投资与理财——银行卡和信用卡使用攻略
银行卡的使用攻略：
1、 给银行卡“减肥”：不要留太多银行卡，只留下具有较多功能的卡即可；
2、 明白收支，小心“温馨陷阱”：假借“温馨提示”的名义让我们支付不必要的支出；
3、 掌握透支免息期限，避免损失。
How to use bank card:
1. Give bank cards "weight loss": Don't leave too many bank cards, just leave cards with more functions;
2. Understand the income and expenditure, beware of "warm traps": let us pay unnecessary expenses under the guise of "warm reminders";
3. Master the interest-free period of overdrafts to avoid losses.
信用卡使用攻略：
1、 提现没有免息期：一提现就有利息（相当于借银行的钱）；
2、 部分还款，全额计息：某些信用卡具有部分还款，全额计息的机制，即使未还款还有很少，利息还是按照还款前的金额计算；
3、 还款日以款项到达账户为准：还款尽量不要在还款日当日还款，因为只有款项到账之后才算还款，如果在还款日当天还款，但当天没有到账，就会产生不必要的损失；
4、 被盗刷后的信用卡的损失由用户承担。
Credit card use strategy:
1. There is no interest-free period for withdrawal: there is interest as soon as the withdrawal is made (equivalent to borrowing money from the bank);
2. Partial repayment, full interest calculation: Some credit cards have a partial repayment, full interest calculation mechanism, even if there is a small amount of outstanding payment, the interest is still calculated based on the amount before the repayment;
3. The repayment date is subject to the arrival of the money in the account: try not to repay the repayment on the day of the repayment, because the repayment will only be counted after the payment arrives. Will produce unnecessary losses;
4. The user shall bear the loss of the stolen credit card.
巧用各类银行卡：
1、 使用信用卡的额外功能：银行卡有许多我们并不知道的功能，熟练地使用这些功能会给我们带来便利；
2、 利用免息巧省钱，可以借银行的钱去投资，在免息期钱还款就可做到“无中生有”；
3、 充分挖掘银行卡理财服务；
4、 集中资产成为VIP：把自己的资产集中到一个银行，成为一个银行的VIP，可以享有额外的服务。
Clever use of various bank cards:
1. Additional functions of using credit cards: Bank cards have many functions that we don't know, and using these functions skillfully will bring us convenience;
2. Using interest-free to save money, you can borrow money from the bank to invest, and you can achieve "out of nothing" by repayment during the interest-free period;
3. Fully explore bank card wealth management services;
4. Concentrate assets to become VIP: Concentrate your assets to a bank and become a VIP of a bank, and you can enjoy additional services.
本文由learningyard新学苑原创，如有侵权请联系沟通~
素材来源于《投资与理财》——第3版 电子工业出版社
图片来源于百度
翻译来源于谷歌翻译
