This problem should be viewed in two. Some people use their credit cards to blow up every month, but suddenly they can't do it after the bill comes out and all the money is returned. The original credit card was frozen and blocked by the bank, but some people blow up every month, but they are fine after repaying on time. Why? The reason is actually very simple. Say two points and everyone will understand.

1: Banks are not charitable organizations. Banks issue credit cards to obtain certain profits, and at the same time, banks must also consider certain risks. Every bank credit card has a risk control system. As long as it does not touch the red line of the bank's risk control system, it will not be blocked and downgraded. So what is the red line of this risk control system? I don't think this red line can be overdue, not only for credit cards, but also for other bad records such as overdue online loans.

second: every bank will regularly check the cardholder's credit report, that is, the query record of "post-loan management" shown in the credit report, so that the bank can judge the cardholder's recent financial situation. When the bank finds that the cardholder is heavily in debt and even the online loan is overdue, what kind of behavior do you think the bank will do to lose money in the evening for the sake of the safety of its credit card funds and avoiding bad debts? There is no doubt that it is to close the card and reduce the amount when you repay the loan.

If you use your credit card normally, there is generally little chance that it will be maxed out (except that the credit card amount is too low). If you are a high-quality customer, you should make mutual benefits with the bank, and you can buy bank wealth management from time to time in small installments (occasionally in large amounts), so that the bank will think that your demand is normal, and it won't be long before you raise the amount, so you don't have to maxed out.

Moreover, maxing out your credit card will improve your performance. Moreover, you can see the amount of your debt in the credit record, so that if you maxed out every month, it is not conducive to the use of credit information. If you maxed out every month, you will be cautious in handling other bank card banks, and even if you approve it, the amount is not high, so you will enter a vicious circle.

It is not recommended to swipe your card every month, because swiping it every month will make the bank think that you swipe your card maliciously and feel that you are short of money, because most of the bank's risk control is controlled by machines (data), and the systematic risk model will judge you as a high-risk customer, which is not conducive to the use of credit cards;

Bank card closure is mainly caused by abnormal use of credit cards. The main manifestations of the abnormality are as follows:

1. Overdue repayment is the easiest way to seal a card. Especially if it is overdue for many times or for a long time, the bank will think that you are at high risk, and as long as you return, the bank will seal your card.

2. Fast-forward and fast-out, that is, you pay the same amount immediately after you return the card. This is suspected of cashing out. It is easy to be blocked and downgraded if the same card does this many times.

3. swipe your card in different places, which means that some friends think it is not safe to brush it out once, but they use an irregular small machine. The first brush is stuck in Guangzhou, and the card is swiped shortly after, but the card is displayed in Beijing, which is code skipping. It is very simple that your swiping places are thousands of kilometers apart in a few minutes or dozens of minutes, which is obviously unreasonable consumption. Therefore, if you choose the card camp, there will be no code skipping at all, which is recognized by users who have used the card camp

4. Always swipe your card in the same account, and the bank will think that you are cashing out. Especially some clients with low rate or zero rate.

Credit information is mainly a platform for sharing data with all financial institutions, which contains all your credit lines and personal qualifications.

once the personal credit reporting debt ratio is above 6% on average for half a year, it will be on the verge of danger, and the credit card reduction will definitely follow.

this is definitely not conducive to raising the amount. The bank will think that you are short of money and worry that there is something wrong with your capital chain. It will be extremely risky to bear the money of the bank if there is something wrong with your capital! So it's good not to reduce the amount! Stop talking about raising the amount!

The correct method of credit card withdrawal is as follows:

1. Credit card frequently, with a single card swiped at least 15 times a month, with a reasonable increase every month!

2. Adjust the repayment date, stagger the dates, and repay as scheduled!

3. credit cards are divided into stages, with the shortest term as far as possible, such as three stages (paying less interest, which is conducive to raising the amount)

4. swiping cards abroad is conducive to raising the amount

5. each swipe cannot exceed 3% of the total amount, and it cannot always be an integer. The total amount of swiping cards in the current month cannot exceed 8% of the total amount, and occasionally it will be maxed out at one time!

6. Make a small installment every three months or so. The shorter the installment, the lower the interest.

7. Diversified consumption, and try to use it more frequently in high-quality merchants to break it into parts!

8. We often use credit cards in our daily life. Many shops can use credit cards for Alipay and WeChat, which we can encounter in our life!

