Many card friends use credit cards mainly for daily consumption, such as food, clothing, housing, eating, drinking and having fun. Of course, they hope that spending by credit card will help them save money. In fact, there are quite a few credit cards suitable for daily consumption. Here, I will take stock of several popular and easy-to-get cards for everyone to have easily.
What credit card is suitable for daily consumption?
1. Bank of Communications Wal-Mart Credit Card:
One of the most suitable credit cards for consumption, especially if there is a Wal-Mart supermarket near home, must have one, which has two major functions of saving money.
One is to register for the hottest week on Friday, spend over 3,000 yuan last month, and enjoy a 15% discount per second in the designated supermarket every Friday of that month;
One is that multi-channel credit card spending can accumulate Wal-Mart points, which can be exchanged for credit card payment. The redemption ratio is 65,438+0,000 points, the monthly redemption limit is 300,000 points, and the annual redemption limit is 2 million points, which can directly deduct the consumption in Wal-Mart stores. In addition, the points can also be used to deduct cash in cashier, APP integral mall, top-up payment, dining area and other scenes.
2. Guangfa DIY Credit Card
Credit cards worthy of application by Guangfa Bank can also be used to save money. The biggest highlight is that you can freely customize your rights and interests. You can choose one of the three categories of catering, entertainment, shopping and tourism as a triple point discount. You can choose only one credit card, or you can choose multiple credit cards, and each credit card that exceeds 1 will be charged an extra fee from 29 yuan.
Don't underestimate this right. The DIY credit card points of Guangfa Bank can be of great use. Not only can you exchange gifts like other credit cards, but you can also directly deduct the consumption arrears, and deduct 20 yuan for every 10000 points. According to the ratio of spending 1 yuan to get 3 points, Guangfa Bank gets 300,000 points for spending 1 0,000 yuan on DIY credit cards, and the annual fee is easily exempted after deducting 60 yuan.
Daily life-credit card
Speaking of credit cards, who doesn't need a credit card? That's right, it's not necessary. As I said before, there is no good or bad knife, depending on what the person with the knife is doing, so is the credit card. There is no good or bad in itself, see how this person uses it. I think shopaholics and pickpockets. Poor control and strong possessiveness. I advise you not to apply for a credit card, because it is not suitable for you.
This article is mainly about the introduction of credit cards and my understanding of credit cards. A more comprehensive explanation of credit cards.
First, introduce a one-year credit card! Credit and debit cards? Credit card is a special card issued by banks or other financial institutions to people with good credit, which is used for shopping and spending at designated merchants or depositing and withdrawing cash at designated banking institutions. It is a special kind of credit certificate. Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. The difference between the two is whether they can withdraw cash. Credit card is also called simple credit service, and another way of saying credit card is also called non-cash transaction payment. The bank or credit card institution issues it to the cardholder according to the user's credit and financial resources, and the cardholder does not need to pay cash when using the credit card, and then repays it on the settlement date. After understanding the credit card, let's explain in detail how to use it, how to handle it and how to operate it.
After knowing what a credit card is, maybe we can't wait to get a credit card, so learn what we need to know before getting a card. 1. Choose a suitable credit card according to our actual situation and actual needs. Let me talk about the classification of credit cards first. First of all, credit cards are divided into the following categories. Universal card, also known as ordinary credit card, the application conditions are relatively simple, and the amount is less than 50 thousand. The second gold card, also called advanced card, will be more strict with the applicant. The quota is around 50 thousand. Triple platinum card is also a relatively high-end card. Banks are more strict with users, have assets, and have some requirements for users. Platinum cards will have more rights and interests. Four diamond cards, also VIP cards, banks have high requirements for customers and many corresponding rights and interests. Five black cards, legendary cards. Just be awesome. After talking about levels, let's talk about the classification of credit card functions! Co-branded card, a co-branded card is a kind of credit card issued by issuing banks and for-profit organizations, with some additional functions and rights according to the agreement between banks and merchants. For example, if you like Taobao shopping, you can use Taobao co-branded cards, and online shopping can enjoy some discounts. Standard card. Standard card is a kind of credit card issued independently by banks. The function of standard credit card is mainly used for daily consumption. ID card, ID card is a kind of card with public welfare function, which has the same function as standard card, but belongs to public welfare, and the consumption has a certain proportion of public welfare! Day card means that in our daily life, we can earn points through online and offline consumption, and points can be exchanged for benefits in corresponding channels. If you shop frequently, you can choose this card and exchange more things. There are also some cards that have other functions, such as theme cards, student cards, shopping cards, owner cards and so on! According to the different functions of the corresponding card, the income is also different. You can choose the right credit card according to your own needs, understand the classification of credit cards, and then see how to apply!
