What exactly does it mean to maintain a credit card? What's the use?

Generally speaking, what people call maintaining a card is when it is inconvenient for me and there is pressure to pay off the credit card bill. Find other people or other institutions to advance the repayment on your behalf, and then return the advanced funds in the card to the investor. I only need to pay a small handling fee to achieve the purpose of not affecting my credit. Theoretically it is possible.

The specific functions are all theoretical. For example, with this method, you don’t have to worry too much about the monthly consumption of your card. You can use it more and more, but of course it has to be within the scope of your acceptance. Reaching high consumption will theoretically help increase your quota.

And many people apply for many credit cards and repay each other according to the bill date and repayment date. Similar purposes can also be achieved.

Nowadays, there are many software that can easily manage credit cards, such as Money Detector Card Pack. Large enterprises are beginning to pay attention to this business.

However, it is still recommended to consume reasonably and manage your assets rationally. Hope the answer is helpful to you.

Why should you choose a credit card?

We have compiled some information for reference as follows:

Entrust your credit card to a professional third-party organization for management and use, so as to achieve low-interest-free repayment, repair credit, and increase the limit. purpose. In short, it means handing over the customer's credit card to a professional card-using institution for all-round operations, such as repayment when due, real consumption operations, etc.

1. With the development of the modern financial industry, people are using financial products such as loans and credit cards at an increasing rate. However, most of them are card-illiterates. They only know how to maintain a car, but do not know how to use a card, or even do not know how to use a card. I know how to use a card.

2. Many users use credit cards to make online purchases, often cheating, looking for help with repayments or overdue payments, minimum repayments, over-limits, excessive installments, etc. As for credit card scores that are insufficient, they may enter the bank's high-risk customer list or Blacklisted, even reduced or blocked by the bank, and can no longer do business with other banks.

3. Many users have obvious needs for credit lines, but they have used the card improperly for a long time or the comprehensive score of card use cannot meet the limit increase standard. Therefore, they need to use the card like a car to maximize the value of the card. Play it up and keep increasing your credit limit.

4. Many users have multiple bank credit cards, but the overall credit limit is not high. Having too many small cards is not only inconvenient to manage, but also takes up bank resources. Users with many cards (more than 5) are easy to be cheated by the bank. Classified as a high-risk customer (more credit cards means more debt, poor repayment ability, and easy fraud).

5. Many users hope to have 1-2 large credit cards with sufficient credit limit for use to improve their personal status.

6. Credit cards are of great value, and it is necessary to continuously cultivate and improve their credit value, that is, starting from the most basic card use, and continuing to enlarge the credit limit through reasonable planning and professional operations.

7. In the past year or two, many people in major cities have raised the use of cards to a strategic level, not just at the basic level of maintaining cars, houses, and wives. Therefore, use them carefully. Cards are an absolute trend.

8. The card swiping machines of many merchants (including regular UnionPay merchants) are code-setting and hopping machines. After swiping, the credit card will be greatly damaged, and the user will not be able to detect it.

Hope this helps! !

What does credit card maintenance mean?

Credit card maintenance refers to the process in which cardholders gradually increase their credit card limit by accumulating good credit card records through legitimate methods. The purpose of credit card maintenance is to increase the credit card limit and upgrade a low-limit credit card to a high-limit credit card, thereby increasing the credit funds available to the cardholder to meet the cardholder's own needs.

1. How to maintain a credit card

1. The consumption places can choose supermarkets, restaurants, home appliances, KTV, hotels, shopping malls, bakeries and pastries, etc. Especially when spending in large chain institutions, use credit cards for small payments. , helps to maintain the card and increase the credit card limit.

2. Diversify consumption channels, diversify spending in multiple aspects such as home furnishings, travel, etc. Secondly, the consumption location cannot be single, swipe your card at multiple locations, and swipe your card every month More than 30 times, the consumption quota is more than 60.

3. POS machines are generally used for credit card consumption. The best time for credit card swiping in a day is between 9:00 and 21:00. The same card cannot be swiped twice or more in a short period of time. It needs to be divided into intervals, such as morning and noon. Late or the next day. Every weekend or holiday, you can take advantage of the strong consumption and spend more.

4. It is best to control the consumption amount within 5,000. When swiping the card, try to use decimal points. Do not swipe numbers such as integers (such as 8500) or close to integers (such as 8002). The number of card swipes for large amounts does not need to be high. If it is too high, it will appear abnormal. Just one or two transactions per month will make the bank think that you do not have enough money.

5. The rate exceeds 0.6. The bank regulations are 0.6-0.75, which is normal. If it is too low, the bank will not make money. If the code is skipped, the bank will face a reduction or card closure.

6. Don’t draw out the credit limit immediately after repaying the loan. There must be an interval. When repaying, don’t pay it off all at once. Occasionally repay small amounts in installments to allow the bank to earn some money. Money, the amount can be raised faster.

7. Never make late repayments, as this will affect your credit score; try not to make minimum repayments, which will not only cause high interest rates, but will also be unfavorable for raising the limit; occasionally use a temporary limit.

How to maintain a credit card? How many pictures are suitable for ordinary people?

The logic of credit cards is actually similar to that of consumer loans. They will conduct user profile analysis. Only people with high comprehensive evaluations will be given higher credit limits. Generally speaking, 2-3 credit cards are enough. Too many credit cards will make it difficult to keep a repayment diary, and setting them to similar repayment dates will waste the interest-free period.