I hope it will help everyone!

Hello, Ma Penglong, a financial planner, said to answer your question. Credit cards are maxed out every month but repaid in full in time, which is conducive to raising the amount. Next, Teacher Ma Penglong will give you an analysis.

First of all, your monthly spending shows that you need spending power. This kind of customer bank likes it very much, because the purpose of issuing credit cards is to make money. How can we make money? That is, as long as you use and spend normally, the bank can make money, so you not only use it, but also use it up every month, so the bank can make the most money with this credit card. Can the bank be unhappy? Can you not like it? When the bank finds that your quota is not enough, can it not raise your quota?

Secondly, spending power alone is not enough. As we say, it is not difficult to borrow if you have something, and the same is true here in the bank. You have to repay in full in time to achieve the goal of advance; Because the bank's risk control system is very powerful, once the principal is found to be risky, it will press the pause button for you soon, so it is necessary to repay it in full and in time, which not only shows that you have the spending power, but also has the repayment ability. The bank's principal is highly safe with you and can make money, so why doesn't the bank give you an amount? Why don't banks take pleasure in making money safely?

It's not as simple as you think. When looking at a problem, we should look at it in two. We should consider both the good side and the bad side. Only in this way can we look at the problem comprehensively and correctly. "Credit cards are maxed out every month, but is timely repayment beneficial to the withdrawal?" This is a problem, but you should analyze it from two perspectives.

first, look at the problem from the perspective of banks. The bank thinks that this customer spends regularly and the utilization rate of the quota is high, so the bank will certainly welcome it. After all, only when customers spend money can banks make a profit. If a 1, credit card is left in your hand, you never use it. So does the bank make money? No money to earn. You can even lose money. Then someone will knock on the blackboard and ask questions. How is that possible? Yes, if you don't use the bank for a long time, you will lose money. Do we know how the money came from the bank? He came by absorbing deposits. Do you need to pay interest to customers to attract deposits? Want it? Are you willing to put that much money in your bank without interest? Of course not. Therefore, banks absorb deposits by paying certain interest to customers and accumulating funds.

according to the principle that "the wool is on the sheep", we can figure out what to do after absorbing the deposit, right? Yes, it is to issue loans. Banks don't lend so much money. Do they collect it as a hobby? Of course not. Just like doing business, the reason is simple. If you buy a batch of goods, you can't make a profit if you don't sell them. Then the goods must be cleared in time. And only when the selling price is higher than the buying price can you make money. Even if the selling price is equal to the buying price, it will be all for nothing. What is a credit card? In the final analysis, it is an unsecured loan. Give out a lot of money by credit card. Each credit card generally has a limit, which takes up the amount of deposits in the bank. If it is not used for a long time, where can the bank make money? There is definitely no money to earn, and you have to bear the interest of this 1, yuan.

Therefore, banks must hope that cardholders will spend money on the bank through credit cards to make a profit. But don't you just want customers to swipe their cards every month? This is not the case. Banks have two considerations. Have customers invested the money in business? Investment is risky. If the investment fails, won't the money come back? Although you patted your chest in front of the bank and said that I will definitely get the money back, please rest assured. What will the bank do after the accident? Therefore, banks that often swipe their cards are very worried about the broken chain of funds. Once this happens, the bank's loss outweighs the gain.

secondly, look at the problem from the cardholder's dimension. I have all the credit cards, and the cards are mine. I can spend them whenever I want. I can swipe it whenever I want. Anyway, I just have to pay the full amount on time, and I'm not wrong! First, I have spent enough times, and the annual fee can be waived. I don't lose money. Second, I paid back the loan in full, and I won't lose money because my interest can be exempted. Third, I gave you this credit card, and you can only have this business if I approve it. Do you believe it or not? Why don't you give me a raise, and you can earn more and more?

in the end, let's compromise to achieve a balanced situation. Bank: I don't want to take this risk again to earn your money. Just use this amount of money well. I don't want to give you more money than I want. Even if I earn, I will earn your money. Even if I lose, I will lose that little money. I can afford to lose. Cardholder: This fucking bank is so stingy. I will stop it another day when I have the money to repay all my credit cards.

to sum up, it is very unfavorable to raise the amount by swiping the card every month. The main reason is that banks think that the risk is greater than the actual income. If there is no risk, then the view that swiping the card every month is conducive to the increase of the quota is tenable. It is the crucial factor of risk that makes it even more difficult to increase the credit card limit of customers who explode cards every month. I often hear customers complain to me in my actual work. I maxed out my card every month, and I paid it back in full every month, but I didn't get an amount. What's the matter? Do you know? I said I know. You don't use your card well. Hehe ...

