Many card friends handle too many credit cards, which makes it more difficult for them to manage, and they are often in a hurry when the repayment date comes. In fact, when you have multiple credit cards, you can try to use credit cards to raise credit cards. This will not only maximize the amount of each card, but also promote the increase of each other's amount between cards. Today, I will teach you a few skills of keeping credit cards with credit cards and teach you to play with them.
There are two main principles for raising a credit card with a credit card: first, let the bank feel that its funds are safe with you; Second, let the bank make money from you.
Combining these two principles, you can refer to the following skills:
1. In the first three months after card opening, accumulate credit and repay in full and on time. Let the bank feel that the funds are safe and feel at ease with you;
2. Pay back if you have money. The purpose of this is to increase efficiency and improve the utilization rate of funds. The greater the frequency of swiping and returning cards, the more banks like it, which not only ensures the safety of funds, but also makes money.
3, often brush a small amount, with points "le brush pos machine", let the bank make money. Raising a credit card with a credit card is a very important skill. The profit of pos machines is divided as follows: Issuer 7, Acquirer 2, UnionPay 1. Those with points are not capped, and those without points can't make money;
You can also withdraw cash twice a month to make the bank earn some interest. Or do it by stages every two months, and the number of stages should not be too long. Seize every opportunity to brush every day. No matter how big or small, you can pay the electricity, water and telephone bills by credit card. Don't underestimate these small credit card records, which are very useful for card-using activities.
The above are the skills shared by card friends to raise credit cards with credit cards. I believe that if you master these skills, you can enjoy the preferential rights of credit cards while maintaining your good credit information, and play the role of credit cards to the extreme, which is a "card god" from the beginning. Click on the credit card application channel to see which credit card is best for you.
How to use credit card correctly?
Proper card maintenance can increase the credit limit of our credit card. The following methods have passed the test of time and are considered to be the most effective by most senior cardholders.
1, swipe your card more.
2. Control the frequency and amount of credit card swiping.
3. Get the right credit card.
4. Handling installment payment or cash withdrawal business.
5. Seize the right opportunity to increase the amount.
6. Repay in time.
Skills of using credit card correctly
1. Pay attention to the combination of size and credit card limit.
Card friends who like to spend a lot of money need to pay attention. It is a good choice to brush a few small sums of money when you are free, which can not only prevent bank risk control but also increase the quota. Card friends who usually like to spend a lot of money in small amounts can sometimes spend a few large sums. Otherwise, they have been spending a small amount, and the bank will judge that the cardholder's consumption level is insufficient, so the quota naturally does not need to be increased.
2. You can't swipe an integer.
Maybe people don't pay much attention to the amount of credit cards when they swipe their cards. In fact, this will also affect the withdrawal amount. When swiping a card, the cardholder should try to avoid the same last three digits of the swiping amount, such as 1666, 1888, 1999, etc. And you can't brush the amount of1234,4567 like the landlord, which is not normal. The best credit card amount is 1845.
3. Do not brush merchants without points.
Most merchants without points have no cooperation with the issuing bank and can't make money, so users without points should not brush or brush less. Although the merchants without points vary from bank to bank, they can be roughly classified into three types of merchants: agriculture, rural areas, government, education, public welfare, transportation, convenience and refueling.
4. The card swiping time should be normal.
The cardholder's card swiping time should conform to the law, for example, it is best to swipe the card between 9 am and afternoon 10, and try not to swipe the card at other times. Of course, normal consumption can be ignored. If card friends with abnormal consumption have to brush, they should also brush the right types of merchants, such as bars, KTV, nightclubs and so on at night.
How to use a credit card
1. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
2. The way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used for international circulation. It has two functions: payment and credit. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers.
Extended data:
Credit cards can be issued in banks, micro-silver POS mobile phones, and transfer du/ remittance payments can be made.
1, within the issuing bank
The types of bai of this party include: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
2. Micro-silver POS mobile phone
Weizhong Bank POS mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer of credit cards. Arrive immediately!
3. Transfer/remittance repayment
Mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.
Credit card charging project card god teaches you to play credit cards.
