By the way, it is enough for one person to have three or five cards. Never leave many cards for food. )

However, many people are simply turnover and have no deep understanding of it.

From a personal point of view, how to play with credit cards, then the rivers and lakes that play with credit cards can be roughly divided into three factions.

They are integral stream, equity stream and quota stream. First, we enter the integral flow.

1

Integral flow

The new game of integral flow is actually very simple, that is, in a word, credit cards get points and points are profits. What do you mean? Let's explain.

Although there are many unfamiliar terms in the circlip, such as MCC rate, which seems difficult to understand, they all revolve around these two words. Let me emphasize again that credit card points are profits and will never change.

A little more detailed explanation is that the points earned each time you swipe your card, the higher income of the card handling fee obtained through appropriate cash-out channels, this is where the profit of playing cards lies, so where does the profit come from?

Let's push it backwards. Most cardholders who don't play cards have also heard of redemption of points for gifts, right? Even if you didn't exchange gifts, you should have heard of Unicom Telecom or supermarket membership card to exchange your points.

Therefore, the general idea is that the integral is only a small profit, and the feedback given by the merchants is just anodyne. Ordinary points can be exchanged for shopping malls, like those in the mobile APP, which can be exchanged for pots and pans, bags and stationery!

It is impossible to make money anyway, but it is not the case.

Because you haven't opened the door to the new world! Everyone who plays cards knows that hotel points can be exchanged for air miles to generate profits, so let's calculate that the highest reward ratio of ordinary points for shopping mall gifts is 0.2%, while the reward ratio of hotel points for air miles is almost 1%.

Then the handling fee rate of credit card is 0.6%, and 80% people exchange points for shopping mall gifts, so the bank accounts for 0.4% of the profits, and 20% people exchange mileage and hotel points to earn 0.4% of the profits of the bank. This means that 80% people who don't play cards have accumulated points, and then the remaining 20% people who play cards earn more value with points.

And this is the main source of profit for individuals to play cards. As for the bank's activities, such as trading nine points for Starbucks, in fact, it is essentially to increase the profit of points, because it is too scattered and it is all small profits. I thought it was too small to get on the table, so I skipped it.

So how can I maximize the value of the integral I just mentioned? Then we have made it clear where the profits come from, leaving the last question.

Where the integral comes from is simple. Of course, the integral is brushed. However, there are dozens of credit cards in banks, and each bank has issued various cards with different rights and interests rules for different customer groups. Not every card has points. For example, for the same card of China Merchants Bank, there are points for swiping Alipay, but there are no points for swiping WeChat. Similarly, it doesn't get points when it swipes Alipay and China Merchants Bank 19, while Shanghai Pudong Development Bank can get five points when it swipes a dollar!

So to earn points, you just need to remember to avoid these pits. For example, if bank A has no points, then find bank B to brush channel C. If there is no dot, then brush the D channel.

What's more, the bank's activities are all the rights and interests of multiple points or cards, which itself comes with the rights and interests of multiple points, so the points are relatively easy to save! In short, the core of credit card profit is to maximize the value of points.

2

Equity flow

The flow of rights and interests is summed up in one sentence as a paradise for hedonists. Live a high quality life at low cost. This genre can run through the rights and interests of air tickets, hotels and aviation.

Friends who can play the rights and interests will make rational use of these rules to improve their quality of life, so the circle of friends of these people is quite high.

Travel pick-up, VIP lounge, first class, accommodation, Le Kai, Marriott and Shangri-La suites are all spent through American Express Centurion UnionPay Diamond Kavisa Unlimited Card master. The world's pole card flies all over the world to punch in all kinds of tall online celebrity hotels.

Then, in addition to air tickets, hotels and airlines, it also includes the three major sectors of Haitao's cash back. Generally speaking, the types of realizing rights flow can be subdivided into two levels. The first is the initial equity flow, which is mainly to participate in bank discount promotion activities, or exchange points for some pots and pans, and occasionally resell some gifts to earn some pocket money. It takes a lot of time and energy to listen, which is not recommended!

So what is an advanced income stream? For example, buying and selling Apple mobile phones, Maotai, Starbucks, prepaid cards, JD.COM or Amazon cards. If the market is good, it is not a big problem for a single person to earn 20,000 to 30,000 yuan a month, but it is unstable.

There is also the operation of trading air miles and hotel points, at least millions of miles, or points trading is done well, and many people earn hundreds of thousands a year.

In short, a few years ago, when the bank's rights and interests were good, there were still many people who could make so many gains on their own. If it is operated on a large scale, the profit will be very scary. In the era of brutal development of credit cards, many people have gained wealth freedom through the flow of rights and interests.

three

capital flow

Finally, let's introduce the capital flow, that is, the time value of using funds.

