of Hangzhou, Bank of Shanghai, Bank of Wenzhou and so on!

51 Credit card management 51

51 Credit Card Manager ^[2] Simple: Mailbox binding does not need to enter any information. One-click query of real-time credit points, one-touch dial of artificial agents, and no longer need to listen to phone calls. Repayment reminder in real time, never overdue. Support all mailboxes and more than 20 bank credit card electronic bills across the country. ,

Practical: Repayment reminder, bill search, historical query, interest-free day calculation, various consumption reports.

Convenient: 1 email = 100 entries of data manually. The user does not need to enter any information.

Quick: 5 minutes, calculation and statistics are completed within 5 minutes after the bill enters the mailbox.

Security: Set up a dedicated mailbox for users, focus on bill analysis, and keep information secure.

Support: Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, China Merchants Bank, Bank of Communications, Guangfa Bank, CITIC Bank, Industrial Bank, Pudong Development Bank, China Minsheng Bank, China Everbright Bank, Huaxia Bank, SDB, Ping An Bank, Ningbo Bank, etc.