Contact
Credit cards are not just a "delivery tool".
How to use
- Point reduction
- Fixed cost reduction
- Home
- Building credit record
Help
On the other hand, it is easy to use and increase the burden due to installment.
In this article, we will organize "Basic strategy for using credit card" which is easy to practice even for beginners.
Why credit card is important?
There is a "reduction" on the credit card when you pay cash.
For example, if you use 500,000 yen per year with a 1% reduction rate card.
| Annual Use | Return Rate | Points earned |
|---|---|---|
| 50 million yen | 1% | JPY5,000 |
| 100 million yen | 1% | 1 million yen |
Even if you don’t change your daily spend, you can change the payment method.
In addition, since the usage history remains, it becomes easier to visualize the household.
Basic strategy1 Ag ate fixed costs
The most effective is card payment with fixed cost.
Fixed cost
- Electric teen
- Gas Price
- Water supply
- Contact Us
- サブスク
- Insurance
The fixed cost is generated every month, so the points are kept stable.
For example, a fixed fee of 50,000 yen per month.
| Monthly | Year | 1% reduction |
|---|---|---|
| 5 | 60 million yen | JPY6,000 |
It is important to create a state to store without doing anything.
Basic strategy 2 No more cards
It is easy for beginners to make cards too much.
Too long,
- Manage complex
- Payment date is distributed
- Easy to use
The problem occurs.
Basics
- One Main Card
- 1 sub-card
It is recommended to start from a degree.
Basic strategy 3 No installment payment
In installment payments are subject to "re monthly burdens", but the fees are included.
There are cases where the annual rate is around 15%.
This is a difficult level of cost to get stable in investment.
Therefore, the basic priority is "one-time payment".
Beginner's mistake
It is easy to think that "It is okay because it is paid monthly", but in fact it is a state that the future income is borrowed beforehand.
It is important to see the total payment.
Basic strategy 4 You can not choose only the reduction rate
The reduction rate is important, but it is not enough.
For example:
| Comparison | ation Point |
|---|---|
| Return Rate | Basic Point |
| Easy to use | Contact Us |
| Annual fee | Free or Paid |
| 特典 | Insurance / Airport Lounge |
| Point Use | Easy to use |
Even if the reduction rate is 2%, the value will be lower if the usage is limited.
It is important to choose a card that is compatible with "the economic zone that I often use".
Basic Strategy 5 Understanding Usage
The biggest risk of credit card is that the sense of cash is thin.
It is recommended as a counter
- Decide the maximum amount of the month
- Use a household book app
- Turn on notification
That's how.
In particular, notification settings are effective to prevent overuse.
Credit Card and Credit Information
Credit card usage history is recorded as "credit information".
This may also affect loan screening.
What is credit information?
It is a record of "payment record of money".
If the delay is followed, it may be in future review.
That's why
- No payment delay
- Do not useボbo payment
It is important.
Recommended operation method for beginners
At first, the following is enough.
Simple operation
- Consolidate fixed costs into one
- Automatic monthly withdrawal
- One-time payment only
- Only once a month
This makes it easy to improve household income and reduce points.
- "Paymentツール Tools"
- Increase point efficiency by consolidating fixed costs
- 分割idation andボbo pay attention to costs
- Do not judge only by the reduction rate
- Most important to prevent overuse
First of all, it is recommended to start with "supply fixed costs into one sheet".