First of all, you should know that funds have time value. What is a qualified fund file? A qualified fund file is a person who creates income with the available funds in his hand, and the income created is far greater than the cost of capital. Credit card handling fee and annual credit card fee are not worth mentioning in the fund file!

Because you will find that the more rigid the credit card is, the risk control is another mode, or there is basically no risk control, such as the centurion of China Merchants Bank, the diamond card of Minsheng or the ultra-white card of Pudong Development Bank. When the funds flow through these cards, I will know!

The annual fee is simply too cost-effective for the risk of capital chain breakage, and the starting amount of rigid annual fee credit cards is also larger. This welfare is a long drought for the quota flow, so in a word, when you are desensitized to the annual fee, then you begin to embark on the road of quota flow and even jam.

Then the flow of funds can be divided into two grades. First, the first is the initial capital flow. For some young people or small business owners, they often turn around with credit cards when funds are tight. I believe that all your friends around you operate in this way.

The second is the high-level capital flow. For example, in this era of housing classification, the previous financial supervision was not very strict. A few years ago, many people used cards to buy houses, but this is also a junior and high-level person who will invent an advanced game called freecell.

Of course, when the golden dragon is empty, more colorful gameplay will be derived. Generally speaking, high-level capital flow is to skillfully use the time value of credit card funds to find higher arbitrage space. You may not be exposed to these cases around you.

Let me give you a small example to illustrate. There is a way for college students to buy Maotai as I mentioned earlier. We know that the market of Maotai is very tight, especially during the Chinese New Year, many dealers drive drivers to hoard goods to push up prices, resulting in no Maotai circulation in the market, so in order to crack down on this behavior of Maotai.

Every day, in its own channel, Tmall JD.COM Suning will start snapping up at a price of 400 to 500 below the market price, so as to force dealers to submit.

In fact, the effect is not obvious, and the price remains high! In this case, many people stare at the time to grab it.

In fact, few people knew this information before, so this student would rob it every month. When he collects it at home, it is about the profit per bottle of 400 yuan. You can use this information to calculate how much money he can earn. The operation process is also very simple. You can buy Maotai through these channels.

Credit cards are used to the extreme.

First of all, we must specify two dates, billing date and repayment date, and then we must know that banks like your credit card consumption and installment consumption best! Then you should know that the interest-free period of credit cards is generally from the billing date to the repayment date of next month. For example, if the billing date of a credit card is the 5th and the repayment date is 15, then the money you swiped on the 6th will be returned on 15 at the latest next month, with an interest-free period of 40 days!

Usually, all meals and shopping are tied to credit card consumption. The more you spend, the better. Need to cash out, on the basis of diversified consumption, occasionally large cash out, is also possible.

Specific operation points: make maximum use of credit cards, and swipe your card casually before the bill date, which can be more than 80%. But be sure to pay back some money, preferably 30% of your credit limit, the day before the bill date. Then when the bill date comes out, your bill amount will not be very large, and it will not exceed 80% of the credit card limit. In this way, the debt and credit card limit utilization rate shown in your credit report will be relatively low, and the bank will think.

Finally, to sum up, some bills have been lowered a few days ago to reduce the debt ratio. If every credit card does this, it will have unexpected effects!

Credit card is very important to our society today, and it is also a necessary skill that we need to make full use of. Let me tell you how to use credit cards to the extreme:

1. Calculate the elapsed time

The interest-free period of credit card consumption is a floating time. The shortest interest-free period of a credit card is 25 days, and the longest interest-free period is 56 days. As an ordinary consumer, you can calculate the repayment date of consumption, which can occupy credit funds for the longest time. Can generate some interest. If you plan to buy a TV set, 10000 yuan, and the funds are already in place, you can spend 1 1 day. If you spend 3 1 day with your card next month, you will get an interest-free repayment period of up to 56 days. If the repayment is made on the last day, your 1 10,000 yuan cash will be 56 days more, or its deposit interest. Second, you can also enjoy the fun of consumption in advance.

2. Seize the promotion opportunity and double the points.

3. Grasp the information of special merchants and earn enough benefits.

Bank credit cards are "bound" to a number of special merchants. These businesses include restaurants, clothing stores, beauty shops, car wash shops and so on. These special merchants will enjoy special discounts when they spend a certain bank card. For example, you can enjoy a 15% discount when you check out and swipe your card in characteristic hotel, and the accumulated money is also considerable.

It is understood that for the list of these special merchants, some banks send it to cardholders by mail, and some banks publish the list of special merchants on their own websites, and mark the preferential conditions for enjoying the preferential scope, so as to facilitate users to find it in time.

