Credit Card Benefits and Usage Strategies Explained

Managing credit card benefits requires careful planning and awareness of spending thresholds.

### Changing Trends in Credit Card Marketing
Credit card marketing has decreased in popularity, with mobile communication costs now playing a **significant role**. Fuel cards offering benefits for spending **2 million won** have become common, but the high spending requirement can be **challenging**. The current trend includes earning around **10% from expenses**, with cashback offers and promotional cards having **changed over time**.

### Managing Card Benefits and Payments
Accessing card-type benefits is challenging, with **significant differences in spending thresholds and discount limits**. Organizing card payments and subscriptions is crucial, especially with **overlapping due dates**. Consolidating payments and using a **strategic approach to card usage** can help meet performance requirements and manage finances effectively.

### Paying Health Insurance with Discounted Cards
Health insurance can be paid with a check card, offering an **additional 8% discount** for concerned citizens. The card's discount structure can lead to an **extra charge**, but some companies offer a **billing discount on the payment date**. Managing multiple cards for discounts can be **confusing**, and platforms like Starbucks can be linked for **easier use**.

### Earning and Managing Money: A Personal Journey
I recently earned **350,000 won**, bringing my total to over **700,000 won**, and I'm now in **fourth place**. I'm planning my finances for the month, using online transactions and local currency for payments, which offers **discounts and benefits**. The local currency functions like a debit card, providing a **return on spending** and supporting survival in the area, with some regions offering **up to 15% cashback**.

### Employee Discounts and Budgeting Strategies
The speaker received a **15% employee discount** and is also getting a discount from the car dealer. They paid **4 million in cash** for a car, with family members contributing to the cost. The speaker mentions credit cards offering **10% cashback** and discusses **local currency limitations** and **budgeting strategies**.

### Decreasing Budget and Local Currency Initiatives
The budget in Incheon and Gyeonggi has been decreasing, but Gyeonggi plans to **increase it by 880 billion won**. The speaker emphasizes the importance of **using local currency** and creating a **better system for financial support**. They share personal experiences of receiving discounts and refunds on purchases, highlighting the potential for **significant savings**.

### Navigating Credit Card Benefits and Local Currency Usage
* 💳 In recent years, marketing for credit cards has declined, with mobile communication costs typically around **300,000 won**, requiring **substantial spending to gain significant benefits**.
* ⛽ With frequent travel and gas expenses, fuel cards become essential, although benefits often require **spending 2 million won to access rewards**, making it challenging to **maximize their use**.
* 📊 A typical cashback rate is about **10%**, and while spending on mobile phones can yield returns, the complexity of managing **multiple cards and their benefits** can be overwhelming.
* 💡 In the past, promotional cards offered straightforward cashback rewards, but current limitations and caps on benefits make it **harder to access these perks**, leading to **confusion in card management**.
* 🗂 Organizing card usage effectively is crucial, especially with multiple payment dates and limits, as **consolidating information can help streamline the process and reduce stress**.
* 🏥 For personal business owners, using credit cards for automatic payments like health insurance can offer **additional discounts**, but it requires **careful consideration of the card's terms and conditions**.
* 💰 Local currency can function like a debit card, providing a way to **earn cashback and discounts**, yet many people overlook the need to **manage these effectively** to avoid complications.
* 📉 As credit card offers evolve, understanding the nuances of **spending limits**, **cashback rates**, and **local currency usage** can empower users to make the most of their financial tools.

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