In recent years, POS machine-based cards have become the first choice for many credit card (debit card) users. Regarding the bank’s criterion for judging the quality of credit card (debit card) users, of course, the more they spend, the more they spend. The better, but users with tens of thousands or even hundreds of thousands of credits cannot spend all their money every month, so they can only maintain their cards in this way.

Genuine machines ensure the safety of funds

Everything is safety-oriented. After all, it involves financial issues, so it is very important to choose genuine agents. When applying for a secure POS machine, the most important thing to confirm is the following three points:

1. Check whether the payment company (third-party platform) has a license from the central bank and is qualified to acquire bank cards.

2. See if the agent can provide a backend where transaction information can be queried to ensure that the settlement card bound to the backend is the customer's own.

3. Ask the agent if there is professional after-sales service. If there is a problem after buying the machine, after-sales service is also critical.

4. Do more research and prepare more. If you encounter a payment company that you don’t understand, it’s best to Baidu its industry information and company information.

Machine configuration to ensure increased credit efficiency

When purchasing a machine, it is recommended that you buy a machine with one clear code, so that its security is much higher. If there is If you have limited funds, you can cooperate with multiple merchants on one machine, but you must remember that one machine with multiple codes is only used to optimize the bill. It is best for the main machine to clear one code.

Identify QR code

1. Machine merchant ratio

You need to maintain a card and arrange at least twenty-five independent merchants: hotels, restaurants, jewelry, KTV, beauty salon, bowling, western restaurant, bar, department store, fitness, laundry, bakery, convenience store, car wash, furniture, office supplies, gift shop, clothing store, shoe store, barber shop, amusement park, movie theater, Supermarkets, electrical appliances, gas stations and other businesses.

Among them department stores, convenience stores, hotels, jewelry, restaurants, supermarkets, and electrical appliances, more than two merchants can be configured. What we are talking about here is the basic configuration of the intermediary. For individuals, it depends on their own situation. You can prepare a few units to test the effect first, and then add them in batches later.

2. Merchants that are conducive to increasing the credit limit

Maintaining a card is to simulate real consumption and daily consumption trajectory. Most people’s life circle is stable, and they often spend money in their favorite places every month. Consumption in restaurants, hotels or bars is a very normal transaction method for normal people.

You can swipe your favorite merchants in the bank, which are also the most beneficial to increase your credit limit, such as gold stores, jewelry stores, golf, restaurants, bars, cafes, department stores, hotels, gyms, beauty spas, and KTV , bathing shops, clothing stores, maternal and child stores, tobacco and alcohol stores, travel agencies, etc.

Swipe credit card (credit card) to simulate real consumption

1. Credit card (credit card) limit, both large and small amounts must be swiped, and multiple transactions should be made in small amounts Lord.

For example: if the card limit is 20,000, then it is best not to exceed 10,000 in a single transaction. Instead, make several small transactions at different merchants:

For example, in a department store or convenience store in the morning Spend tens or hundreds of yuan in stores,

Spent several hundred yuan in restaurants at noon and afternoon,

Spent several hundred to several yuan in KTV, gyms, bathing centers, bars and other businesses in the evening. Do not make more than three thousand transactions per month (the exact amount and number of transactions depends on the card limit, don't be too rigid), and the total amount of credit card transactions per month should not exceed 80-80 of the limit. 90.

2. Use credit card (credit card) time and different merchants in different time periods to make the simulation more realistic.

Morning: From 6 a.m. to 10 a.m., I mainly buy breakfast, mainly at supermarkets, convenience stores, bakeries, and non-staple food stores. The amount is between 10 yuan and 100 yuan.

Noon: 11:00 to 3:00, main shopping: restaurants or restaurants, convenience stores, bakeries, etc. 100 yuan to 2,000 yuan.

Afternoon: 4:00 to 7:00, main brush: hotel or western restaurant, etc. 100 yuan to 2,000.

Evening: 7 to 10 o'clock, shopping, daily entertainment: department stores, supermarkets, fitness, bars, beauty salons, bowling, KTV, cinemas, etc. 100 yuan to 5,000 yuan.

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