◆ 13 card raising skills

1. Pay attention to two dates: bookkeeping date and repayment date.

Generally, the repayment date is 20 or 25 days after the bill date, with the longest interest-free period and the shortest interest-free period.

2. Credit card information protection.

The three key information on the face of a credit card: card number, expiration date and CVV code, affect your card security, especially CVV code, which is as important as password. It is recommended to cover CVV code with correction fluid or sticker, and some people are even worse. Scrape off the CVV password with a blade and remember these three numbers.

3. Diligently handle credit cards, in order to avoid annual fees; Only when the repayment is made on time can the amount be withdrawn.

Generally, you can avoid the annual fee by swiping your card six times. So be sure to pay the annual fee. In addition, we can increase the credit card limit by swiping more cards and swiping frequently. At the same time, being able to repay on time and maintain a good credit record is also a way to improve the credit limit. In addition, introduce another method to increase the quota, that is, do more credit card installment, and let the bank earn your money, so as to increase the quota faster. This method is costly and should be used with caution.

4. Choose the repayment method that suits you best.

In this information age, repayment methods are diversified, and you don't have to go to bank outlets or ATM to transfer repayment. Credit card repayment methods include Alipay repayment, debit card binding automatic repayment, UnionPay online repayment, online banking transfer repayment, Tenpay repayment and so on. So, choose the way that suits you and repay in the quickest and most convenient way!

5. If the cash flow is not good, or the repayment is delayed due to something, you can call customer service to apply for deferred repayment.

That is to say, if your funds can't be turned over temporarily, or repayment is delayed due to some things, then don't worry, call the bank customer service immediately and apply for an extension of repayment for one to three days. General bank customer service will help you postpone!

6. What if the funds are tight? Apply to change the bill and extend the interest-free period.

When applying for changing the bill date, we should pay attention to calculating the bill date and time, enjoy the longest interest-free period, and relieve the pressure of tight funds. However, this skill is not available every month. It is said that some banks can only apply for change once every six months, some banks can only apply for change once a year, and some banks can only change once in their lifetime!

7. Say no to all unreasonable charges

Anyone who has unreasonable charges for credit cards can call customer service and bargain with customer service to apply for cancellation of unreasonable charges. If the customer service doesn't agree, you can stick to the complaint in the end and generally win the case.

8. Use credit cards carefully.

Credit card installment interest is very high, even if it is interest-free, the installment fee is not cheap, so use it carefully and don't let the bank earn a dime! Of course, except for those who can't repay the credit card arrears on time under special circumstances, except for those who want to increase the credit card limit as soon as possible.

9. Pay attention to various credit card consumption traps.

Always remind yourself to be alert to various credit card consumption traps, such as the credit line provided by Bank of Communications, which is similar to micro-credit loans with extremely high interest rates. In case the credit card specialist sells it, they will refuse, and those who sell insurance with credit cards will refuse!

10, try not to use it for cash withdrawal.

Credit cards cannot be used to withdraw cash. You don't approve of withdrawing cash by credit card unless you need emergency, which is very urgent. The handling fee and interest can't be hurt! Remember, credit cards are used for consumption, not cash withdrawal!

1 1. Don't deposit money in a credit card.

Saving money into a credit card is called overpayment, and it is difficult to withdraw money by saving money. Generally, it is necessary to pay a handling fee for withdrawing cash from a credit card. If it is not necessary, don't deposit money in the credit card.

12. Does the credit card have a password? with different opinions

Some people say that it feels like streaking without a password. So, does the credit card have a password? Different people have different opinions. Generally speaking, credit cards are safer without passwords, but the key is to see if the bank provides you with card loss protection.

According to the consumption habits of China people, we should use the combination of signature and password to swipe our cards. Pay attention to develop good credit card habits in daily life, protect your credit card information, report the loss in time, and avoid greater losses.

13. Clever use of official credit card WeChat for consumption reminder.

◆ 19 card experience

1, the number of swipes per card is more than 5 times a week and more than 20 times a month. Reasonable monthly increase, 25-30 strokes per month is the best.

2. The credit card limit should be combined with large consumption. If it is trivial and small consumption, the bank will not treat you as a quality customer, and there are often large consumption to prove your consumption level.

3. It is forbidden to empty the quota in a large number of integers as soon as the account is issued. Basically, it was hollowed out at this time and immediately controlled by the bank. And after March, the risk control is getting stricter and stricter, so don't die.

4. It is best to swipe 1-2 cards per day for a single card. And the same card should be brushed at least 3 hours apart, and different cards should be brushed at least 5 minutes apart.

5. It is best not to spend more than 50% of the total card amount at one time. Of course, if the amount is low, even if it is real consumption, it is best not to concentrate on brushing.

6. It is forbidden for anyone to check the balance on the POS machine before swiping the card. This is a proposition.

7. Don't swipe the same card more than 3 times a day.

8. Don't always use 0, 6, 8 and 9 as the card mantissa; Don't swipe your card with the same last three digits, such as 23333; Don't be an integer, such as10000; Not straight, like 5678.

9. The best time to swipe your card is from 9: 00 in the morning to 10 in the evening. During this time, there are businesses in business, and try not to swipe your card at other times.

10, occasionally in stages. Especially now, banks will take the initiative to call for installment, and many of them spend money to buy cash withdrawals, which can be divided into a small short-term installment, so that banks can also make a small profit.

1 1, try not to leave an empty card, and leave it around 10%-20%. The bank will not think that you are short of money. Of course, if the credit card limit is already very low, then tell the bank by swiping the card that the credit card limit is not enough.

12, choose merchants with credit cards as far as possible.

13. If you are eligible for the temporary quota, use it. The temporary quota is about to expire, and the general bank will remind you whether to renew it for a period of time. Do not hesitate to continue at this time. Except for the four major banks, it is generally easier to transfer quotas. Of course, remember the provisional quota rules and don't be trapped.

14. If you fail to swipe your card once, never try to swipe your card with a low amount again. Even if it is successful, the risk is too great. We should grasp the remaining credit of the card in real time.

15, card use time, card holding time more than half a year, and monthly transaction volume, timely repayment, high success rate of basic line. Most banks can only apply for the first mention after half a year, and then apply every three months, so they must take the initiative to apply. Some banks can only be invited. When the phone calls, just ask the number.

16, foreign consumption is very helpful to increase the amount. If you can travel and shop abroad, be sure to bring a credit card and brush it hard. Moreover, there are too many overseas activities, and all kinds of cashback double points, so it is easy to swipe your card again.

17, if you have spare money, go to the bank to deposit and buy bank wealth management. Let the bank know that you have spare money to invest, and you will know more about your economic strength. This is the best way to limit the quantity.

18. Don't brush it out once after one-time repayment. Especially on the repayment date, it is taboo to pay it back and brush it off at one time.

19, I did a lot, but I couldn't get the amount. It's time to try the freezing method, stop using it completely, or pretend to cancel the card.