Many card friends think that credit cards can be swiped casually if there is a limit, and it doesn't matter if they are swiped at one time. Anyway, it is enough to repay on time. I don't know that this practice is more dangerous, especially if you often empty your credit card at one time, there will be some unimaginable consequences. So, is it bad to finish the credit card at one time? Let's introduce it to you. There will be these consequences when a credit card is swiped at one time. Although in principle, a credit card can be swiped when it knows that there is a limit, if it is swiped at one time for a long time, leaving the credit card in an empty state, it will easily be subject to bank risk control. The consequences of being controlled by the bank are serious, specifically in these aspects: 1. It is impossible to handle staging: for example, once the bank of communications is blocked, it cannot handle various staging businesses, even if the credit card amount reaches the standard; 2, unable to withdraw the amount: if you often empty your credit card, but you have been unable to withdraw the amount after using the card for a long time, it may be controlled by the wind; 3. Reduction of credit limit: once the credit card limit is swiped, if you can produce a voucher to prove that it is a normal credit card swipe, the bank will not seal the card, but it may reduce the amount in the long run; 4. Freeze the credit card or seal the card: If you brush the credit card limit at one time and can't get the proof of consumption, the bank will suspect that you have cashed in, and it is inevitable to seal the card. From the above, it can be seen that the disadvantages of swiping a credit card at one time outweigh the advantages, and this kind of swiping behavior is very undesirable.

the correct way is to set aside 2% for each transaction. why should we set aside 2%? This is mainly in line with the "2" in the 258 principle of credit card maintenance, that is, a single consumption should not exceed 2% of the permanent credit card limit, so as to avoid the risk control of the credit card by the bank, which will lead to the reduction of the card, etc., and it will also help the credit card to withdraw the amount. After all, leaving a 2% limit will make the bank feel that you have a certain consumer demand, but you are not very short of money, and you repay on time every month, and the debt situation reflected in the credit report is also quite good, which is very helpful for your credit card withdrawal.

Of course, if you want to raise the amount, you still have to master the skill of swiping the card: 1. Make efforts to spend, whether online or offline, don't miss the place where you can swipe your card, but also diversify your consumption and brush more merchants with points; 2. Staging Dafa, even if you can afford it, you should stage it. Don't miss it when you meet the bank's staging activities. Only if you stage it, the bank will make money and the amount will be properly raised. The above is the related introduction of "Is it harmful to brush up the credit card at one time?". All in all, it is easy for banks to take risks when credit cards are swiped at one time, which does not help to raise the amount. It is suggested that it is best to reserve 2% of the amount for each transaction, and the amount of credit card spending should not exceed 8% every month, and it will be easier to raise the amount if you master certain credit card skills.