Credit cards follow repayment skills. In real life, many friends will apply for more credit cards. Borrowing money by credit card is also our usual way. So let's share the skills of credit card repayment.

Credit card revolving repayment skill 1 Skill 1: The repayment amount and the credit card amount cannot be similar or the same.

When many people reverse their cards, they always have to wait until the final repayment date. Then at this time, time is tight. If you don't pay off the credit card bill in time, it is very likely that high interest will be generated because of the minimum repayment amount, and there is even the risk of overdue.

Therefore, when the final repayment date is approaching, many card friends will pay back a sum, brush a sum, pay back a sum, and brush another sum. Then this repayment method is the most vulnerable to bank risk control. This way of operation, it is easy for banks to mistake you for a "set".

After a long time, it will cause risk control. When you reverse the card again, you will find that although the money has entered, it cannot be swiped out. As soon as you check, you will know that the original credit card has been downgraded. Therefore, in the process of card withdrawal, the repayment amount and the credit card amount cannot be similar or the same.

? Tip 2: Every time you swipe your card, it is best to have an interval of more than 2 hours.

As we all know, after credit card reverse repayment, it is necessary to draw more funds. The skill of raising cards is called a small number of moves, but because it is upside down, it is naturally not small. But pay attention to the time interval of swiping the card.

If the time of swiping the card twice is very close, it will also cause the risk control of the bank. Especially when credit card merchants appear in other places. For example, your first credit card merchant address is in city A, and a few minutes later, the credit card merchant address is in city B, and the two cities are hundreds of kilometers apart. Then how do you explain that the bank can believe it? Therefore, every time you swipe your card, it is best to have an interval of more than two hours.

? Tip 3: swipe your card on the same day and repay it the next day.

For example, the bill amount is 20000, and the available amount 1000. On that day, I divided it into four strokes and drew 10000. If 1 10,000 is returned to the bank on the same day, it is likely to cause bank risk control. At the same time, because your savings card funds are fast-forward and fast-out, it is very likely that the bank will restrict "over-the-counter transactions". Therefore, whether it is a credit card or a savings card, it is best to swipe the card on the same day and repay it the next day.

In addition to the above skills, you also need to avoid large amounts of credit cards, fast-forward and fast-out. At the same time, we also need to pay attention to whether the merchants of credit cards are preferential merchants. The consumption of each credit card, whether there is a record of points, etc.

Credit card revolving repayment skills 2 Credit card revolving repayment skills are relatively simple. You can use 1 card to withdraw cash, then use it to return the second card, continue to withdraw cash with the second card, and then return it to 1 credit card. This method has more advantages. If there is a big difference in the amount of cash that can be withdrawn from these two cards, you can choose to pay more and get more. Then there are some preconditions, that is, the repayment date and billing date of the two cards need to be staggered, so that you can have enough time to operate.

? 1, credit card recycling method

For example, a bill owes about 4000 yuan, if the credit card has no money to pay it back. You can use 2000 yuan to pay back 4000 yuan of the credit card, pay it back for two days first, and deposit it immediately after taking it out the next day, which is equivalent to completing two repayments. However, in this process, it is not that there is no need for any fees, but the corresponding withdrawal fees should be paid.

? 2. Is there any charge for credit card revolving repayment?

In the process of credit card revolving repayment, if cash withdrawal is involved, there will be fees, mainly procedures. As for the procedure, it depends on what credit card you are. Generally, it is around 1%, and the minimum charge for a single transaction is around 10 yuan.

The interest of some banks may be calculated from the next day, such as 5/ 10000. If it is 2000 yuan, the daily interest is basically one yuan. Because credit cards are not allowed to repay another credit card by direct transfer at all, this method is the only choice.

? 3. What is the smart way of credit card revolving repayment?

In fact, you can choose the smart repayment method, which is the latest repayment method. As long as you leave 5%~ 10% of the funds in the credit card, you can effectively realize immediate full repayment, and one-click setting is relatively simple and convenient. In addition, it is necessary to effectively set some repayment time according to the repayment amount. In addition, you can also automatically manage the number of repayments or the repayment amount.

Credit card revolving repayment skill 3? I. Multi-card revolving credit card repayment

For example, Zhang San has two credit cards, both of which have a limit of 5000 yuan. This month, I have almost swiped the first card, but I haven't swiped the second card yet. So when the first card needs to be repaid, Zhang San only needs to take out the money from the second card and return it to the first card, so that the bill of the first card will be paid off, but the bill of the second card has not expired. Card two's bill is due, and the card will repay it again later, so that you can repay it repeatedly without worrying about lack of money.

Pay attention to this method when paying back the money. It is best not to withdraw money directly from ATM, which will generate high interest. When withdrawing cash, it is best to use pos machines. Some businesses can be asked to pay some handling fees to withdraw money. Generally speaking, this handling fee of 10 thousand will cost about 40-70 yuan, but it is also less than direct ATM withdrawal.

? Second, single card revolving credit card repayment

In this way, we don't need two credit cards, but only one card for repayment. We also use Zhang San's example to analyze the operation process.

Zhang San has a credit card with a line of 1 10,000 yuan. He has spent 5000 yuan, and it has not been paid by the repayment date. Then Zhang San takes out the remaining 5,000 yuan before the repayment date, so that the 5,000 yuan taken out will not be paid back until next month, and Zhang San will pay it back the next day, so that this month's bill will be paid off.

Doing so can prevent us from overdue repayment, maintain good credit information, and repay in full every month without any handling fee. The most important thing is that we don't need to repay when we have no money, which can relieve our pressure to the greatest extent. However, when using this method, we must be cautious. First, don't explode the card, and you can't repay it with a single card cycle. Second, don't use it frequently, only occasionally when your capital turnover is difficult, so as not to be discovered by the bank's risk control department.

Finally, I remind you that even if we use the above two methods to pay back the credit card, you will have to pay back the principal sooner or later. Don't take any chances, it is harmless occasionally, and frequent use is likely to be controlled by the wind. Remember this.

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