Credit card applications can be processed online or offline, and offline processing means going to the bank to apply for a credit card. Requirements 18 years old and above, with legal and stable income and good credit. Provide the corresponding identification. Proof of work (no economic proof is needed now). Having the financial resources to prove that it is easier to get the favor of banks and make the credit card quota higher! Proof of residence. But it is relatively simple to apply for a credit card now. In short, just provide any materials you need! Online processing is easier, just fill in the information as required!
Let's stop here. After opening the card, handle the general credit card. In order to promote consumption, banks usually have card opening discounts. Now, in order to let people apply for credit cards, banks generally have good card opening discounts. For example, send a suitcase, send a backpack, or even send money directly. Opening a card is to activate the credit card and meet the corresponding conditions. The bank will send the corresponding card opening gift, and friends who don't know must not miss it.
When the credit card is activated, it is necessary to know a few knowledge points about the credit card. Generally, when you receive a credit card, it is an envelope. There are several points to pay attention to when opening envelopes. When the credit line is opened, there will be a piece of paper with the number of credit lines, accounting date and repayment date written on it. When are the billing date and repayment date? There is an interest-free period between the billing date and the repayment date. What is a credit line? According to your application, the bank will issue a credit line after examination, and the cardholder can spend within this line. Generally speaking, it is how much money you can use! The initial credit limit is the credit value obtained by the credit scoring system according to the information provided by you, and then converted into the credit limit. Many people want to increase their credit limit. In order to use many methods, the key to a credit card is the word credit, so a good credit will make the bank think you are reliable and increase your credit limit, and the bank is willing to lend you money. ) Then there is proof of financial resources. Because of the money, the bank will choose to lend you money. The issuing bank regularly summarizes the cardholder's credit card account and various transaction costs in the current period on the billing date, and summarizes the date when the cardholder should repay in the current period. Interest-free period For consumer transactions, it is an interest-free period from the bank bookkeeping date to the repayment date. If Xiao Wang spends money in August of 19 and settles the account on September 16, he can enjoy the interest-free period of up to 50 days on the repayment date of June 10.8. If he spends in August 18, then only. Minimum repayment amount The minimum repayment amount given to the cardholder by the issuing bank in the current period. It is worth noting that the money that exceeds the minimum repayment amount will not generate interest, and then be repaid on the next billing day. If the retention money on the repayment date is lower than the minimum repayment amount, the unpaid part of the minimum repayment amount shall be paid, which is generally 5% of the minimum repayment amount. For the card that exceeds the credit limit, the bank will charge the excess private placement fee, which means that the card is maxed out! Grace period The so-called grace period means that it is collected from the bill to the account outside the interest-free period, but the bank has a certain grace period, and repayment within the grace period is also effective. About the higher the credit card limit, the better? Many people want their credit card limit to be high 1, but the general credit card limit is related to your financial resources. Owning too high a credit card may bring unnecessary trouble, because there is a risk that the credit card will be stolen. If your credit card is unfortunately suspected to be lost, you don't have to report the loss even if the bank compensates. As long as there is enough credit card limit.
