Repeated swiping is a way to increase the credit card limit. Banks also like such users, but don't brush the credit card limit every month, which will make banks suspicious. I believe that most credit card holders don't do this every month. It is better to control the monthly quota at around 70% as far as possible. Therefore, paying attention to the credit card limit can also avoid the credit card being controlled by the wind.
2. Pay attention to the time and place of swiping the card.
The best time to swipe your card is between 9 am and 8 pm, which is the normal business time of the business. The merchant account number in the hand-brush POS machine should be located in this city or this province. Otherwise, if you spend money across regions in a short time, who will control the bank without Feng?
3. Diversified credit cards
After a large amount of consumption, you can make several small purchases, especially for customers who have just applied for a card. It is better to go to a large supermarket to do a few small transactions first to prove that the card is in normal use.
In addition, after a large amount of consumption, you can make several small purchases, especially for users who have just opened the card. It is better to go to a large supermarket to do a few small transactions first, which is also a proof that they use their cards normally. Another way is to do staging. From the perspective of interests, banks encourage users to stage, and occasionally stage can gain the trust of banks.
4. Don't always enter the wrong password on the pos machine.
Friends have a lot of cards and will forget their passwords and balances. Now there are many official bank apps that can audit accounts, so be sure to confirm your password and balance before swiping your card on pos. Don't always enter the wrong password on pos, which will easily lead to risk control.
5. Overdue or long-term arrears
Often overdue repayment, banks will think that cardholders do not have the ability to repay on time, and then reduce their credit limit. In order to prevent cardholders from continuing to owe more money, banks will reduce the amount and even freeze credit cards.
6. Avoid abnormal consumption
If there is an obvious abnormality in credit card consumption, it will be considered as a credit card cashing behavior. Although the bank turns a blind eye to the credit card cashing, if the credit card is cashed illegally, it will still be controlled by the bank's risk, and then it will reduce the quota and stop the card.