Why can some people become card gods and others become card slaves? Why do some people borrow money to make money and save money when they pay back their credit cards? Do you know anything about credit cards? Do you know the credit card charge? Will you use the credit card correctly? Before the credit card is processed, I will help you check the credit card fee ~
1, how to avoid the annual fee?
Credit cards have an annual fee, ranging from 10 yuan to several thousand yuan. The more advanced the credit card, the higher the annual fee. However, many credit cards are generally exempt from the annual fee for the first year, so the annual fee for the second year will be exempted after several swipes. If it is not enough, how much annual fee will be charged? Every bank is different. It is recommended that you know the number of times of annual fee exemption before handling.
2. Interest and late fees
Credit cards will have an interest-free period, and different credit cards will have differences, up to 56 days. The minimum repayment amount is generally 65438+ 00% of the repayment amount. If you only pay this 10% on the repayment date, although it will not affect your personal credit history, you will not enjoy the interest-free period, and the interest will be calculated as usual. Most banks carry out the principle of full interest, and the expected annualized interest rate is five ten thousandths per day.
If the actual repayment amount of the consumer on the repayment date is lower than the minimum repayment amount, the bank will also charge a late fee of 5% for the part below the minimum repayment amount.
3. It is not cost-effective to withdraw the handling fee.
Credit cards are different from ordinary savings cards, which mainly encourage consumers to spend with cards instead of holding cash. So if you use it, the bank will charge a cash withdrawal fee, and the transfer will also be counted as cash withdrawal. The withdrawal amount is set according to the credit card amount, which generally does not exceed 50% of the credit limit. Bank withdrawal fees are not cheap, ranging from 2 yuan to as high as 100 yuan.
Therefore, I suggest that you don't withdraw cash unless you have to.
4. Installment fee
Most banks will pay in installments for repayments with consumption above 600 yuan. Some banks will implement different expected annualized interest rates for different maturities, and banks will introduce interest-free policies to attract consumers to repay in installments. Although it is interest-free, it is actually charged. The common stages are 3, 6, 12, etc.
5. Credit cards and cards.
Regarding how to increase the credit card limit, bankers said that in the first three months after the card is opened, it is necessary to accumulate credit and repay it in full on time. Then use every opportunity to swipe your card, regardless of size, such as paying electricity, water and telephone bills. Don't underestimate these small credit card records, which is very helpful for your card activity. Credit card amount, credit card frequency, consumption type, repayment record and credit card contribution value are all categories investigated in the bank computer system.
6. Exceeding the maximum consumption
General banks allow consumers to spend more than 10% in the current month. However, for the part that exceeds the credit limit, the bank will charge an over-limit fee. The specific amount is generally 5% of the part exceeding the credit limit, and it is charged per month 1 time.
7. Credit card offers
Banks will offer different preferential activities for credit cards. Such as credit card payment, shopping discount, free points, credit card cashback, etc. Individuals can hold 2-3 credit cards according to their actual situation, and try to stagger the billing date and repayment date to improve the liquidity of funds.
Tips: Whether you are a new customer or an old customer, in fact, credit card security is the most important, otherwise everything will be useless. You must pay more attention at ordinary times, and don't do things you don't understand with your credit card ~
Knowing these skills of using credit cards, you can also play credit cards.
How many credit cards do you have? Have you ever been bothered when using them? Have you ever enjoyed the benefits of a bank credit card while using it? Does the credit card help you enjoy the convenience of life during the use? Based on my 10 years experience in bank credit card marketing management, I tell you that mastering the following skills will definitely benefit you for life. If you don't believe me, look below.
First of all, you can modify the billing date of the credit card yourself. Different banks have several opportunities to modify the original billing date according to their payday and settlement date every year, just one customer service call.
2. If the last repayment date of the credit card is not more than three days later, it is not a breach of contract, and it is not interest. But remember, the arrears should be directly transferred to the credit card account. Generally, if automatic deduction is bundled, it will not be automatically deducted in the future, but will be transferred in real time across banks.
