Seven Ways of Money Management by Credit Card Teaches You to Save More While You Spend More

        Credit card is the most common payment tool in the world. It not only plays an important role in the financial system, but also is indispensable to modern people. Understanding credit card financing skills is a compulsory course in using credit cards. Want to use credit cards wisely to accumulate wealth? As long as you stick to the Seven Principles, you will also have the opportunity to become a master of financial management.

        The new generation of card God Bao Kemeng (hereinafter referred to as card god) shares the tips of credit card financing: "It is very important to make good use of the tool reorganize credit card, such as Excel table, card collection book and so on. They are all great tools." In addition to the good health benefits offered by the tool reorganize credit card, the card God also teaches seven tips to help people skillfully use credit cards and manage their finances without mistakes.
        
         1. Choose appropriate credit cards according to habits and consumption patterns:Before choosing to apply for a credit card, you should first "know yourself". It is suggested that people can learn about their daily consumption habits and occasions through two-month accounting and consumption expenditure analysis, and finally choose the appropriate credit card.
        
         2. Find out the main card:Although the card God holds more than 400 credit cards, the card strategy is quite simple - to find the core main card (main card). Because the whole family of Card God loves traveling, they put their main focus on mileage return, while the other main card that is usually consumed at home and abroad is Far Eastern International Bank Bank Bank Bank Bank Bank Bank Bank Credit Card. Whether domestic consumption is 1.2%, or overseas consumption is 3%, they can earn a lot of credit card money.
        
         3. With credit card discounts, credit card consumption:Card God holds the principle of credit card consumption: "Never brush unless there is a discount. At present, there are only two main cards, one is the Far Eastern International Bank Bank Bank Bank card, which is used by the whole family to accumulate mileage together to maximize benefits. It's interesting for me to use credit cards. I use different cards for specific channels. For example, when consuming overseas, I will see if there are relatively high overseas returns in the current program of activities. If not, I will use the main card. "
        
         4. Make good use of credit cards to pay fixed expenses:Find out the fixed expenditure at home, and use credit cards to pay, so as to earn 3%-6% of the feedback, and use the bank's activity mechanism to maximize the benefits. But I also want to remind you that you must do everything you can to swipe your card.
        
         5. Pay in full every month:Since the establishment of the card, although the card God has more than 400 credit cards, but never owed the card fee. Credit card is a convenient means of payment, but it is not a lending tool. It will become the people of card slaves. Most of the reasons are that credit card is mistaken as a borrowing tool, but the cyclic interest generated by the arrears of payment of card fees is neglected. In order to avoid falling into the abyss of debt, Kashen suggested that each issue of card fees must be paid in full to avoid falling into the abyss of debt.
        
         6. Credit card annual fee deduction:Remind the public to pay attention to the bills, if found to be charged an annual fee, you can call to ask customer service, can provide relief programs. In addition to the annual fee remission, sometimes you can get some small fortune in life, such as the activities provided by the bank such as "three brushes to send 100 credit card money" and so on. The rate of return is very high.
        
         7. Quick nuclear card tricks:Please provide financial proof first, especially the certificate of fixed salary transfer. If a housewife is a housewife, she can attach a real estate or deposit certificate. In addition, please keep a good record of regular payment and full payment. In the future, no matter applying for credit or housing loan, she can get a better interest rate. At the same time, it is suggested to use ACH to automatically withhold credit card fees, which saves time and effort. It is easier to apply for a credit card if you can get a card from a bank with a "credit record".