What is the best way to maintain a credit card (debit card)? Are there any specific ways to maintain a card?
As far as I know, if you want to increase the limit of your credit card (credit card), the specific card maintenance methods are:
1. Use more credit cards (debit cards) for consumption< /p>
Because a credit card (credit card) is a card with an overdraft function, its main use is consumption. The more you use a credit card (debit card) to make purchases, the content of consumption is diversified, which is very helpful for increasing the limit. helpful.
2. Use credit card (debit card) to spend the amount
When using credit card (debit card) to make purchases, you should also pay attention, although it is not necessary to spend the entire amount. But you need to use at least 30% of your limit every month, otherwise the bank will think that the current limit is enough for you, and it will be more difficult to increase the limit.
3. Repay on time
Only after repaying the credit card on time can the limit be increased. If it is overdue, there will be no chance to increase the limit in a short time. .
What is the correct way to maintain a credit card?
1. The 25 in the card maintenance method means that there are about 25 card swipes every month. Of course, it is not necessarily 25. 25 just represents a number.
If you want to be intensive, it is best to make more than 20 brushes. Some card friends ask whether the more brushes the better. Even if you want to brush more, you must control it in a reasonable way. You can't just swipe your card without doing anything else for a day. In this way, you will swipe your card hundreds of times a day.
Each of the 2.3 medium purchases should not exceed 30% of the total credit card limit. This needs to be determined according to the fixed limit of your credit card.
3. A large amount of consumption can also be understood as maxing out or empty spending. This is a signal to the bank to raise the limit. It should be known that I have spent so many times and paid the protection fee. It's time to give me a raise.
4. Small-amount consumption is best concentrated from Monday to Friday, and medium-amount consumption and large-amount consumption are best spent on weekends or by swiping credit cards in other places.
: Which card payment methods will reduce the limit?
1. Repeatedly swiping the card at the same POS machine in a short period of time will easily be suspected by the bank as cashing out.
2. Just withdraw all the money from the credit card just after the repayment date. Leaving the card empty for a long time is not good for maintaining the card.
3. Abnormal transactions, such as going to KTV in the morning and buying clothes at 11pm are all abnormal transactions.
4. If you use a low-rate POS machine and the bank doesn’t make any money, how can you keep the card?
5. Late repayment. Late repayment will make you think that you are a risky user.
How to maintain a credit card?
Everyone envy those people who have more than a dozen credit cards at the same time. Every month, they use the money from this card to pay off the debt of another card. If they add up, they can make a fortune. . But just seeing others having fun playing like this, how do we play cards ourselves?
What if you don’t play well and it breaks? After all, not everyone has a father named Jack Ma who gives you money to spend as you wish. So Diantu Loan is here to teach you how to maintain more than a dozen cards at the same time.
The so-called "maintenance" means to continuously increase the credit card limit through skillful swiping and card use. You must have a good way to maintain your credit cards, especially if you hold multiple credit cards. Otherwise, if you accidentally miss a payment, it will easily cause the credit card to become overdue, and then the gains will outweigh the losses.
Key 1! You need to have skills when choosing a card
Even if you don’t have a card anymore, you still need to choose the right credit card. A good credit card can allow you to enjoy more credit card discounts and related services. Applying for a credit card can be based on your own consumption habits. For example, if you like to go to the supermarket, you can apply for a supermarket co-branded credit card; if you like to travel, you can apply for an airline co-branded card, a hotel co-branded card, or a high-end platinum card. ; If you like online shopping, even better, just get an Internet co-branded credit card with points for online shopping.
Key 2! Classify credit cards by discount type
If you have more than ten credit cards at the same time, the most important thing is to do a good job in classification management and put the same type of credit cards together. When swiping your card for daily consumption, you should choose the appropriate credit card according to the type of consumption. In this way, you can enjoy as many card swiping discounts as possible.
Then adjust the credit card repayment date to the same day
You must know that if there are too many credit cards, it is difficult to remember the billing date and due payment date. In order to avoid missing payment on a certain credit card , you can adjust the credit card bill date. By adjusting the credit card bill date, the credit card due date can be adjusted to the same day. This will make repayment easier.
Key 3! Don’t make back-and-forth repayments on credit cards
Don’t use the cash withdrawal amount on one credit card to pay off the overdraft on another credit card. Doing so can only solve the problem in a short time, but it is tantamount to drinking poison to quench your thirst. Because the money you owe will have to be paid back sooner or later, credit card withdrawals will involve higher handling fees, which is not cost-effective.