Third, bind automatic repayment in case of emergency. You can bind different bank cards. Even if you are used to WeChat, Alipay repayment or inter-bank transfer, please remember to bind automatic repayment, and deposit the repayment amount for about one to three months if possible, or deposit the repayment amount into the automatic debit bank card 1 0-3 days in advance. Because too many friends are late or forget to repay because of business trips and other accidents, and you will know that some banks deduct money on the second day of the last repayment date, and some deduct money on the morning of the repayment date.
Fourth, it is best to hold 2-3 credit cards from different banks, generally no more than 5. The credit card limit of the same bank is generally shared. If there are a large number of credit cards, please choose 2-3, and the rest are best to call the official customer service number to return the cards. No matter how careful you are, too many credit cards are too troublesome and unnecessary. Experienced people don't have to give more reasons.
Practical Cheats of Card God-Teach you to play credit card (debit card) (card identification) from scratch.
Card recognition article
Chapter 1 Appearance and Function of Credit Card (Debit Card) At present, many banks only pay attention to issuing cards, but ignore card education, and even hardly publicize credit card (Debit Card) knowledge. The serious lack of knowledge of credit cards (debit cards) is an important reason why some cardholders become "Kanu". Understanding credit cards (debit cards) is the only way to become a "card god". Understand the whole picture of credit card (debit card) If you want to become a "card god", users should calm down and understand the relevant knowledge of credit card (debit card), find out what credit card (debit card) is and how banks can make money from cardholders.
Many people have credit cards (debit cards) A credit card (debit card) is not a savings card. In addition to credit cards (debit cards), there is a lot of very important information on the card surface, which is used in many card-free payments, so it is very important for cardholders. But how much do you know about the information on the credit card (debit card)?
Credit cards (debit cards) are mostly made of special materials, with different shapes, exquisite production and easy to carry. It is non-monetary, but it can be widely used in payment, consumer credit, settlement and other fields through computer network system, so credit card (debit card) is also called "electronic money".
On the front of the credit card (debit card), the name and logo of the issuing bank, the organization logo (international organization logo) of the credit card (debit card), the English or pinyin name, the opening date (one is calculated to the month) and the effective date (generally calculated to the month) are displayed; The magnetic stripe of the card is displayed on the back. Cardholder's signature column (signature is required after activation), domestic and overseas service hotlines, the last 4 digits or all (to prevent fraudulent use), and credit card (debit card) security code (on the signature column on the back of credit card (debit card), the last 4 digits and the last 3 digits). Used for TV and telephone network transactions. ).
00 1 Most people will have a credit card (debit card) in their wallets that says "I'm happy this month, no matter I cry next month", and each card will have a string of 16 numbers. This string of numbers is unique, and the bank "only recognizes numbers but not faces". Of course, this string of numbers will not be randomly allocated to cardholders, they have their own rules.
Credit cards (debit cards) all have 16 digits arranged on their one-to-one corresponding cards (American Express 15 digits, Diners 14 digits), which are authentication barcodes for collection or payment.
Credit card (debit card) BIN At present, the international standard of credit card (debit card) is 16 digits, and the first 6 digits are the BIN of credit card (debit card), which is allocated by the international card organization. The credit card (debit card) BIN refers to the identification code of the issuing bank, which is called Banking BankdinifiationNumber in English, and is referred to as BIN for short, and is used to indicate the issuing bank or institution. BIN number of (1)9 prefix. According to the ISO/IEC78 12 document of the International Organization for Standardization, the 9-prefix BIN number is assigned by domestic standards organizations and is not suitable for global use. (2)6- prefix BIN number. At the end of 2002 10, China unionpay applied for 800 international and domestic 6-prefix BIN numbers on behalf of card issuers. UnionPay standard card is a bank card issued in accordance with the business and technical standards of China UnionPay. The card face has a unique "UnionPay" logo, which is assigned by China UnionPay and confirms the issuer's identification code (BIN). At present, the BIN of UnionPay standard cards issued by China UnionPay member institutions is "62", and the assigned BIN specification is: 622 126-622925.
Experts remind:
Some member institutions use bank cards independently applied to the International Organization for Standardization (ISO), and the card face has a unique "UnionPay" logo. After testing, it meets the business and technical standards of China UnionPay. After signing an agreement with China UnionPay, it is also included in the management of UnionPay standard cards.
