The times have changed. If someone still lingers at the level of cash-on-delivery for everything, they would be considered a strange person. In many cases, the diversification of payment methods has led to a natural result where corporate employees often disperse their money in various forms such as debit cards, credit cards, membership cards, provident funds, and loans.
Let's take an analogy. Suppose you have 100 yuan and you want to buy a 28.6 yuan facial cleanser, a 48.8 yuan mobile phone recharge card, and a 13.2 yuan entertainment novel. In the past, if you paid in cash, the merchant would definitely "quibble" about giving you your change. But now, the currency used to meet these purchasing needs is likely distributed across a 30-yuan skincare brand membership card, a 50-yuan bank debit card, and a 20-yuan Alipay account. At this moment, you are very lenient towards these fictitious "merchants" not giving you change because you feel that this money is yours, and it won't escape. However, in reality, these remaining amounts are idly scattered in different corners and have already found it difficult to serve any monetary function.
The 12 corners we will mention below are roughly similar to the situations mentioned above and will also include some tricks when using financial services. We believe that, as a smart corporate employee who hasn't become so wealthy as to treat money lightly, it is still necessary to think of ways to solve these problems.
**Credit Card Overpayment**
Which money is lost: Overpayment refers to the extra funds when repaying a credit card. If repayment is done at the counter, overpayment is often caused. For example, if your last month's overdraft limit was 2567.9 yuan, then when you repay, you basically just pay 2600 yuan, with the extra 32.1 yuan becoming overpayment. Although overpayment will prioritize consumption next month, the money placed in the credit card does not earn any interest, and if you want to withdraw it, you must pay a handling fee.
What to do: The best method - which is also the simplest - is to get a peer debit card and bind it to your credit card for repayment. A debit card can earn interest, while a credit card is used for spending. There is certainly a reason for developing two different financial products: debit cards and credit cards. It doesn't make sense to forcibly merge the functions into one credit card.
**Idle Money in Debit Cards**
Which money is lost: Obviously, the interest rate on money in a bank debit card is calculated as current. If, when the balance in your debit card exceeds a certain number - for example, 10,000 yuan - this 10,000 yuan could be transferred to a fixed deposit to earn higher interest.
What to do: Nowadays, in many banks, if you sign a wealth management agreement, you can activate the automatic transfer of savings from your debit card to a fixed deposit. If the amount in your debit card reaches the agreed amount, the system will automatically transfer it to a fixed deposit. Better yet, if you happen to have insufficient balance when withdrawing or spending, the bank will automatically withdraw the smallest possible amount from your fixed deposit to make up for it, equivalent to a zero-withdrawal fixed deposit.
In addition, some people prefer to manually manage their finances - once the amount in the debit card reaches a certain level, they withdraw it and store it as a fixed deposit. However, this may lead to issues of too little balance in the debit card resulting in small account management fees. If you adopt the wealth management agreement mentioned above, this "automatic fixed deposit" is still under the bank card, and the additional small management fees will disappear.
**Alipay Balance**
Which money is lost: Frequent users of online shopping will surely have a feature where there is always a balance in Alipay - whether it is due to refunds or recharges for convenience. However, Alipay is obviously not a bank and cannot regularly distribute interest. This money lying inside does not generate any value.
What to do: Alipay now has the Alipay卡通 (cartoon) function, which allows real-time withdrawal after binding with a debit card. This is equivalent to including this part of the balance within the scope of the bank debit card, and naturally, it can generate interest.
**Credit Card Cash Withdrawal Fees**
Which money is lost: Withdrawing cash from a credit card is quite expensive. First, using the pre-borrowed cash feature of a credit card does not come with an interest-free repayment period - which is exactly what makes credit cards so attractive - and the daily interest starts from five ten-thousandths of a percent. At the same time, you need to bear a handling fee of more than 1% of the withdrawal amount.
What to do: Although there is much debate in the industry about whether such high fees should be charged for credit card cash withdrawals, under the current rules, the best solution is simple: don't withdraw money from your credit card. Let the debit card handle this function.
**Card Replacement Fee**
Which money is lost: Banks charge fees for replacing bank cards and passbooks, generally ranging from 10 to 40 yuan.
What to do: Replacing cards through online banking is free. Thanks to the impetus of online shopping, most people should have activated online banking services. However, traditional wealth management products like fixed deposits or passbooks are rarely linked to the bank cards under the online banking account. In fact, in today’s internet world that has almost replicated another real world, it is completely feasible to bring these traditional "tickets" online.
**Inter-regional Transfer Fees**
Which money is lost: Transferring money to a debit card in another region means unavoidable transfer fees, starting from 1 yuan and having no upper limit.
What to do: Generally speaking, inter-regional deposits to credit cards are free of handling fees, and you can deposit money into the other party's credit card through the local bank system. This "transfer" method applies regardless of the amount...
This article comes from:
Monthly income exceeding 10,000 yuan / www.zp-nmg.com