Core Viewpoint - The article emphasizes the benefits of using China Construction Bank's cash management tools, particularly the "速盈" product, which offers low-risk, high liquidity investment options for managing idle funds effectively [3][4]. Group 1: Product Features - "速盈" product is designed to manage idle cash by connecting to low-risk money market funds like 建信现金添利A, providing a good option for cash management [3][4]. - The investment threshold is low, allowing participation from as little as 1 cent, making it accessible for all types of investors [4]. - The product has a zero transaction fee for subscriptions and redemptions, resulting in lower overall investment costs [4]. Group 2: Additional Services - The system allows for automatic transfers of excess funds into investments, ensuring that idle cash is utilized efficiently [4][5]. - Quick redemption service is available, with a maximum daily redemption limit of 10,000 yuan, ensuring liquidity for urgent cash needs [9][10]. - The automatic repayment feature for credit cards ensures that users do not have to worry about payment deadlines while enjoying their vacations [12][13].

Core Viewpoint - The article emphasizes the benefits of a financial product that allows for quick credit card repayments and automated fund transfers, highlighting its low-risk investment nature and cost-saving features for investors [2][3]. Group 1: Credit Card Repayment Features - The product supports single-instance quick repayments for credit cards, with a maximum repayment limit of 10,000 yuan per individual per day [2]. - Users can set a reserve balance in their accounts, and the system will automatically transfer funds when the account balance exceeds the reserve amount, facilitating smart investment of idle funds [2]. Group 2: Investment Product Characteristics - The investment product is characterized by low risk, with relatively small investment fluctuations, making it suitable for conservative investors [3]. - The minimum investment amount is set at 1 yuan, allowing participation with small amounts of idle cash [3]. - The product features a zero fee for subscription and redemption, which helps investors save on costs [3]. - The management fee for the associated fund is 0.30% annually, with a custody fee of 0.05% annually, and the sales service fee is also charged annually, all deducted from the fund's assets [3].