(3) The prefix "BIN" starts with Japanese JCB and AmericanExpress. JCB (Japanese for JapanCreditBureau, Chinese for Japanese Gizmeika, namely Japanese Financial Card) is a credit card (debit card) established by Mitsui Bank, Sheikh Bank and Daiwa Bank in Japan at 196 1. American Express (American Express)
Universal Picture is the world's largest travel service, integrated finance, financial investment and information processing company, which is in a leading position in credit cards (debit cards), traveler's checks, travel, financial planning and international banking. It is the only service company among the 30 companies in the Dow Jones Industrial Index that reflects the US economy.
(4) BIN number with prefix 4, the first one is VISA card, which is also translated into VISA and VISA. Is a credit card (debit card) brand, operated and managed by Visa International in San Francisco, California, USA. VISA is a global payment technology company, connecting consumers, enterprises, financial institutions and governments in more than 200 countries and regions around the world, and promoting people to use digital currency more conveniently instead of cash or checks.
Expert reminder
VISA's innovations provide cardholders with more payment options, including immediate debit cards, prepaid cards or credit cards (debit cards) paid later. In addition, VISA can also provide customized solutions in different markets to meet the special requirements of enterprises and government agencies of all sizes.
(5)5- prefix BIN number. 5 The beginning is the international brand MasterCard, which is an internationally accepted credit card (debit card) system, founded by mastercard international in the late 1950s and early 1960s. MasterCard International is a non-profit association, including financial institutions all over the world. Its members include commercial banks, savings and loan associations and credit cooperatives.
Expert reminder
At present, there are six major credit card (debit card) brands in the world, namely VisAInternationaL and MasterCardlnternational. American Express, China UnionPay, DinersClub and JCB Japan International Credit Card Company.
2. Regional information
The 7th-15th place of credit card (debit card) is allocated by the bank according to its own needs. Here, take the VISA card of China Construction Bank as an example to introduce the significance.
(1) Digits 7-9: 0 10-034 is the regional credit card (debit card) issuing interval number specified by the Head Office, and those beyond this interval are off-site cards.
(2) Bits 10: 0-8 indicate personal cards, and 9 indicates company cards.
(3) Bit11-13: it is the card issuing sequence number.
(4) Bit 14: 0 is the primary card, and 1-9 represents the secondary card.
(5) 15: indicates the number of credit cards (debit cards),
3. Check bit
Credit card (debit card) numbers often need to be entered, scanned, transmitted and retrieved. These processes are likely to make mistakes, so the last one is used as proofreading (checking numbers).
Ordinary 16 digit digital credit card (debit card) number, with the first 15 digits determined by the issuing bank. The last bit is calculated by an algorithm through the first 15 bits. This algorithm was invented by HansPeterluhn, an engineer from IBM in 1954. At that time, it applied for a patent, and now it has been made public, entered the field of public knowledge, and became the standard of international standards organization: ISO/IEC 7811.
Expert reminder
Obviously, only one number can't detect all errors (the hit probability is110), but the Luhn algorithm is very intelligent, and it can detect any error (enter a wrong number). Beaga, switch 9 and 6 of the above one, and it will be detected. These are all mistakes that people often make when they are ashamed, so proofreading plays a great role.
Therefore, it is best for cardholders to write down their commonly used credit cards (debit cards) and keep them with them in case of emergency. If you know, the process of reporting the loss will be much simpler. For example, through the first-level menu of the telephone service hotline, you can directly enter the bank that reported the loss, and you can report the loss yourself without listening to Changle and waiting for manual customer service.
002 bank logo
1959, Bank of America issued the first bank credit card (debit card). 1965, American commercial banks that developed credit cards (debit cards) began to expand their national business. 1966, they authorized their trademarks to other banks and issued a bank card with blue, white and gold bars. At this point, the bank logo of credit card (debit card) was born.
Expert reminder
China Bank Head Office 1986 officially adopted the banking standards of Bank of China. On the whole, the Logo of China Bank represents the bank in the shape of ancient money, and the word "Zhong" represents China. The outer circle indicates that China Bank is an international bank facing the world.
This is the end of the introduction on how to play credit cards and how to play credit cards well. I wonder if you found the information you need from it?