Key 4! Find the right time to apply for a credit limit increase
It is not enough to maintain a credit card. The time when you apply for a limit increase is also very important. For example, apply for a credit card limit increase immediately after a single large purchase or maxing out your credit card. In this case, the bank will think that the cardholder has a high demand for credit card consumption, and the current credit limit can no longer meet his needs, and the credit limit needs to be increased. For another example, if you have just applied for installment repayment or cash withdrawal business and contributed installment fees to the bank, the bank will be willing to increase the amount for you.
Finally, I would like to remind everyone that when maintaining a credit card, you must follow the credit card rules, increase the limit through formal means, and do not engage in credit card cash-out and other behaviors.
This topic is actually very big. Based on personal experience, I will try to briefly talk about a few practical key points.
If the purpose of maintaining a card is not to increase the limit, then what is the use of maintaining a card?
Therefore, increasing the credit limit is one of the most important purposes of maintaining a card. If the card limit in your hand is high, many things will be easier to handle.
Secondly, as society becomes more and more "credit-oriented", credit becomes more and more valuable. Keeping a card can also improve your credit rating and accumulate credit capital.
Guidelines for card owners for ordinary users
1. Don’t apply for cards frequently in a short period of time
I know you urgently need multiple credit cards, but you can apply slowly. Don’t Centralized application.
As long as you apply for a credit card, the bank will check your People's Bank of China credit report, and this inquiry record will be recorded. If you apply for cards from multiple banks in a short period of time, the credit card reviewers will see that your credit report has been checked frequently, and they will have reason to suspect that you are suspected of cashing out, or are extremely short of money, and will refuse to issue a card for you. .
As long as you are not developing in the direction of "card god", if you already have 5 cards in your hand, it is best not to apply for them, it is enough.
2. Don’t cancel the card easily. Don’t cancel the card without even opening it
This will seriously affect your image in the bank. Some banks will "hold grudges" against users who cancel their credit cards. For example, if you cancel a card from Elephant Bank, next time you apply for another card from Elephant Bank, they may not be approved for you, and you will not be able to apply for another card from Elephant Bank in the future. Amount increases will also be affected.
3. Create a limit increase bill that banks cannot resist
Most commercial banks will evaluate cardholders every 6 months to determine whether to increase or decrease the limit. Well, this evaluation is mainly done through the billing and consumption habits of cardholders. Therefore, we can create a perfect credit increase bill within 6 months through deliberate consumption, so that the credit limit can be raised smoothly.
Based on personal experience and the summary of senior card industry veterans, the bank’s irresistible credit increase bill is as follows:
If you can complete the above tasks in the last 6 months, the bank will really There is no reason not to give you a raise.
4. Don’t use “hand swiping” method to raise the amount or TX easily
First of all, I want to say that banks are not fools. Banks have long been familiar with the twists and turns that users come up with in order to raise their credit limit or TX.
Nowadays, many manual POS are connected to a single merchant. This is equivalent to you always swiping in the same store. The bank’s big data risk control system can easily determine that you are in TX and brush amount.
As mentioned above, if you want to increase your balance through consumption, it is best to diversify your consumption bills.
Even if you use this method of swiping by hand, you must be clear that the channels to be connected later must be multiple random merchants.
5. Concentrate on maintaining a credit card from a big bank
The concept of greed for more and seeking perfection does not apply to credit card maintenance.
When banks judge the qualifications of cardholders, there is an indicator called "vacancy rate." If you open a card and don't use it much, the vacancy rate will be very high, and the bank will think that you have insufficient consumer demand. Not conducive to your quota increase.
If there is a card that you think is the most cost-effective, then focus your energy and financial resources on this card first. This card should preferably be one of ICBC, Bank of China, Shanghai Pudong Development Bank, China Merchants Bank, and China Guangfa , many banks refer to the limits given by these banks.
Of course, it doesn’t matter if you don’t have cards from these lines for the time being. Maintaining a frequently used card will bring endless benefits.
Card holders must develop the concept of actively swiping their cards
Especially in many stores and e-commerce websites that support credit card payment, try to use credit cards when shopping.
This is not only because you can enjoy an average 30-day interest-free period when using a credit card, but more importantly, if you use cash to settle the bill, you become the "payer" of other credit card users.
Why do you say that?