In fact, the purpose of everyone's credit card is to increase the credit card limit. Simply increasing the number of credit cards is of little significance. According to my personal experience, there are basically two ways to increase the limit: high monthly consumption amount and high own earning capacity. However, relying too much on consumption to maintain a card is putting the cart before the horse, and once the card limit reaches a certain level, it will be more difficult to increase the limit. Generally speaking, 2-3 credit cards with a total limit of 100,000-200,000 are basically enough for ordinary people. Even for a luxury trip to Europe, this amount is completely sufficient. Besides, you have to pay back the credit card, and it’s not free, so the higher the limit, the better.

My monthly credit limit is not very large, it is just daily consumption. But as long as my tax payment amount is large, the credit card center will take the initiative to call me to raise the amount. The limit of one of my cards was directly raised to 150,000. It is enough for daily expenses, so there is no need to increase the limit by swiping the card.

Many friends asked me: "Xiao Si, how many credit cards are suitable for us to apply for?" I thought about this question and it is actually quite interesting, because applying for credit cards is not only a matter of quantity, but also may involve some skills.

First of all, I don’t recommend that you apply for a bunch of cards. You really can’t handle it, and some cards may not be used at all. Moreover, these cards are kept in our pockets all year round, and you may have to pay management fees; or even if you use them, we use them sparingly. If you forget a certain credit card, it will affect your credit. Of course, it is possible for some friends to spend too much money if they have too many cards and a large limit.

So I think it is completely unnecessary to apply for many cards, so I guess many friends are like me and just have one card. In fact, one card is enough. If you don’t have a large amount of consumption, I think one card is enough. So what should I do if everyone says I want to separate the cards and I want to apply for a few more?

I suggest you apply for three cards. Of course, the functions of these three cards are different. For example, we can divide it like this:

The first card is the main card. Then this card can choose a bank with better service and a larger limit. With this card, we basically have some That's enough for big expenditures.

The second card can be set as an activity card. Many banks and many stores, such as supermarkets, movie theaters, etc., often organize activities.

In addition to the above, another very important thing is restaurants. For example, if you use a certain bank's card to eat, you can get a discount on which day, and when you go to watch a movie, you can buy a ticket for 10 or 20 yuan. With such a card, our daily consumption on these activities can basically be solved.

What is the third card used for? This brings us to the accounting issue that many friends are concerned about. Many friends want to keep accounts but find it troublesome, especially what kind of consumption they are facing? For example, today I bought a bottle of water, had a fast food, and bought some small items. This kind of account is very trivial. It may take 10 or 20 minutes to just remember these things every day. It's so troublesome!

Then you can use a third credit card to solve this problem. This card is specially used to pay for these small expenses, such as buying water, buying ice cream, and so on. Small card money and so on. Then at the end of the month, just pour out the bill on this card, and all the small accounting will be done.

Of course you will have large expenses. In fact, there are not many of them and it is easier to remember. So if you want to use separate cards, I suggest you separate the functions: one for large amounts and one for activities. One for those who pay a small amount to facilitate accounting is enough.

Of course, there are many skills when it comes to using credit cards, and I think many cardholders have also summarized them: which bank has better services, which bank has more activities, etc. We have also compiled a ranking of credit cards last year for you, which is summarized by some card friends. You can check it out by following my private message and replying to the ranking of credit cards.

Let me teach you how to maintain your card: 1. Don’t swipe all the cards, but leave 10-20. 2. Don’t always swipe in whole numbers. 3. Swipe your card between 8 a.m. and 11 p.m. every day. 4. Swipe in the morning and swipe in the afternoon, no more than 3 times a day, and the interval between swiping is more than 4 hours. 5. The number of credit card swipes per month is more than 25 times. 6. Make a small installment appropriately every 3 months. 7. It is best to follow this method to repay the balance in full the next day after the bill comes out. Most banks will be able to raise the balance quickly. . . Reminder: Add WeChat b2836724606 to receive a free withdrawal and maintenance card hand swipe.

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.

Tip 1: "Use your card to support your 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.

Tip 2: Try to swipe your card as many times as possible to increase the credit limit

Many people hope that their credit card limit will be larger, so that the credit card swiping authority they have during the consumption process will be corresponding. The land is bigger. For this reason, many cardholders have called the card issuing bank twice to increase the limit, but the bank often tells 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, but many people apply for a credit card not for consumption, but to use the credit card funds to do business. If you need to use the credit card funds to do business, you can use a hand swipe to swipe the credit card. After swiping, it will take seconds. Transfer it to your savings card, so you can use the credit card funds however you want. If you don’t have a hand swipe, add WeChat to get it for free.

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, 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.

Is it a good idea to apply for more credit cards?

Although you use a credit card, you can enjoy the longest interest-free period if you start spending 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.

What does it mean to maintain a credit card?

In professional terms, it is called card maintenance. If you use a better POS machine to swipe it out, you will get points, which will be good for your credibility. Frequently swiping your card will increase your credit card limit. Play the role of card maintenance. However, there are also the following precautions when swiping a card:

1. Try not to swipe in whole numbers, such as 1000 or 10,000 or 9999.

2. Try not to swipe the same credit card more than three times a day.

3. Try not to swipe the card the day after the repayment date. This is a taboo in using the card, otherwise it will be easily controlled by UnionPay

Why do you need to keep a credit card? Let’s stop the introduction here.