Question 1: What is the meaning of credit card raising? Card raising: after overdrafting the credit card, after paying a certain handling fee, the "card holder" will advance the overdraft fee and use it on the POS machine provided by himself. The credit card was used to make false purchases.

"Card keeping" is popular among urban white-collar workers. They mainly pay handling fees to ask others to advance credit card overdraft fees, and then make false purchases. This way to ensure that credit is not damaged. People in the banking industry remind that "card maintenance" can easily lead to the leakage of credit card information, which can be used by criminals to make profits. Moreover, "card maintenance" is actually a form of cash arbitrage and is prohibited by law.

Question 2: What does it mean to use a card to support a card? When your credit card overdraft is about to exceed the bottom line, you use credit cards from other banks to fill the gap. This is to use your card to support your card. Generally, such people are card slaves... For example, my ICBC card is about to exceed the overdraft bottom line. I Just go to another bank to apply for a credit card, and then use the overdraft method to apply for a bank card to fill the overdraft on the ICBC card to continue spending. Then use your salary to cover the interest and repay part of the overdraft, and then continue the cycle, working to pay off the card. , life, this becomes a card slave. Live: The interest rate after overdraft is very high. Using a card from another bank to overdraft is equivalent to incurring a new debt. The above description is a bit hasty, it should be "apply for a credit card"... By the way, overdraft is explained. Overdraft is when the consumption amount on the credit card is greater than the remaining amount on the card, the money that can be used in excess is the overdraft. The upper limit of an overdraft credit card is determined by the relevant income certificate issued when you apply for it. Credit cards can be processed at many banks. Generally, there is an interest-free period for overdraft purchases using a credit card, which means that no interest is required to be repaid during this period. When the overdraft amount is too large, the bank will call for payment. If you fail to pay for a long time, the bank will sue you for fraud. Therefore, in order to avoid prosecution by the bank, there was a practice of using credit cards to support credit cards.

Question 3: What does it mean to maintain a credit card with a credit card? The so-called "card maintenance" means that the "card maintenance" company first uses its own cash to pay off the debt for the cardholder, so that the credit card will show normal repayment. Then, the corresponding amount of cash on the card is "drawn out" through false consumption methods such as swiping POS machines. In this way, the credit record of the cardholder will be normal, and the cash will still be transferred to the company that "raised the card". If this cycle continues, the cardholder can delay repaying the money to the bank for several months, and no overdue interest will be incurred. The "card raising" company charges a certain percentage of handling fees. In the final analysis, "card raising" companies take advantage of the bank's interest-free period to use the bank's money to lend.

This kind of "card maintenance" service is directly provided to credit card holders in the form of false transactions, and personal economic risks have risen to legal risks.

How to raise a card

Cardholders only need to bring their ID card, bill and credit card to apply. Even if the card raising company repays the loan for you, the bank will not know. It will only show that your credit card credit is good. Moreover, during the process of "card raising", the company's card swiping can also help you increase the number of card swiping times, and the bank will continue to increase your credit limit and integral.

For POS machines with ordinary profit sources, the handling fee charged by UnionPay is between 0.8 and 1.5. In order to obtain higher profits, professional cardholders generally use POS machines with a capped handling fee of 20 yuan. , calculated in this way, a handling fee of 250 yuan is charged for repaying 10,000 yuan, excluding the cost of 20 yuan, the net profit is 230 yuan.

Hidden dangers

Keeping a card is very risky. As long as the card company has important information such as the cardholder's credit card, password, ID copy, statement, etc., it will be easy for them to overdraft and withdraw cash again after repaying the advance. They may even go to other banks to obtain a new card and maliciously overdraft, causing the cardholder to overdraft. Property damaged.

The relevant person in charge of the Jiangsu Banking Regulatory Bureau said that it is not ruled out that some people borrow money from "card raising companies" to cash out and then use the money in high-risk industries such as stock trading, investment, and money lending. Once their capital chain is broken, cardholders will It will face huge debts and bring greater risks to the bank's financial security.

