A friend recently shared his flight booking experience with me, triggering a memory of another friend boasting about exchanging credit card points for a complimentary flight ticket. Beyond this, various merchants accept credit card cashback, offering two distinct benefits: “cash back” and Quantas points rewards.
This prompted my curiosity about whether Australian credit cards live up to their claims. The credit card business model encourages pre-consumption, potentially surpassing actual spending compared to debit cards, resulting in interest income.
In China, using a credit card proves advantageous. There are no incurred costs such as monthly fees or interest, provided the debt is settled promptly. This approach offers dual benefits: accruing points and leveraging them in the international market with VISA or Mastercard to avoid currency conversion.
But be careful, opening a credit card (using personal loan) is one type of loan, leads to unnecessary interest expenses, affects individual credit records, and occupies personal borrowing limits.”
So, do you think it’s advisable to utilize a credit card?
一个朋友最近与我分享了他的订机经历，勾起了我对另一个朋友吹嘘用信用卡积分换取免费机票的记忆。除此之外，各种商家都接受信用卡返现，提供了两个明显的好处：“返现”和Quantas（澳航）积分奖励。
这引发了我对澳大利亚信用卡是否符合其宣传的好奇心。信用卡的商业模式鼓励预先消费，可能会超出实际支出，相比储蓄卡，这会产生利息收入。
在中国，使用信用卡非常有利。只要及时偿还债务，就不会产生像月费或利息之类的成本。这种方式提供了双重好处：积累积分，并在国际市场上利用VISA或Mastercard避免汇率转换。
那么，你认为使用信用卡是否明智？