So what consumer characteristics do banks like? What do you think is a good credit card?

1. customers with diversified consumption. That is, you can cover all businesses, including business trips, supermarkets, entertainment, and restaurants. In a word, it is the comprehensive coverage of all the daily expenses and consumption of customers.

2. The consumption amount is in line with the normal logic, with a large amount, a small amount and so on! It's all large consumption, and it's all medium consumption, which is definitely not satisfactory. There should be tens of dollars or even a few dollars, hundreds of dollars and thousands of dollars, not a straight line.

3. Always pay in full, occasionally in installments, but the amount is not large. This kind of customers can be regarded as five-star customers, and the maximum risk of bank profits is the most ideal state of banks. It is the best state of bank profits to have customers who often repay in full and occasionally have small installments.

4. Don't make overdue payments. Some people say that banks want to make money, right? Can't I earn him interest when I'm overdue? Indeed, banks don't like customers who are overdue. Overdue represents an increase in risk, which does not bode well for banks.

5. High income and high expenses. Live within your means, and wear a hat as big as your head. Without Han Hong's life, he got Han Hong's disease. He was too big and consumed too much, and eventually he would starve to death.

I am @ Credit Card Xinyu, focusing on the spread of professional knowledge and the sharing of using skills in the credit card field.

As an employee who is currently engaged in bank credit card work, I can tell you that some people are conducive to raising the amount, while others are not.

The credit line of a credit card, to put it bluntly, is a range of credit lines between banks and individuals. By default, the bank will dare to lend you money only if you have enough credibility in the bank and can repay the arrears on time. At the same time, because the bank is also an enterprise, I hope to earn profits from you.

it is an extreme way to use credit cards every month, and it is natural to return them in time. Otherwise, it will not only pay liquidated damages and interest, but also affect the credit investigation, and even be sued by the bank.

the maximum amount of credit card is used every month, which means that the bank pays the bill and advances your consumption first. The bank has the cost of capital in it. If it only pays it back on time every month, the bank will not help you raise the amount, and may even reduce the amount, because such customers have no value to the bank, but are customers who lose money.

And if you can pay the bill in installments occasionally, the bank can charge a handling fee or interest, which will make the bank's profit higher than the cost of capital. The bank still hopes that you can swipe your credit card every month, and the bank will give you an amount from time to time, hoping to better bind loyal customers and bring profits to the bank.

Finally, I would like to remind my friends of two very important points:

First, although the credit card is maxed out every month and returned on time, it will not affect the credit record, but it will make the credit card utilization rate high in the past six months, which may affect the approval of bank loans in the future. Please be cautious.

Second, credit cards are consumption attributes. Unless there are really so many consumption purposes every month, you'd better take it easy. Recently, the supervision has been particularly strict in checking the flow of credit card funds. If it is found that cash is suspected or credit card funds enter prohibited areas, such as real estate, wealth management, stock market, etc., the bank is likely to dispose of your credit card, including asking for early settlement, freezing the account, reducing the amount to zero, etc. Please be cautious.

This is just your unilateral thinking. In fact, it is not only bad for raising the amount, but also may be reduced or even stopped.

Many people who have just used a credit card or don't know much about it will think that it may increase the amount if they maxed out their credit cards every month and repay them on time. But in fact, the promotion of credit card limit is based on many factors, just like the bank customer service said that the comprehensive score is insufficient.

As we all know, Alipay's credit score can only be increased by multi-dimensional assessment. If one dimension is poor, it is useless to score high in other dimensions.

1. Credit information. When applying for a credit card from a bank, the bank should first check the applicant's credit report. When filling in the application form, the applicant is required to authorize the bank to check its credit information. Once the card is issued successfully, the issuing bank will check the credit information of the cardholder within a fixed time.