Give you an analysis of 25+3+ 1 dense card maintenance method:
25 transactions (100- single consumption within 300 yuan) were relatively small.
3 transactions (single transaction does not exceed 30% of the quota).
1 transaction (single transaction does not exceed 60% of the limit), and the amount is relatively large.
1, 25 small credit cards, this is not necessarily 25, here is about 25. We have always said that if the card is intensively cultivated, it will be more than 20 per month, and if it is cultivated in general, it will be more than 10. If it is good, it will be small, more than 20 per month.
2. 3 Intermediate consumption shall not exceed 30% of the card limit, for example, your 10000 limit, and generally the limit of 10%-30%, that is, the limit of 1k-3k, which can be handled flexibly according to your own situation.
3. 1 For large consumption, from the perspective of risk control, each credit card can't exceed 60% of the total card amount, such as 10000, with a maximum of more than 6000. If you swipe your card too much, your card will get hurt. You can control this large consumption at 30%-60% of the card amount, but not more than 60%. Just be flexible.
1. Credit card, also known as debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
The credit card stipulated in the relevant laws of China (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal [1-2]. 20 17 12 1, the English translation and writing standard for public services was formally implemented, and the English name of the credit card standard was stipulated as Credit Card [3].
Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day.
2. The credit card limit is determined by the bank according to the applicant's credit status and the card grade applied for, and generally follows the following standards:
Credit card ordinary card limit: 0- 1 ten thousand yuan;
Credit card gold card amount: 1 10,000-50,000 yuan;
Platinum card and above: 50,000 and above.
The specific amount is subject to the final approval of the bank. If you want to get a higher quota, you should provide as many financial certificates as possible to ensure good credit, and you should handle it at the door of the salesman or at the counter of the bank branch.