キャッシング3つの裏技大公開!無利息・海外・保険でお得に!

裏ワザ カード日記

大車輪で利息を抑える

大車輪は、ノーローンを活用したキャッシングの裏技です。

ノーローンは初回は30日間無利息ですが、そのあとは継続的に1週間の無利息期間がある嬉しいカードです。そのお得な1週間の無利息期間を利用します。

まず、ノーローンで借入をして、別の借入先にそのノーローンから借りたお金で返済して、その後にノーローンに返済するためのお金を別の借入先から借りる、というような方法をとります。

限度額をいっぱい利用することによって、発生する利息を抑えることができ、結果的にお得にお金を借りることができる、というのがこの大車輪の意義です。

ただ、かなり面倒な借入と返済を繰り返さなければならないところが、非常にネックだと言えるでしょう。

保険の契約者貸付制度

現在、加入している生命保険の会社からは、お金を借りることができる契約者貸付という制度があります。

こちらはクレジットカードや消費者金融、銀行カードローンなどと比べると低い利率で利用できると言う大きなメリットがあります。

仕組みとしては、解約払戻金の一定範囲内でお金を借りることが出来、割合としては2割から3割程度です。

利息は発生しますが、利率は3%から5%程と低く、総量規制以上のお金も場合によっては借りることが出来ます。

しかし、返済を滞っていると、一方的に保険会社から解約をされてしまったり、他の借金の返済に充ててしまった場合には利息のせいで借入金が膨らんでしまう可能性があったりと、利用する際には細心の注意を払う必要がある裏ワザでもあります。

海外でのキャッシング

こちらはクレジットカードのキャッシング枠を使って、海外で借入れをすることによって、外貨を手に入れるという方法です。

こちらの方法を使うと、利息は発生するものの、日本国内で日本円を外貨にする際に必要な外貨手数料を支払う必要が無く、結果として、外貨手数料よりも利息が安くなると、その差額分だけ儲けが出るという効果があります。

かなりお得ではありますが、大金で取引をすると、治安の悪い海外だと盗まれてしまうこともあったり、カードを紛失したりしたときのリスクが非常に大きくなってしまうなどの、デメリットを含んでいます。

楽天カードがおすすめ!  



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☝上記に挙げた通り、キャッシングにおける裏ワザはいくつかありますが、どれにもリスクが必ず潜んでいることを理解した上で、利用するように注意しましょう。

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