if you spend more than 25 credit cards every month, the better the amount, and only a few dollars are left after spending the limit three days before the bill date, be careful not to exceed the limit. Then call to apply for withdrawal, on the grounds that the amount is too small and requires a large amount of consumption. If the withdrawal is successful, immediately brush it up, then call to apply for withdrawal until the withdrawal cannot be applied for. Generally, the direct withdrawal is a fixed amount. If it is a temporary amount, pay attention, directly divide the temporary amount into three-month installments, and then pay it back to one month. Then cancel the installment and the temporary amount will become a fixed amount.
the second measure: credit card swiping method
deposit 5, yuan directly into the credit card, then swipe it out, then deposit it again and swipe it out, and apply for withdrawal after 2-3 times, saying that the amount is too small to be used as a debit card. If the withdrawal is successful, it will be converted into a fixed amount with reference to the first measure.
the third measure: withdrawal method for foreign currency repayment of credit card
A credit card is a dual-currency card. First, deposit $1 into the card, and then call customer service to apply for withdrawal. The reason is to go abroad and apply for an increase in the amount of US dollars, and at the same time, apply for an increase in the amount of RMB. The US dollars can be directly deposited into ICBC's online banking, click on the credit card and then click on the repayment, and the currency is-US dollars. Then, you can choose to purchase foreign exchange for repayment and enter $1. After mentioning the limit, brush out or exchange the US dollars.
the fourth measure: debit card foreign currency withdrawal method
Debit card and credit card are bound together (it is said that they are used for self-service repayment), and the telephone customer service can be bound, so that some foreign currencies (such as US dollars, Japanese yen, euros, etc.) can be exchanged in the online bank and stored in the ICBC savings card, and three kinds of purchases can be made for 5-7 working days. Call the ICBC customer service to apply for withdrawal. When she asks about the purpose, you can say that you will spend money abroad. After the promotion, you can change foreign currency into RMB and take it out.
Fifth measure: precious metal withdrawal method
Open ICBC online banking: debit card, credit card is bound to online banking with U shield, and then the debit card deposits about 2, precious metal transactions to buy paper gold, and every time you buy 3 grams, you can buy it 5 times a day, even for 3 days, and then call customer service to apply for increasing the fixed amount, on the grounds of large consumption or decoration materials.
the sixth measure: pledge withdrawal method
you must open a debit card with a wealth management gold card and deposit 5, yuan into the debit card. Online banking operation is changed from direct demand to one-year fixed term. Then, online loans are made at online banking, and pledge loans are selected in online loan projects, and 5, time deposits are used as pledges for loans, so that 45, loans can be finally obtained. Then, the loan of 45, yuan will continue to be converted into a fixed term, and then a pledge loan will be made, so that another loan of 4,5 yuan can be obtained. Continue to circulate, 4,5 yuan will be fixed, and the loan will be pledged, and 36,45 yuan will be obtained. Last time, 36,45 yuan was pledged regularly, and 32,8 yuan was obtained. After this operation, the assets in your wealth management gold card, or E-Times card and Peony card are frozen time deposits of 171,5 yuan and demand deposits of 32,8 yuan. Total assets: 5,+45,+4,5+36,45+32,8 = 24,755. After the above steps are completed, go to the branch where you open the debit card and fill out the withdrawal application form, and provide your wealth management gold card debit card, ID card and credit card. Generally, the withdrawal is successful within 5 working days. Immediately after the successful withdrawal, the online banking will release the pledged loan. The daily interest of pledge is: 4.86%*15475/365=2.6 yuan/day. If the cost is calculated in 5 days, it will be 13 yuan interest.
the seventh measure: the method of card withdrawal in different places
once you have the first credit card, you can directly change to another city and apply for a new card. You must have a single gold card with a quota of more than 5, to operate this trick. This is the most powerful move. ICBC can open 8 cards in different cities and brands, and the quotas are not enjoyed. Finally, all the quotas are combined with a platinum card. In the absence of any assets, the card with a maximum amount of 5, is done in this way, because the second card with a 5, card will not be lower than the original card.
Eighth measure: the system will automatically upgrade and adjust
Of course, ICBC's official credit card system will also apply for your credit card, but only if the upgrade conditions are met. If your credit situation is good and you use credit cards frequently, you can spend more. The most important thing is to repay in time. Then the system will help you upgrade automatically.