Tips for overseas consumption withdrawals from China Merchants Bank
China Merchants Bank: Just download the card and you can operate it.
The ranking of overseas consumption countries with the best measured results: the United States, Thailand, Malaysia, and Hong Kong for three consecutive months. If there is a monthly payment, 100 is fixed. China Merchants Bank is the best among all banks, but there is one thing that it is not like CITIC GF Communications and others. You will receive a text message as soon as you finish swiping. There will be a time interval of about 15-30 days. Before attracting investment, log in to the mobile client of China Merchants Bank and go to the credit card limit management office to check whether there is an overseas temporary limit that can be reserved. If so, make an appointment now and it will take effect immediately. If there is no prompt, you can apply for overseas temporary quota. Call the China Merchants Credit Card hotline, tell the customer service that I want to go abroad, and call to register the trip. (Please note here that many customer service staff cannot understand the registered itinerary. Literally, they just ask them to register and record it for you). I will scan it the next day after registering and watch it the next day. Apply again after 48 hours. Generally, you can swipe up to 5 times and leave the country temporarily within 30 days. After using a China Merchants Bank card for 3 months, you can use the card to make purchases abroad 6 times within 30 days. The probability that you will pay the full cash installment (that is, the cash installment plus your current fixed total of 60,000) after the next bill is extremely high. At this time, no matter how much you have booked with the card before, you can make cash installments and graduate directly to 60,000.
In addition, China Merchants Bank’s overseas spending is the only way to break the trend.
Minsheng Bank’s overseas consumption withdrawal tips
One Minsheng Bank card can be used for three months.
The ranking of overseas consumption countries with the best measured results: the United States, Hong Kong, and Malaysia. Note: Minsheng cannot swipe cards in Thailand, and Minsheng cannot swipe cards for half a year. After swiping a few times, a temporary quota will generally be granted. Depending on the card usage, you need to swipe the card 1-8 times (updated summary based on current customer feedback). The best effect is to swipe the card in the United States. If the first time you swipe your card is to use the temporary limit in the United States, then you can basically swipe it a few times a month for three consecutive months.
Bank of Communications’ tips for improving overseas consumption
One Bank of Communications card can be used for three months.
The ranking of overseas consumption countries with the best measured results: Hong Kong, Malaysia, the United States, and Thailand have been ranked for three consecutive months. If you have monthly payments, you can enjoy the loan of 100. If you have a current payment account in use, do not make an appointment for overseas temporary payment, just pay directly, and the temporary payment will be doubled for 100.
There is something to note here. After logging in to pay, click My to find the paid alliance. First look at your personality score. If your score exceeds 700, you will have to pay a temporary amount or take out a good loan abroad. If your score is below 700, don't worry. First spend 6 times abroad to increase your score. There will be places available next month. Regardless of whether a temporary overseas quota is granted, small cards with low quotas will have a fixed quota of 90 after the next order is issued. Big cards have a high chance of breaking out the platinum invitation code and enjoying the loan.
If nothing happens after two or three swipes, it means you used the card in a bad way. According to the credit card limit, you should try your best to repay at least 30, so as to ensure that the available limit on the card next month is more than 30. This month, I will use my transportation card to swipe my card at Bank of Communications’ cooperative merchants and make multiple small payments. You have to pay it back immediately after the account is opened. Next month, I will go to another country according to this idea and continue to do it. It will be 100% successful.
Ping An Bank’s overseas consumption withdrawal tips
Ping An Bank can use the card for three months.
The ranking of overseas consumption countries with the best actual test results: the United States, Thailand, Malaysia, and Hong Kong. If you have used the card well before, you can make payments. After payment, apply for Zhang Ping An Bank owner’s credit card. The card will be approved and the amount will be fixed automatically. At the same time, you will continue to brush 2-6 wits
for three months. If there is a monthly payment, 100 will be paid immediately. Likewise, if you have not paid the fee, you can easily pay by calling to apply after 24 hours. After the temporary payment, the bill will be made in installments, with the limit controlled at more than 50 and the number of installments at least 6. After making 2-3 payments in installments, there is a 90% chance that financial funds will arrive in your account. If you don’t get the money, after you place the order and do it again, it will pay you 100.
