Diversified consumption should include these aspects:
1. Diversified types of trading merchants
A real and high-quality consumption must have rich trading scenarios, such as eating, shopping, watching movies, or buying medicine, paying gas bills when you are sick and have a cold, paying tuition for children to go to school, buying cultural and sports supplies, alcohol and tobacco gifts, hardware and household appliances, plane tickets for cars and trains, online shopping, etc. Only in this way can you have rich consumption.
Second, the trading area is diversified
Many people say that they have been living in the local area and how to spend money in other places. In fact, this is a very one-sided idea. Everyone may go on business or travel, and it is natural to go out of the province or even go abroad. It is very effective to have a few non-local expenses on your credit card bill, but many people scoff at it.
Third, the acquiring institutions are diversified
The acquiring institutions are also the terminals of payment companies. Nowadays, many people have mobile phone credit cards or large pos machines with multiple merchants, which are very popular now. However, if banks see that you have been in the same payment company for a long time, this coincidence and possibility are really coincidental.
Fourth, the transaction amount is diversified
Many people open credit card bills, which are all tens of thousands of transactions. Real consumers must have tens of dollars to tens of thousands of dollars, and they are basically small and medium-sized transactions. Therefore, we must ensure that all large, medium and small amounts are available, which is generally small and medium-sized.
The above are several aspects of diversified consumption summarized by Xiaobian. You can compare your own consumption habits, hoping to help you raise your credit card.