Used for large consumption, such as buying furniture and appliances, decoration, rent, etc. You can swipe your card first, so that this large amount of cash in your hand can be idle for up to 50 or 60 days, and you can have more uses, such as short-term financial management to earn interest, temporary turnover, and offset the reserve fund.
Of course, if your job needs to purchase all kinds of goods for the company, pay rent, rent space and other things that involve payment, you might as well pay with your credit card, so that you can get a lot of cash when you reimburse, and use this cash to earn extra income.
2, temporary emergency, turnover:
If one day you are in urgent need of money but the reserve fund is not enough, or the expected funds are delayed, you may be reluctant to borrow money from your friends, and credit cards will be of great use. Especially for many people who do business, it can often help in time.
3. Privileges for customers with gold cards and above:
Generally, cardholders with large credit cards are customers with gold cards and above, and they have the privileges of related cards, such as exclusive high points, airport express, VIP lounge, special merchant discounts and so on.
4. High-powered boys:
Banks are very strict about credit card approval and cash withdrawal, so if you have a large credit card, it generally means that you have high income and good credit. As for some top credit cards, they are status symbols. For example, the legendary black card generally requires the holder to have these labels: CEO, president or chairman of a well-known enterprise?
Five skills to increase the amount:
1, timely repayment method. Good repayment habits help to increase the amount, and it is best to use a savings card to repay automatically. In case the repayment date hasn't arrived yet, you can call the credit card customer service to apply for an extension of repayment. Generally, 1-3 days is no problem.
2. Change the way of thinking. If it is difficult to increase the credit card limit, you can look at it from another angle. For example, the credit card limit given to you by Bank A is 654.38+00000 yuan. Instead of going to great lengths to raise the amount, it is better to apply for a credit card directly from Bank B.. When these two parts are combined, the total amount increases.
3. Active application method. Generally, after half a year of normal use of credit cards, you can take the initiative to ask for adjustment of the credit limit. Most people are always too hasty, and some people are too lazy to mention the quota, which will never change. Therefore, you must also learn to raise cards when using them. The most basic way is to swipe your card frequently, and then take the initiative to apply for it one to six months according to the withdrawal rules.
4. Payment by installment. The ultimate goal of the bank is also to make money, making money in the most profitable way, and staging is one of the big heads of his income. Therefore, banks like users to pay by installments, and they can make money by installments, which will naturally increase your price.
5. Excess consumption method. Simply put, it is to use credit cards as often as possible. No matter the amount, as long as you can swipe your card, you will definitely use a credit card. It is best to generate a bill every month, accounting for 80% of the total. If your spending limit is high and your repayment is timely, the bank will naturally like you and will give you a bonus as soon as you are happy.
Reduced version withdrawn:
1, the larger the amount, the better, and the total consumption for half a year is at least 30% of the quota;
2. Consume as much as possible, with an average of more than 20 transactions per month 10, and it is easier to withdraw cash;
There are many types of consumer businesses, such as shopping malls, supermarkets, gas stations, restaurants, hotels, tourist and entertainment places.
4. Proof of financial resources as much as possible, and provide materials such as car and house deposits to prove personal economic strength.
Large credit cards are good, but they may not be suitable for everyone. For friends with poor self-control ability and poor repayment ability, it is best to stay away from credit cards as much as possible and do less cards.