The "Notice on Issues Related to Preventing Credit Card Risks" of the People's Bank of China and the China Banking Regulatory Commission clearly stipulates that it is illegal for cardholders to cash out and for merchants to provide cash-out services. Financial institutions need to join forces with industry, commerce, public security and other departments to form a joint force to further crack down on underground "card maintenance" behavior.

Question 4: What does everyone mean by using credit cards to maintain cards? How to raise it? 5 points means you can calculate the exact time to make up for the loss.

Under normal circumstances, the principle of card maintenance is to stagger the repayment dates of several credit cards. Use the first credit card for daily consumption, and then use the first credit card for daily consumption. Before the payment deadline, use the overdraft on the second credit card to withdraw cash, and pay off the debt on the first credit card, and so on, and rotate overdrafts on several credit cards.

Question 5: What does it mean to maintain a credit card? The main purpose of maintaining a credit card is to increase the credit limit, so that you can have more available credit limit when you need money urgently later!

Question 6: What is using a card to support a card? Just become a card slave! After overdrafting one card, you are unable to repay it, and then you apply for a second card. You use the money from the overdraft to repay the overdraft amount on the previous card. This goes on and on, and in the end the deficit gets bigger and bigger!

Question 7: How to maintain a credit card with a credit card? Tip 1: "Use your credit card to maintain your credit card" to reduce the repayment burden

Zhang Xiaoya's salary income is at the upper-middle level, and her life was originally relatively comfortable. But since I bought the car, in addition to having to repay the car loan of 3,500 yuan every month, I also have to pay a lot of money for gasoline, maintenance and other consumer expenses every month, and my life is much tighter than before. Once, Zhang Xiaoya talked about this with a friend who worked in a bank. The latter suggested that she go to the bank to apply for three credit cards and use them alternately. In this way, she could enjoy a small interest-free loan for up to 50 days, maximizing the reduction in car costs. The pressure of loans and daily consumption. Zhang Xiaoya has applied for 3 credit cards, and the billing dates are on the 5th, 11th and the end of each month. From the 6th to the 12th of each month, swipe the card with the bill date on the 5th first to get the longest interest-free period. Between the 12th and the 30th, the card statement date is the 11th. From the 1st to the 5th of each month, swipe the last card. From this, the large monthly consumption can be broken down into the past three months.

Reminder: Even if you use a credit card, you can enjoy the longest interest-free period if you start consumption on the second day of the statement date. However, when you have too many credit cards, it’s easy to get your billing dates confused. Therefore, in addition to having a reasonable grasp of the consumption limit of each card, you should also make a detailed list. Not only should you keep a clear diary of the bills of each card, but also list the repayment dates item by item to avoid being fined by the bank for delaying repayment. interest. "Consumption" on behalf of others, and "generating" money by using the card.

Tip 2: swipe your credit card to pay the bill, collect part of the money and cash it out directly

Every time when friends get together to have an AA party, Yao Meifang takes the initiative to ask to pay the bill when checking out. This is not because she is generous, but because she uses her own credit card and her friends give her their share of the money. In this way, Yao Meifang has more and more credit card consumption points, which can be exchanged for many small gifts. Whenever a friend needs to make a large purchase, she will take the initiative to accompany him. She will also use her own card to pay for the friend and then collect cash. Yao Meifang is proud of this. There is a handling fee for withdrawing cash with a credit card, but this method of hers does not require any use and she will still "borrow" money from the bank.

Reminder: Nowadays, many people know how to enjoy interest-free discounts when using credit cards, but not many are as smart as Yao Meifang. Of course, it is not easy to "pay the bill" for her friends and "borrow money" from the bank like she did, because she may not always be the protagonist in her friends' "dinner parties", nor may she always be around. Friends who need to make large purchases but do not have a credit card, and points cannot be obtained for some purchases, such as buying cars and building materials, etc.

