In the past, there was a lot of marketing with credit cards, but these days, it's not as common. The representative example is mobile communication, which typically costs around 300,000 won, or about 7,000 won. It seems that you need to spend over 700,000 won to get something like a 15,000 won benefit. Usually, the basic hurdle is 300,000 won at a minimum. 

Sometimes, I wonder how to use these cards. Since I travel a lot, I end up spending quite a bit on gas. That's why I have a fuel card. Among fuel cards, there's one that offers benefits if you spend 2 million won. However, the catch is that you have to spend 2 million won to get those benefits. It becomes an issue when you go over 300,000 won, which is about 120 won.

It's not necessarily bad, but if I had to choose, I would prefer something else. This is really great. I think it would be fine for those who are quite knowledgeable in this area. For those who are very experienced, this is about 1 million won, but it can jump to 200,000 won for content alerts. So, if it goes up to 2 million won, that would be around 300,000 won, which is decent, right? Nowadays, that's still possible. 

For example, if the opposite case is 300,000 won and 70,000 won, you can expect about 50,000 won. These days, how it works is that you can earn about 10% from it. For instance, if the communication fee is 110,000 won and the mobile phone installment is 40,000 won, that would leave about 60,000 won. So, 10% of that would be 6,000 won. It's something you might want to explore a bit more. So, when you get a mobile phone, you can do it neatly for about 300,000 won.

For example, if there is a way to gain 30,000 won from a 10,000 won investment, then the current offer is a very good card, right? In the past, even if you spent just over 1,000 won, there were basic promotional cards that would really give you 5,000 won back. Speaking of higher risk and gambling, some people were discouraged from getting cards because of what was discussed in the studio. At that time, services like Naver Pay were offering cashback. I don't know if you watched the broadcast or if it was originally set up that way, but it was available. That card had no limits. In the beginning, there was no cap; now, there is a 200,000 won cap. Back then, it didn't matter; there was no limit. In the past, it was still possible to get cashback for amounts like 50,000, 30,000, and 20,000 won, but now things have changed.

So now, even with cards, it's actually difficult to access card-type benefits. It's challenging to manage, and even if we have various types of benefits, if we forget and can't meet the requirements, that can be quite difficult. I wonder how different it is. Most of the time, using a major card, there's a difference of 100% between spending 1 million won and 2 million won. You also need to look at the discount limits. If it's a meter-based benefit, it could be over 30,000 won. Should I change my approach? It's not just about making small changes; it goes up to 50,000 won. So, if you spend 200 won, it can accumulate up to 25,000 won. Keep those things in mind. These days, it would be good to organize it nicely using a mind map or something similar. I keep all of that on my phone.

I captured an image and sent it to you. I need to find it later and send it back. Now, I need to check the order of the card for the subscription. There are four cards, and as you know, payments are made around the 15th. From the first day of the next month until the end of the month, it should be set up properly. I heard that the payment should be made exactly from the first to the last day of the month. I usually get paid around the 14th, so if I can align that, it works. However, I'm a bit confused because I have things due around the 10th and the day after that. 

Also, I receive messages about my balance, and it shows the current month's payment and the next month's payment details. For example, if my name is on a bill for 10,000 won, and the payment this month is 1.2 million won, which exceeds the 800,000 won limit, it's difficult to manage this. It feels meaningless. I just want to check if the payment has been processed correctly.

So, it would be cleaner to consolidate everything into just 10 files, and it's 2 million won. Until we reach the third file, we feel a sense of relief. The third file is a moment when that becomes a reality. Also, regarding the order of card usage, for example, usually, when we spend about 300,000 won, after we have lived through a severe cold wave, it means we can effectively meet the performance requirements for about three cards. Yes, right? 33, 12, 10, something like that. Or even if it's 20, if the logic is difficult, the performance can be without any points, like a 0.2% accumulation, right? So, you can definitely use that method for the cards. That's how we should spend. Also, for personal business owners, aside from regular employees, health insurance and social insurance can be set up for automatic payment with a card, but this needs to be checked a bit.

You need to try it out. First, with the card, the health insurance can be paid with a check card. If the citizens are concerned, there is an additional 8% discount available. Among the cards, this one provides a discount. What does that mean? For example, if the health insurance is high, and I pay with my card, an additional 0.8% is added. This means an extra 1,600 won will be charged. So, it will cost 201,600 won. However, some cards, if you check with the card company, will let you know that the 1,600 won will be discounted on the payment date. Instead of being a direct discount, it will be a billing discount, so 200,000 won will remain the same. Regarding the health insurance, it is indeed a concern. Alternatively, there are various discounts available for different items. Some cards even recognize performance, especially for individual business owners where health insurance costs can be quite high.