CITIC Bank’s overseas consumption withdrawal tips
CITIC Bank’s card can be used after one month.
The ranking of countries with the best overseas consumption measurement results: Hong Kong, Malaysia, the United States and Thailand.
ICBC Overseas Spending Withdrawal Tips
ICBC will be able to use the card in three months.
Ranking of overseas consumption countries with the best measured results: It is cost-effective to apply for a small card in any country. After two draws, you can directly apply for fixed payment by phone. You must use the mobile phone number you filled in when applying for the card. No matter what the previous limit was, the probability of 80 will increase by 20,000 to 30,000. If not, you can apply for a new card, and there will be a fixed compensation of RMB 20,000 to RMB 30,000 after purchasing the card. ICBC is quite weird. The withdrawal amount mainly depends on your turnover and assets at ICBC. If you don’t have an ICBC savings card, or you have a savings card but don’t use it often, don’t try to withdraw money from ICBC. The effect is very average. Here is an example of a payment. Our own customer, an ICBC card worth 1,000 yuan, mentioned that 50,000 yuan was exchanged for one US dollar. After inquiry, I learned that the ICBC where he worked had an average daily large amount of 50,000 yuan. So if you have an ICBC credit card, you must mention the ICBC coupon. It takes four months to brush the water up first. Note, it does not mean that you always have 2,000 yuan. If you have nothing to do every day, it means you have 4,000 yuan.
If there is no quota, please refer to the above traffic and Guangfa operation methods.
China Construction Bank’s overseas consumption skills
The China Construction Bank card can be used after half a year.
The ranking of countries with the best overseas consumption measurement results: the United States, Hong Kong, Malaysia and Thailand.
After using the CCB card for half a year, if you make two or three transactions, you will get a temporary limit of 50-150 or more. There is an 80% chance that the fixed limit will be increased by 50 or more. It doesn’t matter if you don’t mention the fixed limit, as long as you give the temporary limit. , if you try again next month, the probability above 95 will definitely be raised.
Tips of Shanghai Pudong Development Bank to increase your overseas consumption limit
Shanghai Pudong Development Bank can operate the card after three months of use Several cards with a limit of more than 30,000 yuan basically have a universal limit or a fixed limit. For small cards with a limit of less than 10,000 yuan, keep 2-3 overseas purchases per month, and then use the card normally and be patient for a period of time before using it. After half a year, there will be multiple overseas operations.
Industrial Bank’s tips for increasing your overseas consumption limit
Industrial Bank’s card can be operated after three months of use You can swipe it 2-3 times, and Xingye will get the quota. If you don’t have the quota, refer to the operation mode of Transportation and Guangfa above. Industrial Bank is a small bank, and all small banks are stingy, and it is more difficult to raise the limit. However, the same small bank also has many loopholes in the system. With Industrial Bank's card, swiping overseas is mindless, just keep swiping, and there are no other skills.
Bank of China’s tips for increasing your overseas consumption limit
Bank of China’s cards can be operated after half a year of use
Ranking of countries with the best overseas consumption results according to actual testing: Any country can be used If the card is in good condition, keep the limit on the card below 20, but remember it cannot be an empty card. If you make a swipe, the limit will be exceeded. After the limit is exceeded, continue to make swipes. If the limit of 20 is emptied, there is a high chance that the card will be empty. There will be a fixed issue, but if the fixed one is not mentioned that month, it will be issued again after the next month.
Everbright Bank’s tips for increasing your overseas consumption limit
Ebright Bank’s card can be operated after three months of use
The ranking of countries with the best overseas consumption results in actual testing: Hong Kong, The card usage situation in the United States and Malaysia was relatively good in the past. Basically, you can get a temporary limit with two or three transactions. After the billing date, there is a fixed limit of 100. Personally, I think the biggest role of using Everbright’s overseas cards is to make sure you come back as scheduled once every three months and not to miss the appointment. Other temporary withdrawals are by-products. Many people have used up their big cards for a long time, and they have never mentioned it once. Some people have used it every three months since they took out the card, with 30 each time, and they have not withdrawn it every time. Once every 3 months, it will be improved by 30 every time. Do the math on yourself. What is the concept?
Agricultural Bank of China’s Overseas Spending Increase Tips
The Agricultural Bank of China card can be operated after three months of use.
