Pay attention to the following points when using credit cards:
1. Cardholders can use credit cards as much as possible in their daily consumption, especially to increase the expenditure of large-scale consumption (except for wholesale consumption, which is not only not conducive to increasing the credit limit, but may also be suspected of illegal cash withdrawal).
2. After spending continuously for several months, you can take the initiative to apply to the bank, and the card department will decide whether to increase the quota according to the cardholder's consumption record. After the credit limit is increased, you can apply to the bank again for a period of time, about three months, and gradually increase the credit limit.
3. Provide proof of assets income
Actively provide the bank with proof of asset income. The more detailed the proof materials, the higher the income and the higher the credit line approved by the bank.
4. Repay in full and on time
Try to repay in full and on time every month. Repayment is an important item in credit card records. Cardholders should try their best to avoid paying interest beyond the interest-free period due to overdue repayment, otherwise it will not only be conducive to improving the credit limit, but also may stain the credit record.
Extended data:
Correct consumption method
Credit card and debit card are basically the same, but there are some small differences. Please follow the following methods when using credit cards:
1. When you swipe your card, please don't put it away from your sight to avoid misuse or theft.
2. Don't sign a blank or unfilled bill at will.
3. Before signing, please be sure to confirm whether the card number and amount listed in the bill are correct, and pay attention to whether the consumption currency and amount expressed in words and figures are correct.
When using a credit card, you must sign to confirm the consumption. Generally, you don't need to show your ID card or enter your password. However, please cooperate in the following situations:
Due to the operating standards, POS machines in some cities still need to enter passwords. Please enter 6 digits at will. If you spend a lot of money or buy goods that are easy to realize, it is recommended that you enter an accurate ATM private password.
5. When the transaction needs to be rewritten or cancelled due to the wrong signing, please ask the merchant to tear up all the original signing and keep the return voucher given by the merchant to avoid future disputes;
6. After signing the account, please confirm that the credit card returned by the salesperson of the special merchant is indeed his own credit card.
7. After the transaction is completed, please keep the root contact of the signing cardholder for checking with the credit card statement sent by the bank.
References:
Baidu encyclopedia-credit card swiping