In the financial consumption field, Bank Cards are like a double-edged sword. For novices, they are the key to the door to convenient payment and credit accumulation; if used improperly, they may also become a trap that swallows up wealth and falls into the abyss of debt, turning cardholders into “card slaves” and staging a tragedy in life. Only by mastering the scientific use of Bank Cards and transforming from a novice to an expert can Bank Cards truly become a good helper in life.
Take the first step towards using a credit card
There are many types of Bank Cards with different benefits. Beginners need to choose cards closely based on their own needs. If you are a business travel expert who travels frequently, airline co-branded cards and hotel co-branded cards are the best choice. The points earned from airline co-branded cards can be exchanged for miles, which can be used for free air tickets, upgrades, etc., which can greatly reduce travel costs; hotel co-branded card points can be exchanged for free room nights and membership benefits, allowing you to high-quality accommodation and services during your trip. For example, Xiao Zhang is a business person who flies dozens of times a year. He applied for a co-branded card of an airline. Over the past year, he used his points to exchange for multiple free air tickets, saving tens of thousands of yuan in travel expenses.
If you are keen on shopping, especially on the web shopping, e-commerce platform co-branded cards or shopping mall co-branded cards can bring many benefits. This type of card can multiple points, exclusive discounts, and discounts when spending on designated platforms or shopping malls. For example, Xiao Li is an on the web shopping expert who often shops on a certain e-commerce platform. He applied for a co-branded card of the platform. Every time he shopped, he could double points and extra discounts, saving a lot of money over the past year.
In addition, students and young office workers can pay attention to student cards and youth cards. The application threshold for these cards is relatively low, and there are also special benefits for young groups, such as video memberships, takeaway coupons, offline consumption discounts, etc.
After successfully selecting a card, there are also many key points in the card opening process. When you got a credit card, you must first carefully check the card information, including the card number, name, expiration date, etc. to see if they are correct. If you find that the information is incorrect, you should immediately contact the bank’s customer service for processing.