The initial limit assessment of a credit card (debit card) is determined by the bank based on the qualifications of the card applicant. The card applicant’s work situation, income status, financial proof and past credit record, etc., will all be determined. Affects the review and limit determination of credit cards (debit cards).
Under normal circumstances, the limit applied for for an ordinary card is only a few thousand yuan, or even less. From card opening to use, it takes at least half a year to increase the limit, and banks have relevant regulations for credit card (debit card) limit increases. For example, the card must be used for half a year or more than a year. Therefore, if the initial limit of the cardholder is very low, do not give up. It is recommended to activate it first and accumulate it by swiping the card.
As long as you can pay with a credit card (credit card), you can choose to pay with a credit card (debit card) as much as possible. Whether it is bulk commodities or daily necessities, no matter the amount, as long as you can pay with a card Local governments use card swiping to increase the number of times they use credit cards. After a period of time, after the bank sees the cardholder's consumption records, it will be easy to apply for a limit increase. The bank will even automatically handle it for the cardholder. However, Remember to repay your loan on time.
According to a domestic bank staff member, the personal credit report shows the repayment record of the last 24 months. If there is a bad record, you must continue to use it for at least 24 months and make sure it is on time. Make the payments so that a good impression of recent payments will appear on your credit report.
Not all merchants can generate income for banks, so these corresponding banks usually do not allow cardholders to accumulate credit card (credit card) points for card transactions at such merchants. Such card transactions There is no obvious help for cardholders applying for a limit increase. It is recommended that cardholders make more transactions with their cards at merchants with points.
“In addition, different types of merchants should be swiped as much as possible. For example, after swiping a few catering transactions, you can swipe shopping malls and supermarkets to maintain transaction diversity and not let the bank mistakenly think that the card holder Some people are suspicious of cash," said Peng Liang, financial manager of China Merchants Bank City Branch. According to Ms. Chen, a senior credit card user, credit card points cannot be accumulated when purchasing some consumer goods, such as wholesale, charity, home decoration and building materials and other consumer goods.
AA system is very popular among young people nowadays. The approach of Xiao A, a veteran card user, is that she can actively ask to pay the bill when checking out and use her own credit card (debit card) to pay. Friends will pool their share of the money together and return it to her in cash. . In this way, Little A's credit card (debit card) consumption points are getting more and more, which can be exchanged for some small gifts provided by the bank, and can also increase the number of card swipes. Usually when a friend needs to make a large purchase, he can take the initiative to ask for companionship. He can also use his own card to pay for the friend and then collect the friend's cash.
Since credit cards (debit cards) charge fees for cash withdrawals, using this method allows you to borrow money from the bank without any fees, and also brings you cash flow. However, this requires the cardholder to have time.
Banks launch credit cards (debit cards). In addition to encouraging consumers to use bank money for consumption, the profits earned are not too much. The more profits are in credit card (debit card) installments and bills. Installment and other business. You can apply for installment business when buying houses, home appliances, and cars. In short, you want to maintain your card well, increase your credit limit, and make the bank profitable. The standard for handling this business is that it can be measured through bank phone sales. If the bank proposes cardholders to apply for installment payment, it can also be considered at its discretion.
To make banks profitable, is it faster to apply for a credit card (debit card) to withdraw cash? Ms. Wei, a staff member of China Merchants Bank City Branch, said that if possible, do not use credit cards (debit cards) to withdraw cash. If the current bill cannot be paid in full, it is recommended to apply for installment payment. Do not only pay the minimum repayment amount, which will make the bank It feels like your financial resources are starting to be stretched thin. If you withdraw cash locally, the bank will also doubt your financial resources, which will also affect the withdrawal amount. If you often go overseas to spend money or withdraw cash, this situation will be helpful for increasing your balance.
To repay credit card (debit card) consumption in a timely manner, you need to maintain good card usage habits and records. When using credit card (debit card) consumption, you must still consume within your ability. Remember to repay the loan in the future, and don’t fail to pay it overdue. If you cannot repay the loan on the final repayment date and do not want to affect your personal credit record, you can apply to the credit card (debit card) customer service center over the phone to defer the repayment. However, the extension time cannot be too long. Most banks can only delay it for one day. It is worth reminding that each cardholder can only enjoy this service once per year.
Judging from the above skills, the most important way to maintain a card is to swipe the card more, but you have to pay back the money if you swipe the card. Excessive consumption in order to maintain the card is not worth the gain, so some cardholders want to find Professional support card to help support. Card raising is actually an intermediary for cashing out credit cards (debit cards). They use POS machines to make fake transactions, help cardholders swipe their cards to repay, and charge a certain handling fee.
By raising a card, the cardholder has to bear a great risk, because the cardholder will have access to the cardholder's information, which will lead to the risk of leakage of personal identity information. After withdrawing the money, the cardholder has to pay a certain handling fee to support the card. This amount may not seem like a lot, but the more times the money is withdrawn, the total cost will be high. Over time, it will be a large amount of expenditure. This kind of using the card to maintain the card This method can easily develop the habit of over-consumption and delay the crisis of credit card (debit card). When debt breaks out, the cardholder will be plunged into a huge crisis. In addition, there are legal risks. Statement: The article comes from the Internet and is only for netizens to learn and communicate. If there is any infringement, please contact us to delete it.