Using credit card finance (some experience)

 Credit card payment is nowadays an indispensable tool for consumer credit function because of its convenience, they often make unconsciously overruns, the more debt the more important card. In fact, mirror the difficulties liabilities caused entirely their own, Little do they know proper use of credit cards is a good financial tool for it, I used the card for many years, slowly summarize some card ideas and share with you.
a guide rational consumption
Since it is credit cards, of course, is the largest consumer use, keep a good sign of consumption per share documents with the bank statement reconciliation, when checked individually, case by case analysis, every time I reconcile personal consumption is a major check on the will know that they have a complete account number of irrational consumer behavior, which the consumer, which can postpone consumption, consumption of which should never do know the answer immediately, and slowly becomes easy to control shopping. Money in addition to open Learn to throttle the source.
Second, clever use of interest-free period has earned an interest-free credit spreads
period, that is, to encourage banks to provide the consumer to defer payment of benefits, since it is matter of course to their advantage to full use. My approach is to talk to the bank entered into a repayment account in full, daily consumption on the use of credit cards, if there are two or more hands of the credit card, the card can use different the balance sheet date to lengthen the repayment time. in vain with the bank's money to buy things they need, but their money is interest-free period can be created for their own investment income, demand at least can make some interest on it for their own, You might say that time is not long to have much income, do not forget the phrase section of the agreement, expires automatically deduct payments, so banks do not earn from my hand overdraft interest.
Third, establish a good personal credit
larger banks in the payment of the loan amount (for example: mortgage, car loan, etc.) the first consideration is the customer's credit status, repayment ability, I said in front of their card and repayment of the set, so my bank's credit record has been good, and good Record not only to bring their own higher credit limit, and in the approval personal loans no credit history than those who enjoy good benefits and relatively simple procedures.
four, integral number of records and harvest
are by credit card spending to total points, each spending a dollar to score a point, at any time through the integration can help to understand and adjust their daily expenses, beginning of each year can also use points for prizes with the bank, the kinds of things that a lot of it, Some small things is not only sophisticated but also practical. Now banks in order to encourage and retain cardholders with good credit issued from time to time there will be coupons, I have sent two consecutive years, received free beauty on bank cards, Starbucks Kafei Quan, movies what votes.
five, the use of joint card
many banks to strengthen ties with the business, often co-branded cards will be introduced, in addition to the benefits of these cards I listed above, there is a greater benefit is that shopping can be discounted, this is different from the business daily discount promotions, the nature of co-branded cards with the consistent nature of membership card.