Continuing to swipe your card is an important aspect to prove your financial strength. Always use a credit card, no matter how much it costs, you can swipe your card anywhere.
At the same time, don't just swipe your card to buy something, so it is easy for bank risk control to think that there is a suspicion of credit card cashing. Normal consumption should include all aspects of food, clothing, housing, eating, drinking and having fun.
If you still swipe your card overseas, it will be even more icing on the cake. Consumption abroad is settled in foreign currency, and repayment is made in RMB. For banks, they can not only earn domestic fees, interest, etc., but also earn currency exchange rate conversion fees. Of course, banks are very encouraging and welcoming, and even many banks have launched large-scale full reduction activities in consumption abroad.
However, it should be noted that spending more on credit cards does not encourage you to spend indiscriminately, but instead uses credit cards when you can pay cash. Then the cash can be used for current wealth management, such as putting it in Yu 'ebao or Wu Tong Wealth Management every week to earn money, and then taking it out for repayment when the maturity date approaches. This not only uses the interest-free period to earn interest, but also "raises the card", killing two birds with one stone.
2. Small amount or many times
Some banks especially like users who spend a lot of money. Don't be too lazy to swipe your card because of the low consumption quota. A large number of credit cards can show the bank that you are an active and quality user.
Of course, some banks prefer large consumption, and it is best to spend more than 80% every month. In any case, the most important thing is to spend by credit card rationally, and think clearly whether what you want to buy is necessary or dispensable.
3. Appropriate staging
We all know that the handling fee generated by credit card installment is very high, and we are generally not encouraged to handle the bill by installment. But proper staging can also help you increase the amount. Why? Because you make money for the bank, "reciprocal" banks are not easy to refuse.
For those who want to raise a card, it is still of certain reference significance to stage it appropriately.
4. Provide proof of financial resources
If you have a high-quality work unit, you can add extra points for cash withdrawal, but you can also add more detailed personal information and asset certificates, such as real estate license, driver's license, money fund or trust assets.
A simpler and ruder way is to deposit money directly into the bank's savings card, or buy bank financing to let the bank know your financial situation. It is difficult for banks to refuse such high-quality customers.
5. Active application for withdrawal
Every once in a while, you can call customer service to apply for an increase.
The following three situations are more likely to be approved:
1. Apply for the first withdrawal after the new credit card has been used for half a year. Generally, every withdrawal application is half a year apart;
2. Apply for withdrawal after staging;
3. Apply for cash withdrawal after a single large transaction.
6. Repay on time
The repayment must not be overdue, and it is also an important factor that affects the withdrawal amount. It is also emphasized that it can be phased appropriately.
Although banks like to put their money where they can make money, they are more concerned about when the money can be recovered. Therefore, the above measures can play a role in timely repayment.
In addition, if your credit card is deactivated for a period of time, the bank will take wake-up measures for such users. Wake-up measures are nothing more than raising the quota or providing interest-free installment, so you should seize the opportunity.