How to maintain a credit card correctly?

The correct way to maintain a credit card: 1. Three months after opening the card, you must accumulate credit and repay on time. Let the bank be absolutely assured of you. It takes more than 3 months of using the card to increase the bank limit, and it also takes 6 months of using the card to apply for a card. These are all used to see your performance. Only the first few months have been good. Only if you have a good credit record, the bank will be able to raise your credit limit and apply for a card with your card.

2. Use POS machines with small amounts and points as much as possible. Only when the bank makes money will the bank increase your balance. The profit sharing of the POS machine is as follows: 7 for the card issuing bank, 2 for the depositing bank, and 1 for UnionPay. Those with points are not capped, and those without points are capped and cannot make money.

3. Repay frequently. The purpose of this is to increase efficiency and increase the utilization rate of funds. The more frequently you swipe and repay the card, the more the bank likes it. Only in this way can the bank feel that the funds are safe and make money. .

4. Friends who want to cash out working capital, read this article. Banks believe that the key to cashing out is large-amount consumption - large sums of money in and out, the overdraft limit accounts for a high proportion of the total limit, and the maintenance period is long, which is a big taboo for using the card. In fact, it doesn't matter if you want to cash out. This is a problem that every bank cannot solve. The key is not to go too far. My personal advice: Be careful when making large amounts, and the amount should not exceed one-fifth of the total amount. Except for brushing points.

5. Take advantage of every opportunity to brush every day, no matter how big or small. When I buy a bottle of mineral water, I always swipe my card. Why pay electricity bills, water bills, and phone bills? Don’t underestimate these small credit card swiping records, they are very useful for your card usage activity. The amount of card swiping, the frequency of swiping the card, the type of consumption, the repayment record, and the contribution value of the card? These are the categories that the bank's computer system examines.

6. Make at least two cash withdrawals a month to let the bank earn some interest. Make an installment every two months, and the number of installments should not be too long.

7. Participate in the bank’s preferential points activities.

The tips for maintaining credit cards

The tips for maintaining credit cards are to maintain multiple cards and multiple installments.

Maintaining the correct card can increase the bank’s credit limit for our credit cards. The following methods have been tested over time and are considered the most effective by most senior card owners:

1) Swipe your card more often.

2) Control the number and amount of card swipes.

3) Get the right credit card.

4) Handle installment or cash withdrawal services.

5) Seize the right time to raise the amount.

6) Timely repayment.

Many young people now have credit cards. We all know that a credit card is an overdraft card that can be used for purchases in advance, but generally you have to pay back the money you owe after one month. No interest will accrue, this is just an ordinary card payment. If you want to withdraw money from your credit card. There are two methods:

1) Withdraw money from a cash machine, but the interest rate is very high. It will generate interest of RMB 50,000 per day and high handling fees, so few people use this method.

2) The second method is to withdraw cash directly from the POS machine. On the POS machine, you directly enter the amount you want to withdraw and directly swipe it out. There will also be a corresponding handling fee, which is generally the case in the market. 10,000 is a handling fee of about 60, and you only need to pay it back on the last day of repayment, thus avoiding daily interest.

We call the second method professionally called card maintenance. If you use a better POS machine to swipe it out, you will get points, which will be good for your true credibility. Frequently swiping your card will increase your credit card limit. Play the role of card maintenance. However, there are also the following precautions for swiping credit cards:

1) Try not to swipe in whole numbers, such as 1,000, 10,000, or 9,999.

2) Try not to swipe the same credit card more than three times a day.

3) Try not to swipe the card the day after the repayment date. This is a taboo in using the card, otherwise it will be easy to be controlled by UnionPay.

1. Remember that the risk of using a card to maintain a card is high. In addition to the high handling fees, the dangers of using a card to maintain a card are that it is easy to overdue. If you use a credit card for a long time, if one day a certain card is reduced or blocked, it will directly cause the repayment capital chain to be broken, which will lead to the credit card becoming overdue.