Next, let's talk about some knowledge in the process of using credit cards! First of all, everyone should know that there is an annual fee for credit cards. Therefore, if you can use a credit card at ordinary times, use it as many times as possible, and remember to cancel the unused credit card. How do we usually use credit cards? As we all know, in addition to daily consumption, we use credit cards for many other benefits. You don't need to bring cash for daily consumption. Although there are WeChat Alipay and the like, there is no need to put money on WeChat. Money can also be used to generate interest and reduce our usual cash flow reserves. No matter whether it is a family or an individual, the extra money can be used for investment and generate interest. In order to meet the daily consumption and emergency reserve, we have left some cash. If you use a credit card, you can reduce the cash and invest the extra money in financial management, and the money is still a short-term interest-free loan. In addition, we usually spend money by credit card, and there are many activities using credit card. (Because the purpose of credit card is to promote consumption, the bank will definitely find ways to promote our consumption. Activities are just one way, such as I usually charge discounts, eat, pay utilities, buy train tickets and take the subway. In addition, we still have points for our usual consumption, and we can also exchange these points for benefits. In addition, credit cards can also be used in emergencies. Credit cards can take out money when we usually need it for emergency use, and then pay it back when the repayment period comes. There are still many benefits and benefits of using credit cards in life, so I won't list them one by one, but I will look for them carefully in my life!
Credit cards have such advantages in daily life. Since there are good ones, there are bad ones. As I said before, the quality of knives depends on other users, and so does credit cards. Why else do many people dislike credit cards? Then let's talk about the disadvantages of credit cards! I have talked a lot about the basics of credit cards. Part of the disadvantage of using a credit card is that you don't know the corresponding basic knowledge, such as retention money and over-limit fees! Careless use of credit cards has caused some bad effects, but on the other hand, it is also its own reason. As I said at the beginning of the article, those people don't recommend using credit cards. 1. is the question of annual fee. The rules for setting annual fees for various credit cards are also different. Many people ignore the annual fee, which leads to the annual fee. If you don't use a credit card, you must remember to cancel it. 2. Be sure to know your credit card bill and repayment date. There are usually reminders now, but don't forget to repay them on time. Because of negligence, there are many problems. Be sure to pay back in full, 1 cent, because if it is less than 1, the bank will charge one tenth of the bill, so don't underestimate a penny. Be sure to pay back in full. As I said before, the credit card is maxed out, and this part of the money is generated by the maxed-out credit card. Reasonable use of credit card limit. Late payment fee, if there is no minimum repayment amount, the repayment will not be paid. In addition to unpaid interest, there will be a late fee. In addition to not knowing the expenses caused by other reasons, there are also many expenses caused by their own reasons. Blind consumption, because credit card consumption, can't see cash, no capital expenditure, feel that they have not given money, and are not so sensitive to money, which is most likely to lead to blind consumption. Excessive overdraft, as far as the current society and environment are concerned, although there are also reasons encouraged by merchants, the biggest reason is oneself. Many people spend ahead of schedule and overdraw, resulting in inability to repay. Don't withdraw credit cards easily. Some people don't know that cash withdrawal by credit card is the same as bank card. Credit card withdrawal and bank card are two different things. Not only do you have to charge interest, but the daily interest rate is not low, five ten thousandths. Don't cash out in large amounts, you need cash, or you need funds for emergencies. Some people will choose to cash out by credit card, which is risky for both cardholders and businesses. Although the cash has been obtained, the borrowed money must be returned. Once you exceed your repayment ability, there will be a lot of expenses. Nowadays, all kinds of small advertisements outside not only have to pay higher fees, but also may cause the loss and disclosure of personal information. There is also the risk of being stolen, especially the pv code of the credit card. Once leaked, there is a great risk of theft. Overoverdraft, repayment on behalf of others, this deception, some people can not repay in time because of overdraft, resulting in late fees, so find someone to repay. In fact, this essence is that you have to pay back the money after a round of cashing, you may also be cashed out, and you may be cheated of a lot of money. Generally don't lend your credit card to others at will. What if the credit card can't pay back the money? Many people spend money, but this is not the case. They often use the minimum repayment amount. Although the minimum repayment does not affect the credit, the longer the time, the higher the interest. If they are short of money, they must solve it through legal channels. There are also credit card arrears, bank dunning, and you can apply to the bank for deferred repayment and interest concessions. Generally, such banks will agree, because banks also want to get their money back.
