1. Each card payment should not exceed 30% of the total bill. You can spend more for small amounts, but large purchases are the data indicators used by banks to judge high-quality customers

2. The overall monthly consumption should be controlled at 80%-90%. Never spend it all at once. Reserve a part of the credit limit

3. Don’t always end up with 0, 8, or 9 when swiping your credit card. Occasionally, A sum doesn't matter, try to avoid round numbers.

4. Make appropriate small installments every two or three months. After all, banks want to make profits.

5. Do not choose to swipe your card at night. It is not recommended to swipe your card more than three times a day, and the interval between each time is three hours.

6. When encountering a temporary limit provided by the bank, use it decisively. The chance of converting the basic temporary limit into a fixed limit is relatively high.

7. Especially those who use their own POS machine, if they encounter a card swiping failure, they must wait 6 hours before operating again.

8. There is a very large limit on the number of credit card transactions per month, but do not check the limit before swiping again. The bank can see every operation you make. Use more small amount transactions so that the bank will not think you are cashing out.