If the card is opened successfully, the amount shown on the card is the amount we can spend, and it cannot exceed this amount. After spending by credit card, you should repay it in time. The bank stipulates that credit cards do not need to pay interest within 60 days, interest-free; Once it is more than 60 days, the bank will send us a message to remind us that it is about to be overdue and tell us what the penalty interest is.

When we usually use credit cards, we should not spend blindly, but use them according to our actual income. Spending in advance is not overspending.

First, improve the credit card limit skills:

1, continuous frequent credit card consumption. (1) Persistence means that once you have a credit card, you must insist on spending it by credit card for a long time. It is best to swipe your card continuously for more than 3 months every month, and then freeze it for a long time, without a period of time. (2) Frequent sexual behavior is a place where you can spend by credit card, that is, try to spend by credit card. Regardless of the amount, quantity, brush amount and merchant, it is best to swipe your card. If you swipe your card at one time, it is considered easy to doubt that you have a credit card, and it is difficult to specify a number.

2. Pay attention to the credit card limit and temporary withdrawal. Pay attention to the credit card limit and make full use of temporary withdrawal.

3. Stick to the application and seize the opportunity to apply. Stick to the application and apply at the right time. For credit card users, they will insist on using their mobile phones to apply for credit card promotion, because different customer service or staff members have slightly different attitudes and principles in handling applications, so they may pass next time. Sticking to the telephone application leave record is also helpful for applying for quotas in the future.

4. Threaten or suspend hibernation with a password card. Threaten or suspend hibernation with a password card. When your application has been rejected many times, you can consider using this trick to directly tell the customer service or staff of the bank that if the credit card can't meet the actual demand, you'd better put forward some facts, and your attitude is definitely not bad. It's best to use both hard and soft, which is easier to discuss and there is room for manoeuvre.