I have used my credit card for more than ten years. Tell me how I feel.

Some people say that you can't control yourself with a credit card, and money will shine, but I think it is a good financial management tool.

I have two credit cards, one for Pufa and one for Zhang Zhongxing, which add up to 1 10000, which is more than enough for spending at ordinary times. Since we have WeChat, Alipay and UnionPay flash payment, I have hardly taken out these two cards, because I have bound these applications, opened fast payment and directly scanned the code.

I was worried when I first started using express payment, mainly because I was afraid of swiping my card. Later, I simply bought a bank security insurance, and then the credit card set the maximum amount of each transaction every day, so I was more at ease when I swiped the card.

Binding credit card consumption is still beneficial. People can enjoy some benefits of the platform. In addition, credit card points are calculated as usual, and sometimes the points will double. For example, last year, Bank of China bound Alipay Express Payment, and the points were settled five times, with a maximum of 50,000 points per month.

Points can be exchanged for gifts, and the gift quality of BOC is still very good. If you don't want to exchange gifts, you can also exchange vouchers, such as phone bill recharge and Tmall supermarket vouchers. At the beginning, the bank of China gave me a quota of 50 thousand, but I didn't want it to be that high, so I dropped it to 20 thousand. As a result, I tried to save some money, but I didn't get the promotion quota. This big bank is different and very noble!

China Bank is really much better at redemption of points. Everyone spends one yuan and one cent. China Bank has many gifts to choose from, but Pudong Development Bank has nothing to change, and the required points are still very high. It is also a coupon for Tmall Supermarket. Pudong 50 yuan needs more than 65,438+10,000 points, while BOC only needs 30,000 points. Mobile recharge 100 yuan, Shanghai Pudong Development Bank needs 2 10000 points, and Bank of China only needs 30,000 points.

However, Pufa Credit Card also has the advantages of high quota and many credit card activities, such as spending red envelope points and paying lottery by credit card. Now, it is binding the debit card of Shanghai Pudong Development Bank to make automatic repayment, and you can draw a lottery when you reach the consumption amount. I drew four times and won 20 yuan from my credit card.

Usually pay attention to credit card activities, sign up if you are satisfied, draw a lottery when it expires, and there will be small surprises from time to time. I am very lucky. I once won a four-piece Fu Anna with points in a lottery. Ha ha ha, so happy.

After using the credit card for so many years, I have concluded that it has the following advantages:

1. Pay first and then repay. The salary paid can be used to buy cash products from banks first, such as Tiantianying of Shanghai Pudong Development Bank, which can earn a little profit.

2. Monthly consumption has bill details and pie chart analysis, and consumption is clear at a glance.

3, spending points, points for gifts or coupons, indirectly saving a little money.

4. You can enjoy some discounts or get a credit card in the lucky draw to save some money.

Friends who use credit cards, do you feel the same as me? You can share your experience.