Credit cards are used by many people in daily life, but do you know the card swiping skills when using them? What should you pay attention to when swiping your card? Let me give you a detailed explanation so that you can master the skills of using credit cards in daily life and avoid some misunderstandings.

When you usually use a credit card to make purchases, try to use it as much as possible, and use credit cards wherever you can pay by credit card. However, when swiping your card, you should pay attention to the diversification of scenarios, such as hotels, cinemas, shopping malls, restaurants, etc. Swiping your card in different places shows that the cardholder has strong spending power. In this case, the bank will also be willing to improve the cardholder’s Credit card limit.

Avoid round numbers when using credit cards, because merchants generally have decimal pricing. At the same time, the best time interval for swiping a credit card should be 3 hours, and the minimum should not exceed 60 minutes. 3 transactions. And avoid swiping your card after 10pm.

When using a credit card, try to avoid swiping the card at a POS machine that has no rate, because the bank will not get any benefits by swiping the card at such a POS machine. There are no rates for POS machines in general government agencies, charitable and non-profit institutions, school fees, legal services, wholesale, car sales, financial securities payment and other industries.

When swiping a credit card, you should avoid sudden large amounts. Such large amount of consumption will be regarded as cash out by the bank, because when the credit card cash out is discovered by the bank, it will reduce the limit or block the card, which is harmful to users when using credit cards. It is very disadvantageous, so users should pay attention to this when swiping their cards for consumption.

Finally, after using a credit card, you must repay it on time and avoid overdue repayment, because penalty interest will accrue after overdue repayment, and the bank will collect money. After it is overdue, it will be uploaded to the credit reporting center by the bank. When personal credit becomes bad, it will affect various loans, such as car loans or housing loans.