Teach you how to use credit cards to maintain credit cards and become a credit card god instantly

Many cardholders have added management difficulties to themselves because they have too many credit cards. They often reach the point where The repayment day will be hectic. In fact, when you hold multiple credit cards, you can try to use your credit card to support your credit card. In this way, not only can the limit of each card be utilized to the maximum extent, but the cards can also promote the increase of the limit of each other. Today I’m going to teach you a few tips on how to use your credit card to support your credit card, and teach you how to use your credit card.

There are two main principles for using credit cards: first, let the bank feel that its funds are safe with you; second, let the bank make money from you.

Combining these two principles, you can refer to the following tips:

1. In the first three months after opening the card, accumulate credit and repay the loan in full and on time. Make the bank feel that your funds are safe and trust you;

2. Pay back the money diligently and when you have the money. The purpose of this is to increase the efficiency of ++++ and increase the utilization rate of funds. The more frequently you swipe and return cards, the more banks like it. You feel that your funds are safe and you can make money;

3 , the "Happy POS machine" that often swipes small amounts and carries points allows the bank to make money. Frequently paying small amounts is an important skill in using your credit card to maintain your credit card. The profit sharing of the POS machine is as follows: 7 for the issuing bank, 2 for the depositing bank, and 1 for UnionPay. There is no cap for those with points, and you can’t make money for those without points;

You can also make two cash withdrawals a month, allowing the bank to earn some interest. Or make an installment every two months, and the number of installments should not be too long. Take advantage of every opportunity to swipe every day. No matter how big or small, you can pay electricity, water, and phone bills with a credit card. Don’t underestimate these small credit card swiping records, which are very useful for card usage activity.

The above are the tips for using credit cards to support credit cards. I believe that by mastering these skills, you can enjoy the preferential rights of each credit card while maintaining a good credit score, and use your credit card to your advantage. The role of the game is brought into full play, turning from a novice to a "stuck god". Click on the credit card application channel to see which credit card is best for you.

Tips to become a credit card god

Tips to become a credit card god

1. Pay attention to two dates: billing date and repayment date

< p>Generally, the repayment date is 18 days after the bill date. If the card is swiped one day after the bill date, the interest-free period will be the longest. If the card is swiped the day before the bill date, the interest-free period will be the shortest.

2. Protect the credit card information

The three most critical information on the credit card: ++, validity period, and CVV code (that is, the three digits after the signature line on the back of the credit card) ) These three key information affect the security of your card, especially the CVV code, which is as important as the password. It is recommended to use correction fluid or stickers to cover the CVV code. Some people even use a blade to scratch off the CVV code directly. Keep those three numbers in mind.

3. Only by swiping your card frequently can you avoid the annual fee; only by repaying the loan on time can you withdraw the credit

So be sure to pay out the annual fee. In addition, swipe your card frequently and swipe your card frequently, and you can still Increasing your credit card limit, while paying off your bills on time and maintaining a good credit record is also a way to increase your credit limit.

4. Choose the repayment method that suits you best

In this information age, repayment methods are diversified. It is not necessary to go to a bank branch or a teller machine to transfer funds. Repayment. Credit card repayment methods include Alipay repayment, debit card binding automatic repayment, Lakala repayment, UnionPay online repayment, online banking transfer repayment, Tenpay repayment, etc. Therefore, choose the method that suits you and repay in the fastest and most convenient way!

5. If ++++ does not work, or the repayment is delayed due to something, you can call customer service to apply for an extension of repayment.

That is, if your funds cannot be turned over temporarily, or your repayment is delayed due to something, don't worry, call the bank customer service immediately and apply for a one to three day extension of repayment. Generally, bank customer service will help you extend it!

6. What should you do if you are short of funds? Apply to change the billing date and extend the interest-free period

Be careful to calculate the bill when applying to change the billing date. day time, enjoy the longest interest-free period to relieve the pressure of tight funds. However, this skill cannot be used every month, because the bank can only apply for changes once every six months.

7. Use credit card installment with caution

Credit card installment interest is very high. Even if it is interest-free, the installment fee is not cheap. Installment must be used with caution! Of course, under special circumstances, it is impossible to repay the credit card on time. Except for those who are in arrears.

8. Pay attention to various credit card consumption traps

Be reminded to always pay attention to prevent various credit card consumption traps, such as the Haoxiangdai line provided by Bank of Communications, Caizhijin provided by Guangfa, These are similar small credit loans with extremely high interest rates. If you are approached by a credit card salesperson, you will always refuse them.

9. Try not to use it to withdraw cash.

Credit cards cannot be used to withdraw cash. Unless you need an emergency, it is very urgent, otherwise I do not approve of withdrawing cash by credit card. You can’t afford the handling fees and interest! Remember, credit cards are for consumption, not for cash withdrawals!

10. Don’t deposit money into a credit card

Depositing money into a credit card is called overpayment. It is difficult to withdraw money. Generally, you need to pay a handling fee for withdrawing overpayment from a credit card. Therefore, do not deposit money into a credit card unless necessary.

11. Should a credit card have a password? Different people have different opinions.

Some people say that not having a password feels like running naked. So, should a credit card have a password? Different people have different opinions, and the wise have their own opinions. Generally speaking, it is safer to use a credit card without a password. However, the key is to see if the bank provides you with card loss protection?

According to Chinese consumption habits, should you use a card that combines signature and password? Well, pay attention to develop good credit card swiping habits in your daily life, protect your credit card information, and report the loss in time to avoid greater losses once you find it is lost.

12. Cleverly use the official WeChat account of the credit card to provide consumption reminders

Nowadays, for some credit cards, as long as you follow the official WeChat account of the credit card and bind the credit card account, you can immediately provide consumption reminders, such as Ping An Bank, China Merchants Bank, and China Guangfa provide free consumption reminders without spending a penny.

How does the world’s credit card god buy assets

The world’s credit card god has the following four methods.

1. Make full use of the interest-free period: Credit cards have an interest-free period of 50 to 55 days. During the interest-free period, this is equivalent to an interest-free loan issued by the bank to you. As long as you make good use of it, you can definitely make huge profits.

2. Change the billing date and obtain a longer interest-free period: Most banks support changing the billing date. Each bank has different dates and the number of times it can be changed. If necessary, please Partners can check online by themselves.

3. Use points wisely: You get points with your credit card, and the points can be used to exchange gifts in shopping malls. We can make money by selling gifts. And some high-end credit cards can be converted into air miles, hotels, delays, etc. to earn more income.

4. Make use of various activities to make money: The bank cooperates with many merchants. As long as you swipe the bank's credit card, you will get certain discounts. If you use it well, you can make a lot of money

This is the end of the introduction about the credit card god and the highest state of the credit card god. I wonder if you found the information you need?