The ranking of countries with the best overseas consumption results according to actual testing: any country You can personally think that Agricultural Bank of China has the best credit limit among the four major banks, or even the best among all banks. There is only one reason. There is no upper limit for the credit card limit of Agricultural Bank of China, unlike any other bank. The gold card has a maximum limit of 50,000, and the platinum card has a maximum limit of 200,000. After reaching this limit, no matter how you use it, it is impossible to withdraw the limit for you. Agricultural Bank of China is not like this. As long as you use it, it can keep raising it for you, and every time Agricultural Bank of China raises it, Fixed can be doubled (if you don’t double it, it’s your own problem).
What is an overseas machine?
Overseas machines refer to card swiping machines that are seamlessly connected and connected to the International UnionPay channel through some technologies. We have connected this machine to the large consumption of overseas physical merchants, and we can use this With a card reader, you can swipe your card at real merchants in many foreign countries without leaving home. Note: This outdoor unit cannot be cashed out! A must-have tool for credit card maintenance and limit increase (it’s better to use one domestic machine with multiple merchants) to get good credit, use an overseas machine.
How to use a foreign currency machine
Notes on swiping foreign currency:
1. Do not make domestic purchases within 24 hours before swiping the card, and do not swipe the card within 36 hours after swiping the card Domestic machines;
2. Before swiping the card, be sure to pay attention to whether the balance in the card is sufficient, and do not enter the wrong password;
3. Do not swipe 1 or 2 US dollars in one swipe of the card because the bank has begun monitoring (Foreign currency POS now has a starting price of 100 yuan, and it is recommended to pay between 100-500 yuan);
4. Do not cross countries and currencies within 24 hours. Make one transaction a day, preferably continuously. Brush for 3-4 days.
5. Be sure to answer the return call within 5 minutes of every time you swipe your card. Sometimes the bank will call back to confirm whether it is the person who made the purchase.
6. When receiving the return call, you must say it is you. For consumption, whether it is tourism or overseas business trips;
7. Please turn off WiFi and positioning when swiping your card
Why do you need to swipe from an overseas phone?
The purpose of swiping overseas is to improve your credit card score, maintain the card well, prevent it from being reduced or locked, and have a high chance of increasing the card limit. It’s not 100% that you can get a credit limit increase by using an overseas machine, but as long as your card usage is not too bad, most of them will give you a credit limit! Swipe more points this month to prepare for the next month's score. If you can't get the limit this month, but if the score goes up, you will get the limit next month. The credit limit of the card is raised slowly.
If each credit card has a score of 100, 90 points is a high-quality customer (can make a loan), 80 points is a high-quality customer (can increase the credit limit), 50-80 points are ordinary customers (no change), 30- A score of 50 is a dangerous customer (the credit will be reduced), a score below 30 is a risky customer (the card will be locked directly). Your rating depends on how you use the card. Overseas purchases are useful at this time. Every overseas purchase is worth extra points, usually 2-7 points (depending on which bank). The higher the score, the easier it will be for you to get a raise or loan.
Frequently asked questions about overseas POSS machines!
1. Question: Can I swipe someone else’s card at an overseas machine?
Answer: You can swipe the other person’s card, and you can earn rebates on his or her card.
2. Question: How to update the software?
3. Question: Why failed to swipe the card?
Answer: ① The overall qualification of the card is too poor, and the bank does not allow overseas consumption. Solution: Try the card swiping operation again the next day.
②Some countries do not support single currency cards or magnetic stripe cards. Solution: Re-applying for a dual-currency card can support this. Some customers may also experience a limit increase due to applying for a travel dual-currency card.
4. Question: What is a dual-currency card? What is a single currency card?
Answer: Dual currency credit cards start with 2, 3, 4, 5. There are JCB, visa, Mastercard and other cards that are dual currency cards; single currency cards start with 6, and all cards that start with 6 are not dual currency cards. Currency cards are all UnionPay single currency cards!
5. Question: What should I pay attention to when making purchases?
Answer: When spending overseas, do not consume domestically within the first 1-2 days (there is always a time difference between overseas consumption and returning home)
6. Question: What is the best amount for overseas consumption? ?
Answer: The normal consumption limit is between 100-500 yuan converted into RMB. It is recommended to spend around 280 yuan. It is best to use the card amount in whole parts!