When a credit card is swiped, a "card swipe fee" will be generated. This fee is paid by the merchant and is not felt by us consumers. The bulk of the credit card fee goes to the card issuing bank, and the small portion goes to the issuing bank of the POS machine.
Many merchants will incorporate the cost of "card swiping fees" into the selling price of goods. In this case, those who pay with cash will bear this part of the cost, which makes it "cheaper" to a certain extent. Credit card swipe users.
So, in order to avoid becoming a "big head" and to better maintain your card, if you can use your credit card to swipe it, try your best to swipe it!
Finally, a cliché:
Don’t be overdue, otherwise it will be really troublesome if it affects your credit report.
The bank has an interest-free period of up to 56 days, which is enough for you. If you feel that you have difficulty repaying your loan, even if you use the "minimum repayment amount", don't overdue it easily.
It’s hard to say that it’s difficult to maintain a credit card, and it’s not easy to say that it’s easy. It mainly depends on how you operate it.
Let’s take a look at a few ways to maintain a card:
1. You need to apply for the right credit card. Even if you know how to maintain a card again, you still need to apply for the right credit card. Okay It’s easy to increase the limit of your credit card and there are many preferential policies. The most important thing is based on your own consumption range, such as gas, shopping, traveling and business trips, etc.
2. Swipe more cards, as long as you can swipe cards for shopping, swipe them wherever you can, and it is more possible to diversify your consumption, that is, consume from all walks of life.
3. Control the number and amount of card swiping. Generally speaking, the number of monthly purchases of a card must be more than 30, and the amount of card swiping in a single month must exceed 60% of the total limit. Apply for a limit increase transaction to obtain batch. When we go out to eat, you can pay with your credit card, and then your friends can transfer it to you. This is a very good choice.
4. Apply for installment business. Occasional installments allow the bank to earn interest. The bank will definitely be nice to you and give you an increase.
5. Repay your loan on time. This is very important. Repaying your loan on time will not only help the bank to increase your credit limit, but also ensure your own credit problem.
The above skills are all learned by me through "Xinfu Xiaozhang: Credit card loan of 300,000, it is very important to maintain the card and raise the limit". If there is anything unclear, you can check it out yourself.
As a banker, I can answer this question clearly. Banks do not welcome this kind of behavior! Because banks encourage the use of cards for consumption.
A cardholder only has two transactions per month, one payment and one payment. His consumption habits are simple and there is no shopping, dining, entertainment and other consumption activities. After using it for a period of time, the credit card is inexplicably reduced or even blocked. This method of use is risky and is not advisable.
So how can we avoid blocking the card, reducing the limit or even increasing the limit without affecting it?
Normal monthly consumption, large purchases in well-known shopping malls or large supermarkets, small purchases at community convenience stores, vegetable stalls, etc. This consumption method is very reasonable and is also the original intention of banks to issue credit cards. Card! Such customers often increase their quota quickly! ! !
How to maintain a credit card? Payment Express has the answer for you!
What are the daily ways to maintain your card?
1. Diversified consumption
2. Small amounts and multiple transactions
3. Normal repayment Payments are not overdue
4. Occasional installments or the minimum payment
5. Moving bricks
etc., these are all rubbish.
But the most important thing is that the method is dead and the person is alive. Don’t blindly follow the trend!
Maintaining a card is actually to maintain your credit score and the trust of the bank. What do you say: When the time comes, you will naturally be happy
Things to note when raising a card
Many people are impatient when raising a card: they always think about raising the limit after a few months. One hundred thousand, this is impossible.
The second is to swipe the card blindly, which ultimately leads to a decrease instead of an increase in the limit. Therefore, some details should be grasped
1. Avoid fast in and fast out when swiping the card (many friends who reverse the card like to go in and swipe out immediately)
2. Excessive overdraft of the credit card limit (remember The total monthly consumption should not exceed 80%)
3. Frequent large-amount consumption (small-amount credit card swiping is the key to increasing the limit)
4. Frequent installment or Minimum repayment (occasional installments are beneficial, but frequent installments only show that your repayment ability is weak)
5. The amount of credit card swiped is abnormal (remember not to swipe 888999666 or large integer amounts, or large amounts with decimal points) You must know that there are basically no decimal points when paying in supermarkets. Why do you pay 999.99? )
6. The time for swiping the card is abnormal (do not make large transactions in the morning or late at night)
7. Resolutely not overdue (there is no explanation for this, as long as it is overdue, forget about other things)
The card maintenance equipment must be suitable
Speaking of the necessary conditions for card maintenance Of course, you need a good POS machine. It’s like going to war. If you don’t have a gun, what’s the point?