If you link a card that offers discounts to a performance requirement, that card only allows you to benefit from the discounts without actually using it for its intended purpose. This situation cannot be overlooked, as it is something that must be addressed. If you just leave it there, it becomes a card that merely facilitates hacking, right? So, platforms like Starbucks can be connected, and you can simply use it without any development needed. 

Moreover, there are monthly parking fees and such, which you should be cautious about. Many people just leave their cards linked without consideration. I appreciate the fact that you pointed out how close it is to being troublesome. Once you reach a certain point, it can be quite confusing, especially with so many cards to manage. The operation can be complicated, and whether the card is for benefits or just a regular card can lead to misunderstandings. Cards like Samsung Pay and others often don't require physical cards anymore.

그리고 이제 그런 식으로 세팅을 받는 카드가 4개 있고, 그 외에 처음에는 통신용 30만원, 주요 카드 30만원, 그 다음에 쇼핑 32만원으로 설정하면, 1일부터 말일까지 제 카드 사용을 시작하자고 하죠. 네, 그럼 보통은 한 70만원 정도 되면 한 20일 정도 지나서 세 번째 카드를 꺼내야 하는 게 정상이지 않나요? 그래서 카드가 3개가 사용되는데, 카드 사용 금액이 한 330,000원 정도니까, 30만원 중에 혜택을 받은 거, 예를 들어 주요 카드가 30만원의 할인을 제공하는데, 내 주유를 5만원 해준 것을 빼야 하니까, 35만원이 되는 거죠. 그러면 이제 11만원을 사용하고, 그게 다 수납이 안 되니까 다음 카드로 넘어가는 거죠. 이런 식으로 하다 보면 내가 어느 카드를 꺼내는지에 따라서 이번 달 카드값이 대충 어디까지 와 있는지를 육감적으로 느끼는 거죠.

I earned 350,000 won this time, and I've moved up to fourth place, so I've surpassed 700,000, right? Originally, this should have ended here, but now I'm at 190. I'm trying to earn this, and I need to make some plans for this month. My emotions are quite intense, right? Nowadays, at home, since Apple products are coming out well, you can also see it through scraping. But after solving the problem, it creates a sense of self-loathing. Oh, this is completely, how should I put it, very perpendicular, right? Let's look at the card wallet in that order. These days, since there are more online transactions than taking out cards, even when registering for simple payment cards, the order is very rigid. So if you skip it, the next card will be set as the default. The third card is in red, right? So, what date is it today? Oh, what is this?

Yes, if you do that, and now if you use a card, these days, you must definitely give out local currency. Local currency, this is national money, and in this tough world, honestly, among credit cards, as you mentioned earlier, we created a discount. If you spend 300,000 won, you get 7,000 won off, which is good. While using the card, currently, it’s quite beneficial. In cafes, for instance, the local currency can vary by region. Local currency is essentially something that supports survival in the area. However, there is some inconvenience in having to buy and sell things, like today, using the local currency. But you can use it like a debit card. So, local currency can function like a debit card. Then, when I pay with my own money and use local currency, it works out in a square format.

You can register it since it's a check card. Where can you buy it? It's not that it's painful; it's just that you live in Mapo and if you look at the Mapo District Office, you can see that it will be developed and you can charge it there to use it. The check card is just like when we don't have money and use it. For example, if you don't have 500,000 won and it's marked as 10%, then you can see that the account has a 20% return, just like cash back. They give you 10% back. It has become more sophisticated; in some regions, it can go up to 15%. When this policy first came out, there were some shortcomings, as is often the case with new policies. They didn't have a limit on the promotions, so they provided a 15% return without any restrictions. So, those who used this well...

You're there? I really got a 15% discount, right? That's right. You didn't receive the employee discount as much as Harim's employee discount, right? Since it's an employee family, it has to be made. They gave the employee discount, but you're also getting a discount there. When buying the car, the dealer will give you a discount too. Yes, yes, they will give you another 15%. Since the country is large, the actual price is 34 million, but I paid 4 million in cash, and three family members came and each participated to charge it. As this happens, the budget is going down too quickly, so now there are some limits on spending. Still, yes, there are credit cards that give 10% cashback regardless of the previous month's spending. These cards are really great, right? Then you really don't need to worry about the previous card spending. However, the problem is that local currency can be used, but it's now limited.