4. New product preferential policies should not be missed.

Generally, banks have certain discounts on new products, ranging from giving points to giving gifts. For those who have not yet applied for a credit card, it is also one of the ways to skillfully use the credit card when the bank has just launched a new product.

I'm glad to answer this question. How to use credit cards to the extreme? I think when you ask this question, is the idea in your mind to make the best use of the credit card limit and term? If you can spend it like this, both the bank and you will win.

First of all, you can spend by credit card, which shows that you have strong spending power. Banks also encourage customers like you to spend money. For the bank, as long as it is brushed out, no matter who bears the expenses, the bank's income is stable and risk-free. For consumers, it is convenient and can be extended for more than one month, which completely occupies the bank's funds.

Second, if it is not real consumption, but swiping each other's bills, cashing out will make the money to the extreme. For the cardholder, it is nominally free money, but in fact, the handling fee has been paid at the rate, which is equivalent to a loan, and at the same time it bears the risk of violating the regulations on the use of credit cards. Credit cards should really be called consumer credit cards, and banks are forbidden to cash out.

Third, if you have money after spending by credit card, you just think it is more convenient to use it, which is understandable. If you don't have the funds, but you spend in advance or satisfy your shopping desire, it is very dangerous. Once the credit card is not returned, there is a bad record on the credit report, and the penalty interest is extremely severe, even more amazing than the "Huang Shiren" interest calculation. At this rate, it will be difficult for you to turn over.

Fourth, we must have a correct concept of credit card consumption, and we must not withdraw cash illegally or spend in advance. Credit cards will bring great convenience to cardholders only when they need urgent turnover, or when they carry cash or are inconvenient to use.

5. Credit cards should be used carefully and not lent to others, otherwise it will bring extremely adverse effects.

6. Don't try to figure out how to use credit card funds to the extreme, but devote yourself to hard work and making money. Credit card will bring timely help and icing on the cake to life and consumption.

When you use a credit card, you should use it outside as much as possible. Whether staying in a hotel, traveling or shopping in a store, you can swipe your card. Credit card shows that you have a good habit of using cards, and banks prefer such people.

On the other hand, you don't have to pay back every time you swipe your card. You can do it in stages appropriately, and he will increase your quota only if you let the bank make money.

On the other hand, when you don't use up this quota every month, keep a part, because the bank will think that you have used it up, and the bank will prove that you have spent too much and overspent a little. The bank doesn't want to increase your quota. He thinks it's risky. Generally, credit cards are swiped, that is, during the day, and try not to play at night. Just swipe your credit card during the normal business hours of the store.

Another point is that if you stagger these two times by one billing day, you will have nearly two months of repayment time, and your capital turnover is still relatively long. If you use the bill and come out to brush it, I will remit the money and he will count your money to the next bill date. I wish you a happy card.

The problem described in the question is simply shared by me through my own experience in using the card, hoping to help you.

If you want to use credit cards to the extreme, you must grasp three key points. Only in this way can you turn your credit card into a tool to make money and save money.

As we all know, the interest-free period of credit cards is very long, but when to do it is the key. Many people have a bad grasp of the consumption day, thus missing the long interest-free period. Generally speaking, if you spend money after the bill date, the money will be charged to the next bill, and you only need to repay it before the next repayment date. It should be noted that the billing time of each bank is different. Usually, the last bill can only be generated one day after the bill date. Many people spend money on the billing date, and some banks charge their accounts from the afternoon of the billing date 18. In this way, consumption will miss the long interest-free period, so if you want to enjoy the long interest-free period, you must arrange consumption reasonably.

Many card friends reported that the bank had launched any installment preferential activities, but they didn't need them, so they didn't handle them. There are even some shopping vouchers and points deduction activities. Of course, you can participate in these activities according to your actual needs. It is a dream of many people if you can enjoy a 50% discount on handling fees in installments. Since there is, we must participate. Imagine, if you have not created any value for the bank, why should the bank give you an amount? Other preferential activities, such as vouchers and points deduction, can save money and you can choose to participate according to your own needs.

In the process of using the card, many people have seen the bank release the temporary quota to themselves, and some card friends will use it directly, but most card friends feel that they don't have that consumer demand, so they give up this quota. Actually, this is not right. The temporary quota is a signal that the bank releases the fixed quota, as long as you use it normally according to the regulations and pay it off before the expiration. This is the bank's evaluation of personal card records, so as to transfer the temporary amount directly to you. There are too many such cases around. I suggest that you must grasp the right to use the temporary quota.

At the end of the article, I want to send you a sentence. The use of credit cards must be done: there must be a good number of cards, proper use, and skill in raising cards. This is the real way to manage money!