Share some more, some applications of credit card to financial management, and summary! Although credit cards have many advantages, they also have some disadvantages. Finally, it depends on how users are! People who can't control their consumption desires brush regardless of their repayment ability, and they don't do well! Lazy, too lazy, really lazy, I really have no choice. People who don't even bother to look at the bill don't know how much it will cost, so don't do it! I'm not interested in interest-free arbitrage with credit cards. I don't know how to make money. what are you going to do？
How do you manage your money with a credit card? The saving function of the credit card is RMB 6,543.8+0,000 yuan, which is interest-free and can be deposited in 200 yuan at an annual interest rate of 3%. Enjoy some discounts on activities with credit cards, especially some important discounts. For example, the activity I used cost 20 thousand yuan to 200 yuan, and I only need to decorate it, so I saved 200 yuan. It is not difficult to borrow money. If you are in a hurry to use the money, the deposit is not due yet, the capital turnover is difficult, and you are embarrassed to borrow money from friends or you can't borrow money, you can use a credit card at this time. Credit card to keep cash flow. Xiao Zhang is very clever with cards. He uses two credit cards, which are staggered and enjoy the longest interest-free period. You can also get a discount on the cost. If you use a credit card, you can get a discount of 10% on some fees. Credit card points, annual commodity fees, discount coupons, cash, etc. Credit cards can be used in many preferential ways.
Finally, please use your credit card. Because the credit card is not easy to use, it may be a bad idea and turn people into card slaves. If we make good use of it, then credit cards can bring us tangible benefits. Credit card has become a good tool for our financial management and enjoys the benefits brought by credit card. Finally, remind everyone to use the card correctly and spend reasonably. Rational consumption and timely repayment. Don't put money in the credit card, and get into the good habit of keeping accounts!
Your appreciation is my greatest encouragement, and your concern is my greatest support!
What credit card is worth doing? Don't miss these five credit cards!
Nowadays, more and more people like to use credit cards for their daily consumption. There are many kinds of credit cards on the market, which makes many card friends wonder how to choose. A card friend came to consult. 20 19 What credit cards are worth doing? Here are five credit cards with good equity.
1, China Merchants Bank Youth Card
China Merchants Bank YOUNG Card is specially designed for young people, and anyone under 30 can apply. New users can get one third of brand luggage, electric shaver and 1000 credit card. You can enjoy double points in the birthday month and withdraw 100% cash. The first cash withdrawal of each natural month is free, which is very suitable for Xiaobai who is new to the workplace.
2. CCB Longka Automobile Card
As one of the necessary credit cards for car owners, credit card consumption points can be converted into gas charges at the rate of 4%, and 10000 points can be converted into 4 yuan RMB, and the car can be washed once a week for free. Cardholders can also call customer service to enjoy national road rescue services free of charge, including on-site quick repair, spare tire replacement, electricity pumping and towing around 15km (three times a year).
3. Pufa Beauty Credit Card
UnionPay Platinum Card, with no threshold and no annual fee, focuses on women's consumer rights. New residents can get rich gifts by swiping their cards and spending up to the standard: 88 yuan credit card, two movie tickets, phone bill, JD.COM e card, suitcase/L 'Occitane gift box, etc., and their rights and interests are very rich.
4. young Series Platinum Credit Card C Debut Edition
Agricultural Bank of China 20 19 new youth card, entry-level platinum card, the rights and interests are very real. The minimum repayment amount is 5%, the overdraft interest rate is 30%, the deposit bears interest, and the first withdrawal every month is free, which can alleviate the pressure on young users. Airport 1 yuan parking, airport CIP quick security check and lounge service are all very attentive.
5. Everbright Tik Tok Co-branded Credit Card
One of the popular cards of China Everbright 20 19, the validity period is free of annual fees, and online transactions can be scored. Shopping on major platforms can be reduced at random, with the highest reduction of 188 yuan for shopping in JD.COM and 50 yuan for shopping in Suning. It is a shopping god card. With the UnionPay Platinum Card, you can also enjoy the travel rights such as 3:00/ year airport VIP room service or 6:00/ year high-speed rail VIP room service.
How to use a credit card is the most cost-effective? These are the best practices.
