1. Maintain a high frequency of credit card use and increase the number of credit card use.

2. To ensure the continuity of credit cards, it is best to spend more than 10 times a month.

If you have the ability, you'd better repay in full and on time.

4. If there is a large consumer demand, you can apply for a temporary quota and repay by installments.

5. Maintain the diversity of consumer merchants, and zero-rate merchants pay less.

6. Bind the debit card of China Everbright Bank and open the automatic repayment function.

7. Non-cashing and other irregularities.