The mainstream machines currently on the market are nothing more than hand-swipe machines and traditional large POS machines
Although hand-swipe machines are easy to use, they are not suitable for card maintenance: the fee is high and each transaction adds 3 seconds. Fees, small merchant pool, low stability, and easy code hopping. Although the large POS machines that issue tickets use a deposit system, the rates are low and the most important thing is that the fees are not paid in seconds. Compared with small machines, the savings in one year are far more than the deposit.
Summary
Maintaining a card is a delicate job and should not be done too hastily or blindly.
POS payment community has answers for you!
Strictly speaking, credit card maintenance is to use card swiping as a means to enrich credit card bills and make reasonable repayments, so as to increase the limit.
Traditional large POS machines are generally the first choice for card-keeping POS machines, which are cost-effective, high-performance, and have no single transaction fees.
Based on the standard of card maintenance, the cost comparison between traditional large-scale machines and hand-swiped cards is as follows:
Secondly, the performance of most hand-swiped cards is unsatisfactory, making the choice difficult for cardholders. , at present, many handheld swipes implement deposit freezing in the same way as mainframe machines. In a word, there is no free money for no reason.
Standards for maintaining a credit card: (multiple credit card swiping, diversified credit card swiping, optimizing billing, reasonable repayment)
Number of card swiping times per month: 20 or more is best
Types of card swiping merchants: Mainly merchants for daily consumption such as department stores, entertainment, restaurants, and accommodations (with points)
Card swiping amount: Mainly small amounts, supplemented by large amounts, normal conditions Most of them are for consumption, and individuals do not have too many large demands, otherwise it will be considered a malicious arbitrage behavior.
Card swiping time: Card swiping time is generally within normal behavioral hours (9:00-21:00)
Our card swiping records must comply with normal consumption no matter when and where The logic, card swiping time, card swiping amount, card swiping merchant, etc. must all be logical.
For example: it is not normal to spend money at nightclubs in the morning, and it is not normal to spend large amounts at breakfast.
Pay attention to details in daily card maintenance:
1. Avoid card swiping at night
2. Avoid swiping amounts such as 1000, 1122, 999, etc.
3. The number of card swipes within a single day is within 3 times
4. The single transaction amount is within 30,000
5. Do not check the balance or password on the machine
6. Each transaction has a certain interval
7. The minimum consumption in a single month is 30%, and no more than 90%
8. Remember not to max out your card< /p>
Note: The card-keeping POS machine is the most critical tool. It cannot skip codes, supports self-selection, high-quality merchants, changing terminals, etc.?
Small amounts and multiple transactions, each bill is swiped 15_25 Pen, use as many consumption channels as possible, swipe Alipay, WeChat and physical cards, try to swipe Mcc for restaurants, hotels, etc., and less swipe for hospitals, telecom payments, water and electricity bills and other public utilities. In addition, your question is too general and different. Banks, there are different ways. China Construction Bank basically does not raise the limit by swiping its cards and has no support. The banks that can support it now are China Merchants, Agriculture, and Guangfa. CITIC, Ping An, Communications, China Construction Bank, and Shanghai Pudong Development Bank cannot be played (the quota can be reduced at any time), and it is difficult to raise the quota of China Construction Bank, Postal Savings Bank, and CITIC
It is said that one day in the 1950s, an American businessman, a credit expert in Manhattan, Frank McNamara was entertaining guests at a New York hotel. After the meal, he discovered that he had forgotten his wallet. He had to call his wife to bring cash to the hotel to pay the bill. He was deeply embarrassed, so McNamara created the idea. Credit card companies think.
Although credit cards have been part of our lives for a century, the penetration rate of credit cards in China is still relatively low, with only one credit card for every three people. Compared with the average 2.9 credit cards per person in European and American countries, which accounts for less than 10%, the growth rate of domestic credit cards is very alarming, with more than 100 million credit cards issued every year. How to standardize the use of credit cards and how to increase the limit are the issues that every cardholder is most concerned about. Today I’m going to tell you some tips and tricks you should pay attention to when increasing your credit card limit.
