Speaking of credit cards, how do we make use of its strengths? Of course, what we know is points, activities, discounts and other activities. In fact, we have other ways to maximize the benefits of credit cards. Below, let's take a look.
First, come first a card
All the big premise requires you to have a credit card, otherwise the amount is someone else's, the points are others', the activity is the business, don't think about it, only the envy of the little red heart is yours. So still come to a credit card first!
When is the best card? This is a positive solution! The first card that Xiaobian owns is the credit card of Industrial Bank. It has 10 times of activities abroad, and each person has a cap of 1 million points, but the score pool is only 2 billion. We assume that everyone is able to brush 100,000 yuan, then only 200 people can enjoy 10 times points.
Second, familiar with your card
If you have a card successfully, you will have 100% familiarity with your card. For example: Mileage is a few to several exchanges, what airline mileage can be exchanged? Which merchants have discounts and discounts? Is there a multiple of points for default overseas transactions? How to convert overseas currency card and so on. Only know the card to use your card!
Third, use the card for mileage
We all know that credit card points can be redeemed for the corresponding gifts, but have you ever thought about using your points to redeem miles? After all, mileage is the most valuable compared to other gifts! China Southern Airlines, Awan is more valuable, you can sell and make a small profit after the exchange, these are more valuable than those gifts!
Fourth, the order of use of credit cards
Maybe when you swipe your card, you never thought about the card and the order? That's right, Xiaobian is here to tell you how to swipe your card to get the most out of yourself.
First use the credit card of the activity class. Pay more attention to the activities of the merchants, such as full reduction, discounts, etc. If you can catch up, don't miss it.
The second is to use cards for points and miles. For example: the overseas brush of China Merchants Bank and Bank of Communications, 10 times the points and 6 times the mileage. These cards allow you to quickly accumulate points and miles.
Finally choose to use cards with high return rates and long interest periods. For example, the Wal-Mart Gold Card of Bank of Communications is the most cost-effective way to go shopping.
Next, Xiaobian will give you a detailed explanation of the Shenka skills:
1. You should choose a formal institution to apply for a credit card, and remember that the application and activation of the credit card are free, except for special cards.
2. Before you apply for a card, you should make a comprehensive consideration of yourself, see what kind of card you need, choose which bank, don't blindly apply, and the weak gold card Platinum card should not be delusional.
3, the application materials should be sufficient, the asset certificate, work certificate, income certificate, etc., the better.
4, must ensure that you can receive the credit call, missed or not, the credit card may not be yours.
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