Once one of the credit cards is overdue, other banks may reduce the limit of other bank cards for risk control, eventually causing multiple credit cards to become overdue. If this happens, the cardholder's personal credit report will also be seriously affected, affecting future mortgage and credit card applications, and even directly entering the credit blacklist.

How to maintain a credit card Tips for maintaining a credit card

1. First, control the number and amount of card swipes. You need to swipe your credit card more often to increase your credit limit quickly. Banks issue credit cards to generate revenue. Card swiping fees are an important income from the credit card business.

2. Next, choose the appropriate merchant to swipe your card. Not all merchant card transactions generate revenue for banks.

3. Again, don’t just swipe your card. In addition to swiping the card for consumption, if you want to "maintain the card" quickly, it is recommended that cardholders try to handle other credit card businesses, such as credit card cash withdrawals, credit card installment repayments, etc., because these businesses can also contribute income to the bank, of course. Well received by the bank.

4. Seize the right time to raise your quota. When applying for a credit card limit increase, you need to find the right time. It is easier to get approved if you apply for a quota increase at the right time. For example, after a single large purchase accounts for more than 50% of the total credit card limit, immediately apply for a credit card limit increase. In this case, the bank will believe that the cardholder has a high demand for credit card consumption, and the current credit limit can no longer meet his needs, and the credit limit needs to be increased.

Tips of using credit cards to maintain your credit card

Tips of using credit cards to maintain your credit card include paying more than you pay, making use of the repayment cycle, reasonable allocation, etc.

The most common way for cardholders to maintain their credit cards is to maintain two credit cards with one card. Generally, there are the following tips for maintaining two credit cards with one card:

1) Utilize the repayment cycle: Use two credit cards to support the card. Users must make reasonable use of the repayment cycle and try to choose two credit cards with a larger repayment cycle, so as to extend their interest-free repayment period. , for example, card A pays off on the 4th of every month, then card B can choose a credit card that pays off in the middle of the month or at the end of the month.

2) Reasonably allocate the number of card swipes and the amount of the two cards: When using two credit cards, the cardholder must use both cards at the same time, and both cards must be swiped enough times to increase When it comes to the chance of a limit increase, never just swipe one card and leave the other card alone.

3) The normal routine of maintaining a card is to pay for more and pay for more. Pay for more by dividing the money and pay it back into the credit card. The more you pay is the number of transactions. The type of merchant is that you have to diversify your consumption every month. , for a 2W card, you can spend the 2W in 15 times, and then split the amount to get out the amount. Of course, it is best not to enter and exit in seconds. The specific method depends on the individual's different funds.

In short, it is also very important to maintain a credit card and choose a card. After all, maintaining a card is not a matter of skill. Only if you choose the right credit card that is suitable for maintaining a card, then maintaining the card will be easier. If you choose to increase the limit faster, It is not cost-effective to maintain a credit card that is slow and has a low limit.

1. The following are several credit cards recommended by netizens:

1) CITIC Yan Card: This card is a gold card, and the application threshold is not very high. If you have good trust and a stable income, you can basically apply for the card, and the maximum limit can reach 50,000 yuan.

2) ICBC World Struggle Card: This card is divided into three levels: regular, gold, and platinum. You can apply for credit cards of different levels according to your actual situation. It is easier to apply successfully, and it is easier to increase the limit. .

3) China Merchants Bank YOUNG Card: This credit card is easy to apply for, and fresh graduates can also apply for it. The limit can be increased quickly, making it suitable for card maintenance and credit accumulation.

4) Ping An Car Owner Card: This is a card suitable for car owners. As long as you meet the prescribed consumption limit, you can enjoy discounts on refueling, so it is more suitable for car owners to maintain the card.

5) Postal etc card: This card can offer up to 12% discount on etc, and the credit limit is high. As long as it is used reasonably, the credit limit can be increased quickly.

That’s it for the introduction of tips on how to maintain a credit card.