First, timeliness.
The best time to swipe a credit card (debit card) (9: 00-20: 00)
1. Not too early: Try not to swipe your credit card (debit card) before 9 am. According to common sense, most shops are not open yet.
2. Don't be too late: Don't swipe your credit card (debit card) after 10 at night. According to common sense, most shops are closed.
3. You can brush more on holidays or during the peak period of online shopping.
Second, the credit line.
Do not brush integers:
Don't brush integers such as 300 and 5000, but try to brush credit cards (debit cards) with decimal points, such as18897.8;
Numbers should not be close to integers: for example, 168 or 2300 can be used instead of 198 or 200 1. The amount of credit card (debit card) should not be repeated or regular.
2. Don't do it all at once: the maximum amount of credit card (debit card) swiped at one time shall not exceed 40% of the total amount in the card.
3. The credit card (debit card) shall not be less than 10 yuan. A few cards can be consumed in a large amount in a physical store, avoiding the suspicion of cashing out and raising more cards.
Third, the number of brushes.
1. One day: Do not swipe the same card more than 3 times.
2. The overall frequency of use should be high: get into the habit of swiping credit cards (debit cards) anytime and anywhere, buy cigarettes and drinks, and swipe credit cards (debit cards) wherever possible. The more you swipe at ordinary times, it means that the credit cards (debit cards) you swipe are rich in variety and good in flow, which is easy to increase the quota and not easy to be controlled by the wind.
3. A channel (third party) can be swiped up to three times a day (at intervals of morning, noon and evening).
Fourth, brush the rules
1. The credit card (debit card) quota should be in line with your usual consumption habits: if the credit card (debit card) quota is tens, a large number of tens of thousands of credit cards (debit cards) will suddenly appear, which is easily controlled by the wind, so credit cards (debit cards) should be swiped step by step, and don't jump from millions to millions at once.
2. Brush as much as possible: so that banks can make money, and sometimes they will turn a blind eye when they know that you are cashing out.
3. Shop switching: Try to choose a different shop every time you brush.
Verb (abbreviation for verb) income and expenditure account
1. Don't pay it all at once, but brush it all at once: especially if you go in on the repayment date and brush it all at once, this is a big taboo.
2. It's best to leave a limit of about 20% in the card.
3. You can pay back the money immediately, and it's better to pay back the money the next day.
Sixth, we should pay attention to
1. Loop back, loop brush. It is best to start repayment on the second day of the billing date. Don't put it off until the final repayment date. A card can be repaid in full only by leaving a limit of 2/ 10: swipe it out, return it in, and swipe it again the next day.
2. Be sure to cherish the credit information and never overdue it. If you can't pay back the money on the last repayment date, you can call the bank and usually give you a three-day extension. You should try to pay it off within these three days.
3. Occasionally do some staging: occasionally brush 1000 or more, and then do a staging, so that banks can make money and feel that you are a quality customer, and it is easy to increase the quota.