우리 동네, 예, 그래요. 근데 우리 동네에서 하는 게 대표적인 게 기름도, 예, 제가 효소 가루를 배달해요. 그리고 미세 패턴이 정해져 있잖아요. 앙 볼드, 거기가 수능 것만 해도 뭐 10%가 10의 면 나쁘지 않아요. 어, 나쁘지 않고, 배달음식 할 때 내 만나면 되지 않나 봐요. 이제 우리 그 국가 재난, 그 실패하고 똑같은데요. 좀 4, 온라인 결제는 안 돼요. 무슨 팡, 뭐 이런 걸 안 되는데 대신 와서 여기서 제가 여기가 우리 지역이잖아요. 그러면 된다는 거죠. 그래서 그런지 반 분들이 더 좋은 게 시가의 묶여서 무산 같은 경우는 갱뱅 전이라고 해가지고, IO 다 있는데 서울은 좀 구별로 쪼개져 있어서, 와아, 9 이동할 때마다 바꿔야 자기가 이제 활동하는 사무실이 농구 집이 있는 곳 만들어 놓고, 만들어 놓고 쓸 때 그 돈을 보내서 충전해서 하게, 어떤 가상계좌 같은 거네요. 예, 그냥 차 끅 가방 계좌를 하나 만들어 가지고 거기에 연결된 생각하다.

고생하신 대요. 대신에 그거를 이제 우리 두 가지가 씩, 그러니까 네, 그러면 새 카드라고 보셔도 돼요. 라는 생각에 10% 돌려줍니까? 현금으로 돌려주는 건 아니지만 포인트로 돌려주는 데 형성하고 똑같이 해주세요. 그 동네에서 또 쓸 수 있죠? 그렇죠. 그리고 전원 실적이 없습니다. 엄한 원소도 우마가 더 조언을 해줍니다. 그리고 대형 할인점은 뭐 이런 데는 잘 안 되는데, 또 그 커피숍도 직영점이 고자가 가맹점이 있거든요. 가변적 못해요. 물어보면 됩니다. 해보고 아니에요, 가맹 2 많이 해보고 안 된다 그러면 그냥 신용카드 좀 되죠. 어, 그러네. 물어봐도 되고, 뭐 좀 물어보고 못하면 좋다고요. 안 된다, 그럼 바꿔줍니다. 랄카 도중 되는 건 그렇게 하면 카드가 되고, 아, 이게 그 지역 화폐라는 게 그 긴급 재난 정도 쓰는 거라 또 그 정말 더 있어.

Ah, well, in places like Incheon and Gyeonggi, the budget has been decreasing recently. This is the most popular option, right? It should be good. Honestly, many of you watching have probably participated in this. But even in Gyeonggi, they say they will increase it by 880 billion won. So, they will return it to you. Moreover, if we look quickly at our region, we should take care of it. After all, it’s money that we will spend, so you weren't doing anything. We need to hurry. If you taste it here, it’s not like you will be dominated too much. Just eat these two, and it’s not like you have to be overly concerned about it. You don’t need qualifications or anything like that. If you live here, that’s enough. You don’t have to be a major player; you can just use the local currency, right? If we create a better system, we can make it work.

It's possible. I'm in Busan, and there are more places to shop when I go to Busan. So, when my parents ask me to choose something, I get a 10% discount. However, there aren't any suggestions. Nowadays, even if you buy something, they refund you 10% if you buy first place items. There was also a policy where, when purchasing electronics, you would get a refund. For example, when buying home appliances, like TVs, they used to give back 30% for first-class items. You could get that money back and use it again, so it felt like you were getting a significant discount. With refrigerators, it was really like that. You could get a good discount based on your needs, and then use that discount again for another purchase.

Then it seems we can do it cheaper than online. So, surprisingly, with home appliances, it’s okay to do it this way since it has always been like this. I understand. Today's discussion about this card was truly an eye-opener. Yes, I also need to hurry and create more of this local currency. Today’s LED transmission will be a bit early; if you look at it, it was around 15% when we did it. So, it’s not a continuous suspicion, but rather, it’s about 10% right now. However, since the default is 1%, even 6% is better than 4% with a credit card. I understand. If you found today’s video helpful, please subscribe and like until the end. Thank you for watching the video, and have a happy afternoon. Thank you.

이런 카드는 해지하면 후회합니다! - 신용카드 사용, 혜택 꿀팁, 좋은 카드 판별법 등 총정리 (정현두 돈쌤) [신용카드, 체크카드, 현금, 지역화폐]

* 출연신청 & 제휴 및 광고문의 : ssid@dpnstud.io
