Tips for using credit cards: The world is sober, money is addictive

Nowadays, almost everyone has several credit cards, and credit cards have indeed brought us a lot of convenience. , but if you use your credit card incorrectly, it will be monitored by the bank. If you accidentally get a credit report, it will bring a lot of trouble to our lives. How to use credit cards correctly? Here I will teach you some tips on how to use credit cards. Please collect them now. 1. Repayment must be timely. This is the most critical point. Only when you repay in time will the bank recognize that you have strong repayment ability and good credit, and will continue to increase your credit limit ②. Try not to withdraw cash. The essence of a credit card is a consumption card, so not only interest is paid for cash withdrawals, but also cash withdrawal fees are charged. If you really want to withdraw cash, you can call customer service and apply for cash installment. 3. Consumption should be as diversified as possible. In daily life, no matter what you buy or the amount, you must develop the habit of swiping your card. Swiping your card can be for daily consumption, such as going to the mall to buy clothes, supermarkets to buy daily necessities, buying tickets for business trips, etc. 4. Never click on the Internet to apply for a credit card at will. As long as you click to apply for a credit card, your credit report will be checked once. If the card is not approved, the bank will determine your qualifications.

5. The amount of credit card swiping should be small combined with large purchases. If you only spend small amounts of money, the bank will not classify you as a high-quality customer. Only frequent large purchases can prove your consumption level. B. Don’t limit the amount to a large amount as soon as the bill comes out. The room will be monitored by the bank. 7. It is best for a single consumption not to exceed 50% of the total card amount. Whether it is real consumption or simply swiping the card, it is not good for a single consumption to be too high. B. Use numbers 1-2 for a single card. The interval between swiping the same card should be at least 3 hours. The interval between swiping different cards should be more than 5 minutes. 9. Never check the balance on the P05 machine before swiping your card, as this will cause you to use the bank one by one. 10. The number of drama cards that are not needed is 0.6.8.9. Do not swipe the card with the same last three digits, such as 5222 or 8000. , Forecasters, especially banks take the initiative to call and request installments. Try to let the bank earn some handling fees, which will be beneficial to subsequent withdrawals.

12. Try not to empty the card, leaving about 10%-20%. Most banks will send text message reminders when the balance is less than 20%. 13. Try to swipe your card between 9 a.m. and 10 p.m. Try not to swipe your card during the rest of the time, that is, swipe your card during normal business hours and comply with business rules. Never swipe a large amount in the morning, such as to have breakfast. A few thousand dollars is completely inconsistent with daily consumption habits. 14. If a card swipe fails, do not try to swipe the card with a low amount. Even if it succeeds, the risk is too high, so you must know the remaining balance of the card in real time. 15. When swiping your card, try to swipe it at a POS machine that has points. Not only can you earn points, but it will also be beneficial to future quota increases.