If you empty your credit card at once, it is easy to wander on the edge of overdue in case it is not paid by the billing date.
At this time, if you leave a 20% limit in the card, it means that you leave a little turnover time and money, so as not to break your word after the deadline.
In addition, in fact, leaving 20% of the credit card has these three benefits!
1, which is beneficial to increase.
Don't swipe your credit card every month, leave a certain credit limit. In fact, after all, this is a hint to the bank that you are not that short of money.
Leaving a 20% quota will make the bank feel that you have a certain consumer demand, and the bank will also judge that your financial situation is good.
Moreover, the debt situation reflected in the credit report is also relatively good, which is very helpful for your credit card withdrawal.
2. Avoid bank risk control.
If you come and go frequently, clearing your credit card at one time will not only tell the bank that your financial situation is not good, but also lead the bank to focus on controlling you.
Because if your credit card is always in a blank state, then the bank has reason to suspect that you are cashing it with your credit card. In this way, even if you don't cash out, you will face the risk of reducing the quota or even sealing the card.
3. Conducive to the accumulation of credit.
Credit cards must be used frequently, with a monthly credit limit of 70-80%, and then a credit limit of 20% is left inside, which is conducive to raising cards and accumulating credit.
If your card is often not used or not used at all, it is not only bad for credit accumulation, but also bad for cash withdrawal. Therefore, cards should be used, but not too much. Just leave some "surplus grain".
However, some friends want to ask. Many times, swiping a card is beyond our control. In case one of them can't resist swiping the card, can we deposit 20% into the credit card within the billing date?
Tut tut ...
In fact, instead of putting money in a credit card, it is better to repay it directly on the billing date. After all, credit cards are used for consumption, not for saving money.
Repay immediately after the account number is issued, which is also the best performance to prove that your repayment ability is good. We should know that overdue, whether slight or serious, is a scoring standard for not having good repayment ability.
In addition, if you are forced to continue to swipe your card after repayment, it is best to brush it the next day or two days, and it is most taboo to brush it on the same day. This is easy to be controlled by the wind!
So if you have a credit card, you should use it often, but you should also use it carefully. Leaving a 20% limit in your card is good for us, the bank and the credit card. Why not?