The poor are poor, the rich are rich

Chapter 50 3 "Losing Weight" for Bank Cards

Chapter 103 "Slimming" for bank cards

Due to the popularity of credit cards and the introduction of various credit card products by major banks, almost everyone in the city has a credit card, and some people even carry 3 to 4 cards at the same time.It can be seen that bank cards are already an indispensable item for our life.

Ms. Hong is a department manager of a company with a monthly income of tens of thousands, but she only relies on one passbook and three bank cards to manage her property.On the one hand, she really likes using her bank card - it's easy to carry and easy to access.On the other hand, she also knows that bank cards need to be used rationally in order to avoid worries.Therefore, while having a bank card, she will also have a passbook to store large deposits, while the bank card stores small deposits.One of them is used for daily consumption, and the other is used as a reserve card for funds.

As for the choice of bank card, since Minsheng Bank does not require a fee to open a card, and there is no annual fee, and there is no handling fee for withdrawing money in the same city, so she has chosen Minsheng Bank for both cards.And the other one chose the ICBC card, because in the remote withdrawal business, if the amount is small, the handling fee is only 1 yuan, while the Minsheng card requires at least 5 yuan.

She used to have several bank cards in her hand, but now she has cleared and canceled them all.Because one is that it is useless, and an annual fee has to be paid, and the other is that there are too many bank cards, which are difficult to manage.Only a few commonly used ones are left, which is enough for her usual use.

Looking at the overwhelming variety of bank cards, you may not know which one to use. In fact, bank cards are mainly divided into two types: debit cards and credit cards.

Debit card refers to a credit certificate that banks or other financial institutions give cardholders to deposit first, then consume, and have no overdraft function.

A credit card refers to a credit certificate that a bank or other financial institution grants to those people with good credit status to consume a certain amount in advance.

What are the characteristics of these cards?

Relatively speaking, the debit card can enjoy the current deposit interest rate during the use process, and can be used freely in daily life.Usually we use this kind of card when we go to the store to swipe the card for consumption.

The credit card can play the role of "consumption in advance" and "micro-financing".Generally, when the funds are not enough in a short period of time, a part of the credit card is used to advance part, that is, "to spend tomorrow's money", so as to be able to deal with emergencies and solve financial problems in a timely manner.

Having a bank card in your hand is much easier and safer than holding a lot of money in your hand in the past, but you also need to use it correctly, otherwise its value will not be well reflected, and it may cause you trouble everywhere.Isn't there a lot of "card slaves", credit card fraud, credit card "malicious overdraft" and other incidents now?These are the best warnings for anyone using a bank card.

Before using the card, calculate, calculate, and analyze, so that your card can play its role to the maximum and your money can be managed with the highest efficiency.In short, "use well" your card!

"There are not too many cards, as long as you have enough." This is the most sensible way to use bank cards.With the rapid changes in banking business, people have a lot of cards in their wallets, such as debit cards, campus cards, peony cards, etc. It seems that whoever has more cards will be richer and their life will be more modern. .

However, within a few years, when banks moved closer to the world's standards and required handling fees for various businesses, these large and small cards became "money-eating" things.

In addition, the bank card business is becoming more and more perfect now, and the functions of a new card may cover the functions of several old cards in the past.You don't need to keep so many cards to waste resources.

All kinds of reasons remind you that it is time to tidy up your bank cards!

(End of this chapter)