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主题：【原创】问个初级问题：信用卡靠什么挣钱？ -- 伏波将军
credit card取现金是要马上开始计息，直到还款的。利息还不低。
del
你从一个相熟的商家那里刷卡100块，然后商家给你95块钱的现金不就得了？
del
短时间里还不出钱的便是利滚利。到你破产为止。挣扎得越久越好。
100个客人里只要套住几个就够了。
some numbers from MSN money
http://moneycentral.msn.com/content/Banking/creditcardsmarts/P74808.asp
* Only 29% of households owe $1,000 or more on their cards.
* 21% owe $2,000 or more.
* 6% owe $8,000 or more.
* 4% owe $10,500 or more.
* 1% owe $21,400 or more.
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* About 48% of credit card holders owed less than $1,000
* About 10% of card holders had total card balances in excess of $10,000.
* More than half of all people with credit cards use less than 30% of their total credit card limit.
* Just over 1 in 8 people use 80% or more of their credit card limit.
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* More than a third -- 36% -- of those who owe more than $10,000 on their cards have household incomes under $50,000, according to the VIP Forum analysis.
* 13% who owe that much have household incomes under $30,000.
* The percentage of disposable income used to pay debts is still near record highs.
* The median value of total outstanding debt owed by households rose 9.6% between 1998 and 2001.
* Bankruptcies set another record in 2003, with 1.6 million personal filings, the American Bankruptcy Institute reports.
信用卡公司肯定希望有你朋友那样的人，100个人
中只要有几个没那么顺利信用卡公司就赚了。:)
信用卡公司有很多BALLANCE TRANSFER的OFFER，它是希望你把在别的卡上的帐，转到它的卡上。一般用头仨月零息之类的小恩小惠来诱人上当。但三个月后钱还没还上的话，利息就上去了。
用BALLANCE TRANSFER 在美国用多卡挣钱（省利息）有两个要点：
1. 找个比较长（9-12个月）的零息（或低息）TERM
2. 无手续费，或较低的手续费。
花旗有一个终生1.99%的卡，我转了两万多的房子贷款在上。这卡我真不知道银行用它怎么赚钱！OOPS,这卡我用了85%的CREDIT LIMIT，就这一次。
有个事情要注意，一旦这张卡有了零息的BALLANCE，就别用了。一用，就会开时欠利息，因为每个月你还的钱，先去还零息的帐。
千万别用信用卡公司给的支钱的支票，那玩意儿不光有手续费，而且利息从当天算起。
我不大清楚怎么“合理利用不同银行信用卡的还款日期，"来“避掉利息”。
最近用一张卡BALLANCE TRANSFER, $7500, 交了$75的手续费，一年0%利息。到这熟人那儿，就得交$375！这年头，不收手续费的越来越少了。
visa/masterd大概是8.5%的交易额，因店的规模和交易额而异。amex要的更多似乎，所以收它家的卡的店少
好像 late fee, over-the-limit fee 什么的涨的挺快的。最早我好像交过$15的late fee。现在好象都30了。
及其大小的re-seller，提供的是结算平台,向商家收每笔交易的手续费，不管credit/debit都要受的。
发卡的金融机构，向消费者提供信贷，收financing charge。