Credit cards have been widely used, allowing people to buy their favorite goods in advance, but how to use credit cards is the most cost-effective? Do you usually use your credit card? Let me give you a detailed introduction to Daji, so that you can master the skills of using credit cards.
Credit cards should make full use of the interest-free period when used. At this point, users need to remember two time points, namely the billing date and the repayment date. Generally speaking, consumers can enjoy the longest interest-free period on the day after the bill date of a credit card and the shortest interest-free period on the day before the bill date. Therefore, daily consumption should be arranged as far as possible in a few days after the bill date.
The main function of a credit card is to spend money by swiping it. But many people will withdraw cash when they use it, which will be very uneconomical. You can't enjoy the interest-free period because your credit card is overdrawn. The withdrawal amount is calculated at the daily interest rate of 0.5 ‰, and the withdrawal fee is deducted.
Credit cards will charge an annual fee for daily use. At this time, the bank introduced an annual fee-free policy, which is generally reduced according to the number of credit cards. In order to avoid the expenditure of annual fee, users should often use credit cards in their daily lives, which is quite beneficial to cardholders.
If you want to use a credit card, it is the most cost-effective. Users must repay on time after using credit cards, and there can be no overdue repayment. After all, there will be penalty interest for overdue repayment, and the longer it takes, the more penalty interest will be generated. At this time, it is very unfavorable for cardholders, and it will also affect personal credit information after overdue repayment.
When individuals can't repay on time, users should borrow money from friends around them, and it is best not to choose the minimum repayment amount. Although this will not cause bad records, it will generate extra interest. In short, it's really not worthwhile! Try not to use installment payment.
What kind of credit card should I apply for for daily consumption?
The following may be:
1. Bank of Communications Wal-Mart Credit Card:
One of the most suitable credit cards for consumption, especially if there is a Wal-Mart supermarket near home, must have one, which has two major functions of saving money.
One is to register for the hottest week on Friday, spend over 3,000 yuan last month, and enjoy a 15% discount per second in the designated supermarket every Friday of that month;
One is that multi-channel credit card spending can accumulate Wal-Mart points, which can be converted into credit card payment. The conversion ratio is 1 0,000 points: 1.5 yuan, with a monthly conversion limit of 300,000 points and an annual conversion limit of 2 million points, which can directly deduct the consumption in Wal-Mart stores. In addition, the points can also be used to deduct cash in cashier, APP integral mall, top-up payment, dining area and other scenes.
2. Guangfa DIY Credit Card
Credit cards worthy of application by Guangfa Bank can also be used to save money. The biggest highlight is that you can freely customize your rights and interests. You can choose one of the three categories of catering, entertainment, shopping and tourism as a triple point discount. You can choose only one credit card, or you can choose multiple credit cards, and each credit card that exceeds 1 will be charged an extra fee from 29 yuan.
Don't underestimate this right. The DIY credit card points of Guangfa Bank can be of great use. Not only can you exchange gifts like other credit cards, but you can also directly deduct the consumption arrears, and deduct 20 yuan for every 10000 points.
According to the ratio of spending 1 yuan to get 3 points, Guangfa Bank gets 300,000 points for spending 1 0,000 yuan on DIY credit cards, and the annual fee is easily exempted after deducting 60 yuan.
The main features of credit cards:
1. Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.
2. Credit card has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;
Credit card is a high-tech product integrating financial business and computer technology.
4. Credit cards can reduce the use of cash and currency;
5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;
6. Credit cards can simplify the collection procedures and save social labor;
7. Credit cards can promote commodity sales and++social demand.
Main types
According to the different card issuers, it can be divided into bank cards and non-bank cards.
Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.
Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.
According to the different issuing banks, it can be divided into corporate cards and personal cards.
Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.
Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.
According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.
Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.
Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.
Credit cards can be divided into credit cards and debit cards according to different payment methods.
Credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". At present, most of the cards in circulation in the world are of this kind.
Credit and debit cards. It's a credit card issued by the bank. Deposit first and then spend. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.
This concludes the introduction of daily consumption credit card and daily consumption credit card with interest. I wonder if you found the information you need from it?