First, with the diversification of transaction types, a truly high-quality consumer must have rich transaction scenarios. For example, eating, shopping, watching movies, or buying medicine, paying gas, tuition for children to go to school, buying cultural and sports supplies, tobacco and alcohol gifts, hardware and electrical appliances, plane tickets, online shopping, etc. Only in this way can rich consumption be true.

2. Diversification in the field of trade. Whether traveling or traveling, going out of the province or even going abroad is a matter of course, so there are several non-local expenses on the credit card bill, which is beneficial to increase the credit card limit.

Third, the acquirer is diversified. The acquiring institution is the terminal of the payment company. Nowadays, many people have mobile phone credit card readers or large pos machines with many merchants, so they can change several merchants when spending.

Fourth, the amount of transactions is diversified. Many people's credit card bills are tens of thousands of transactions, so a real consumer must have tens of dollars to hundreds of thousands of transactions, so it is necessary to ensure that there are large, medium and small transactions when spending.