1. Use the auspicious numbers 6, 8, and 9 to reduce the card amount, such as: 1966, 888, 399, etc.;

2. Do not use leopard numbers: 555, 6666, 8888, etc. ;

3. Do not play straight numbers: 345, 567, 678, etc.;

4. Do not enter integers directly: 2000, 5000, 10000;

5 , For amounts exceeding 2,000, the mantissa is preferably 0, such as: 2750, 4130, 9840.

Notes on credit card swiping

1. Each swipe of the card cannot exceed 30 of the total amount;

2. Do not swipe all the cards and leave 10~20 ;

3. You cannot always swipe in whole numbers;

4. Swipe your card between 9am and 9pm every day, and swipe less during the rest of the 24 hours according to your financial needs;

5. Swipe in the morning and in the afternoon. A single card should not be swiped more than 3 times a day, and the interval should be more than 1 hour;

6. It is recommended that the number of swipes per month be about 20 times to increase card activity. , raise the amount, and take out a loan are all a breeze.

Credit card borrowers: Due to changes in consumption habits, many people have more than one credit card in their hands. Sometimes when chatting, I accidentally reveal how many credit cards I have. At this time, some gamers will ask you to borrow cards under various names. But you have to remember that if you lend your credit card to someone else, once the other party pays back the money, you will lose your assets, including your credit. After all, if he doesn't pay back the money, you have to pay it back. If you don't pay back the money, it's overdue.

Feel free to tell others the last three digits: When you receive a credit card, you must be able to see what the bank reminds you. Do not tell others the information on the back of the credit card easily. Because when verifying credit card information, you will need the last three digits, which represent the security of your credit card. If you easily disclose your credit card information to others, the money in your card may be stolen by others due to a moment of negligence.

Credit card installments at will: We all know that credit cards have interest-free periods. Some people think that as long as they can repay the loan during the interest-free period, then the bank will not be able to collect the procedures from them! But in fact, the reason why banks promote credit cards is so that people can choose to repay in installments when they are in urgent need of money or max out their cards, so as to earn a certain amount of interest, or charge a penalty if someone has a bad memory and fails to repay in time. .

Late repayment: We all know that as long as there is overdue repayment, it will definitely leave a bad record on your credit report. You know, too many overdue records will cause problems with your future loans. However, banks are still relatively user-friendly, and they have certain flexibility for overdue repayments, such as 1-3 days. Because each bank has different regulations, it is best to call customer service first when this happens.

Not repaying the bill in full: For banks, what they love most is when we don’t repay the bill in full. When you receive your credit card bill, you will find a column showing the "minimum payment amount," which is usually 10% of your bill amount. Although choosing the minimum repayment amount will not cause a bad credit record for you, it will generate a daily interest rate of 0.5%. For banks, because late repayment will cause the bank to have the risk of bad debts, what the bank welcomes most is that you choose the minimum repayment amount before the repayment date, and then continue to pay interest.

Continuously increase the limit: In fact, the higher the credit card limit, the better. The higher the limit, the easier it is to stimulate consumption, which will lead to a large amount of debt. Therefore, it is best for us to control credit card consumption to two-thirds of our monthly income. Of course, if you really need a credit card with a high limit, you can also keep a card aside for emergencies.

In short, credit cards have their advantages. But for those who have poor self-control and love to consume, they should still use it with caution. Many young people have experienced the painful repayment period after maxing out their cards, and then canceled the cards directly.

Therefore, when using a credit card, you not only need to pay attention to the above points, but also consume in a controlled manner, so as not to bring yourself a lot of debt.