First, calculate the consumption time. The interest-free period of credit cards is floating time. The shortest interest-free period of a credit card is 25 days, and the longest interest-free period is 56 days. As an ordinary consumer, you can calculate the repayment date of consumption, which can occupy credit funds for the longest time. Can generate some interest. If you plan to buy a TV set, 10000 yuan, and the funds are already in place, you can spend 1 1 day. If you spend 3 1 day with your card next month, you will get an interest-free repayment period of up to 56 days. If the repayment is made on the last day, your 1 10,000 yuan cash will be 56 days more, or its deposit interest. Second, you can also enjoy the fun of consumption in advance.

Fourth, the preferential policies for new products should not be missed. General banks have certain preferential policies for newly launched products, ranging from giving away points to giving away gifts. For those who have not yet applied for a credit card, it is also one of the ways to skillfully use the credit card when the bank has just launched a new product.

Use the account period of more than one month to relieve the financial pressure. For example, the repayment date of each month is 19, so basically I won't use this credit card after 10, because it is meaningless to repay after 10, and it is only a point at most. It is best to use it just after the repayment date. For example, if the repayment date is still 19, then the consumption will be concentrated between 20-30, so that the repayment will be made on 19 next month and the account period will be fully utilized. So everyone has two credit cards, and the repayment dates are staggered, which makes perfect use of the account period.

Nowadays, more and more people hold credit cards, and I have several cards that I have been using. Let me share my experience in using credit cards: in daily life, I should swipe my card where I can spend, and try my best to diversify my consumption, such as hotels, restaurants, shopping malls, gas stations, payment and online shopping. And swipe my card as much as possible every month, the consumption limit should not exceed 70% of the credit card limit, keep timely repayment, and the bill should be properly phased. In this way, banks can also earn some handling fees, which is very helpful for raising the amount. I have used the gold card for less than two years. At first, the fixed amount was 4,000, but now it has been raised to 31,000, and the temporary amount is 68,000.

There is no need to use the bubble economy in advance. I owe more than 200 thousand on my credit card, and I haven't moved it yet I started the UnionPay software to return it. . .

How to use the credit card and how to operate it?

How to use:

1. Keep credit cards, identity documents, mobile phones or other electronic devices used to bind credit cards properly.

2. Keep personal information and card information (including expiration date, CVV2, etc.). ), relevant letters and short messages sent by Party B and other information.

3. Set, keep and use the transaction password correctly; For the transaction completed by the mobile phone dynamic verification code, the dynamic verification code is regarded as the transaction password; Party A shall not disclose the password and dynamic verification code to others.

4. Pay reasonable attention to the credit card environment (including but not limited to real scenes and network environment) and avoid using credit cards in dangerous areas and websites with low trust.

5. Pay close attention to the announcements and risk warnings issued by Party B in time. ..

6. Other necessary measures to prevent risks that should be taken.

Operation process:

1, check the user guide:

After receiving the credit card issued by Party B and the attached card letter, Party A shall timely understand the information listed in the card letter, carefully read and abide by the credit card business regulations and related explanatory materials such as the User's Guide publicly disclosed by CCB. If in doubt, please consult Party B through Party B's customer service telephone number, website and other channels in time.

2. Activate the card:

Party A activates the card in the way specified by Party B, and immediately signs the same name as the application materials in the signature column on the back of the card; If Party A needs to sign the card for confirmation, it shall use this signature.

3. Set the password:

Party A shall set the credit card telephone banking password and transaction password through the channels designated by Party B. The credit card telephone banking password is applicable to the identification of Party A calling Party B's customer service telephone number; Credit card transaction password is applicable to the confirmation of credit card consumption and cash advance.

4. Normal credit card consumption.

Extended data:

Credit card repayment related matters:

1. Pay attention to regularly checking the statement and actively checking the accounts. If you don't receive the current statement, you should contact Party B to reissue it in time, and you can't refuse to repay on the grounds that you don't receive the statement. If you have any questions about the contents of the statement, you should inquire Party B within 50 days after the transaction date and apply for reading the purchase order.

2. Party A shall cooperate with Party B for verification after raising the transaction objection, and provide corresponding verification materials as required by Party B. If the transaction result is verified, it shall be borne by Party A, and Party A shall pay the handling fee for reading the order. For the transactions that have raised objections, Party A shall still repay the amount listed in the statement on schedule, except that Party B agrees to exempt Party A from the repayment responsibility before the due repayment date.

3. The debts incurred by Party A due to the use of the credit card shall be repaid in the corresponding currency through the relevant channels allowed by Party B in time, or through the agreed account repayment method. When Party A chooses the agreed repayment account, the agreed repayment account shall be a cash account.