7. Question: How to check this transaction after consumption?
8. Question: How do funds swiped by cards at overseas machines work?
Answer: By simulating overseas consumption and cooperating with foreign payment companies, you can make real overseas consumption without leaving home by swiping your card. All consumption is at local offline physical merchants in various countries!
9. Question: Which banks have the most obvious effect of increasing your credit limit?
1. 7 2 1 risk control method
7 2 1 risk control method
The 70 limit in a credit card can be freely used, and the 20 limit can be used as repayment. When using a credit card, the credit limit of 10 should always be kept in the credit card and should not be touched.
2. 40 2 1 3 times 3W
40 represents the activity of the credit card. Diversified consumption is about 40 small purchases, which are allocated according to your own credit card limit, such as 5 For a card worth RMB 10,000, a single transaction should be controlled below RMB 500
2 refers to two large purchases, usually about 20 of the credit card limit
1, refers to a single transaction If the balance is insufficient, it must be real consumption in an offline entity, a famous brand store, a luxury brand, and the grade must be high. If you do not increase the limit at that time, the issuing bank will ask for an increase. If you do the previous 40 2, the probability of increasing the limit is 50
For example, if the customer's credit card limit is 50,000, then he can go to some luxury stores, such as LV, buy a bag worth more than 100,000 yuan, pay a small balance, and then leave. Don't go too far. , call the bank and ask for a credit limit increase
3 times, that is, use a 10,000 card as a 30,000 card. If you have sufficient funds, you can directly deposit 3 times the credit card limit, and then start 40 2 Swipe, swipe, swipe, if there is insufficient funds, then use the cycle surfing method from the bill day, deposit it in and swipe it out, and swipe the bill that is three times the credit card limit. There is a trick to this. Don't just rush in and swipe out, such as 10,000. Card, you deposit 3,000, wait for one day to start swiping, you have to stay overnight, swipe it out in two or three days, then deposit another 3,000 or 4,000, wait for a day, start swiping, and the cycle continues, from the billing date to the repayment date. Enough to get you three times the bill
3w refers to 3 overseas purchases, with a total payment of about 500 to 600. The bank can earn high handling fees and currency exchange rates, and also earn a lot of money. Be able to prove your high spending power and leave real data to the bank
If you want to increase your credit card limit but you are not qualified enough, then just pretend. Your qualifications must be high enough and you must understand what the banking system is like. Just do it, give it the data they want, and if the data meets the standards, the bank system will automatically adjust the amount
Overseas consumption
Specializes in solving insufficient credit card scores! It’s hard to raise the amount!
Real overseas offline merchant transaction records, saving money, time and effort!
Swipe? 1 dollar investment overseas insurance activation!
Swipe? 1 dollar to increase people’s livelihood and the amount is high in seconds!
Swipe? 1 dollar and Pufa will get double the amount!
Swipe ?1 to make a deposit from Bank of China!
If you spend $2 with CITIC, you will get extra money out of the country!
Brush? 2 dollars ICBC’s comprehensive credit is high!
If you spend $3 on transportation, you will get a good loan!
Brush? 3 dollars will be paid out immediately!
Get a $3 Agricultural Bank of China loan with a high score!
Swipe ?6 and Ping An will give you a reserve!
Swipe ?6 GF to activate Caizhijin!
Swipe ?6 dollars? CCB will never reduce the limit!
As long as the overall score of the bank credit card goes up after being transferred overseas,
it will be beneficial to the card if the card is not blocked or reduced within half a year. Related Q&A: Related Q&A: Overseas consumption, how to use credit card to get more cost-effective?
It is recommended that you use the card in conjunction with some bank promotions. Some banks will provide cash rebates for overseas purchases. There are also some banks that offer multiple points for overseas purchases.
But the content of the activity is more complicated. When choosing a suitable credit card cash back activity. Need to pay attention. Some laundering banks have restrictions on how many transactions you can make, and a single transaction must meet a certain card amount before you can get cash back. Some banks limit the cash rebate to be drawn from a limited number of transactions. Another thing to note is that some banks restrict online, overseas consumption or offline overseas consumption.