1. Raise the temporary limit first to save the country
It is difficult to raise the fixed credit limit of a credit card, but it is easier to apply for increasing the temporary limit. Therefore, when the fixed quota cannot be increased, the temporary quota can be increased proactively. If your application for increasing the temporary quota is successful, you must use the temporary quota that month, otherwise there will be no chance of applying for an increase in the temporary quota next time. When the bill comes out and you pay it off in one lump sum, it will be easy to get approved if you apply for a fixed amount. Never make minimum repayments or installments after using the temporary quota.
2. Minimum repayment limit for installment cash withdrawal
If you only use a credit card for consumption, the card issuer cannot get any profit from you, so it will be more difficult to increase the limit. Therefore, it is appropriate to make installments or minimum repayments, although you will have to pay certain handling fees and interest. But it is very helpful in increasing the limit, and it is worth it for cardholders in need. In addition to the minimum installment payment, you can also make cash withdrawals. The cash withdrawal here does not mean that you go directly to the teller machine to withdraw cash. If you withdraw cash directly from the teller machine, you will be a fool.
Smart cardholders all have their own hand-swiped POS machines. It is more convenient to withdraw cash by hand-swiping POS machines than from teller machines. At the same time, only a small amount of handling fee is required and no interest will be accrued. The greater benefit is to swipe the POS machine with your hand to collect existing points, just like normal consumption. If you don’t have a hand-swiped cardholder, you can go to the “Pikachu” Life Account in the Alipay APP to apply for one for free.
Of course, cardholders who know how to invest and manage money can also invest the funds they withdraw into money. Even if you place it on platforms such as Yu'E Bao, you can still earn back the cash withdrawal fees, so you need to be flexible when raising your credit card limit.
3. Increase the number of transactions and consumption limit
Card issuing banks all issue credit limits through comprehensive evaluation based on the cardholder’s economic level, spending power, and personal income. . The amount you apply for for the first time is generally about 2-3 times your monthly income. Use your credit card more in daily consumption to stay active. But you must control your consumption limit and never use it beyond the limit. It is best to keep at least 30% of your free balance every month.
Hello, the poster, this is the maintenance card you mentioned. It should be referring to the credit card holder! So there are actually many ways to maintain a card.
Now I suggest the poster to use hand brush to maintain the card!
Because after the country changed the fee to 96 last year, all mobile phone swiping rates are basically unified above 0.6. At such a rate, banks can make a certain profit. . Therefore, the bank has basically acquiesced in the behavior of maintaining a card by hand.
Of course, it is possible to swipe the pension card legitimately. However, there are also several issues that require the poster's attention. Even with the same handheld swiping machine, it is not easy to swipe the card more than a month. Then don’t swipe your card frequently on small swiping machines with low rates. This can easily lead to code hopping. If the code hopping is serious, it is likely to cause the card to be blocked.
Many friends who are using credit cards for the first time have a relatively low credit limit when they first apply for the card. They always hope that the bank can give a higher credit limit. In fact, banks are not stupid. The credit limit has a great influence on the use of credit cards. close relationship. This is actually a process of maintaining a card. Some people’s credit cards can double several times in just a few months, while some people’s credit card limits remain unchanged for several years. How to maintain a card? What are the techniques?
1. If you want to maintain a good card, the most important thing is to swipe the card for consumption. Although users will not incur any fees for swiping the card, the bank will charge merchant fees. If the cardholder swipes more cards, it will create revenue for the bank. Banks will especially like such users.
2. When maintaining a credit card, be sure to avoid sudden large amounts of credit card consumption. This situation can easily be regarded as cashing out by the bank, which is very detrimental to the maintenance of the credit card, and in the process of using the credit card Don’t swipe your card at a POS machine too often.
3. You must be diversified when swiping your card for consumption. For example, you can swipe your credit card to buy movie tickets, meals, accommodation, shopping malls, etc. Diversified consumption will make the bank feel that you have strong spending power, which will improve your spending in the future. The credit will be of great help.
4. You cannot use the minimum payment when repaying a credit card. After using it, the bank will doubt the cardholder's repayment ability. This is not beneficial to the maintenance of the credit card. In practice, try to avoid using it.
5. When maintaining a credit card, you can occasionally use the cash withdrawal function. Using it allows the bank to earn a certain amount of handling fees. The purpose of issuing credit cards is to make money. Cash withdrawals just bring revenue to the bank. The bank is still very happy with the user. Use, but be sure to avoid using it frequently
That’s it for the introduction of credit card overdraft and how to maintain the card.