Tip 3: Use indirect investment during the interest-free period to earn the difference

Chen Xiaoyan’s financial management method is mainly to purchase treasury bonds and funds. After applying for a credit card, she discovered a new way to use credit cards to manage money: after her monthly salary, she would set aside part of it as a spare, and use the remaining money to buy money market funds. She would use credit cards as much as possible for daily expenses. She set a redemption date for the fund. Two days before the credit card repayment date, this means using the redeemed fund money to pay off the credit card.

Although the current yield of money market funds is around 2, it is still much higher than the yield of bank demand deposits. When the fund is redeemed every month, Chen Xiaoyan will earn the difference between the two and obtain indirect "monetary" income.

Reminder: This method of using the interest-free period to indirectly benefit from credit card investment funds is a good financial management technique. However, investing in funds has certain risks after all. When purchasing funds in this way, you must consider your own repayment ability to avoid being "fined" by the bank due to insufficient repayment ability and overdraft amount exceeding the credit limit.

Tip 4: Try to swipe the card as many times as possible to increase the credit limit

Many people hope that their credit card limit can be larger, so that the credit card swipe permissions they have during the consumption process will be corresponding. The land is bigger. However, it is understood that the maximum overdraft limit for credit cards applied by ordinary white-collar workers is only 5,000 yuan. For this reason, many cardholders have called the card issuing bank twice to increase the limit, but the bank will often tell them that the limit cannot be increased on the grounds that "the card swiping frequency is not high enough". Therefore, if the majority of cardholders want to increase their credit card limit, they should use credit cards to purchase things in the future unless they are not available in places where credit cards cannot be swiped. Therefore, regardless of the amount, they should use credit cards wherever they can swipe cards. Frequently Use a credit card.

In fact, when applying for a credit line from a bank, the bank must first determine whether you have this need. It must first check your card usage to see if you are a new card user, check your consumption records, and then See if your quota is really not enough. It is obvious that swiping your card more frequently will help increase your balance, but you must remember that after swiping your card, you must repay the loan in a timely manner, and there must be no bad records such as defaults or late fees and penalty interest. ...gt；gt;

Question 8: Use the card to maintain the card. Did you not calculate the daily interest on cash withdrawals?

The interest rate for credit card cash withdrawals is 50,000 per day. Let me give you a calculation:

If you withdraw 1,000 yuan and repay it within 50 days at most, then you have to pay the bank The interest is 1,000 yuan * daily interest of 5/10,000 * 50 days = 25 yuan

Yu'e Bao calculates based on the 5-year interest rate (note, it is the annual interest rate), then you get the interest by depositing 1,000 into Yu'e Bao It is 1,000 yuan * 0.05/365 daily interest * 50 = 6.85 yuan

According to the above calculation, you will lose 18.15 yuan within 50 days. At the same time, if you do not repay the bill in full, interest will be compounded and the loss will be of more.

Of course, it is not ruled out that there are other ways to reduce the handling fee, because those methods may be illegal, and I don’t want to say more here. The risk is high, so no matter what, it is recommended that you do not consider this method. How it works. Typing on the phone is slow. If you have any questions, please ask. I hope my answer will be helpful to you.

Question 9: How to use a credit card to maintain a credit card, please provide detailed methods. Just check the repayment dates of your three credit cards. If there is no overlap (the date of the payment is the same date, but the billing date is different), it will be ok. If you see which card is about to expire, if you want to repay it, just use two other cards to pay off the card that is about to expire, and so on. However, generally there may be a handling fee for cashing out.

Question 10: What does it mean to maintain a credit card? The credit card statement dates of different banks are different. Overdraft other banks and use the card limit to repay the bill of this bank card, and the cycle repeats. . This way you always have extra money to spend. But it's not a long-term solution. Use with caution