The so-called "2583 principle" is actually a daily use rule summed up by credit card holders, and it is an inertia rule summed up in order to prevent the danger and risk control of using cards and strive to increase the quota as soon as possible.

Special meaning of principle 2583

In fact, "2" refers to the amount that a single consumption does not exceed 20% of the credit card limit.

Cardholders spend a lot continuously, and banks are easily implicated, which increases the supervision of credit cards.

In fact, "5" means that the daily consumption amount does not exceed 50% of the credit card limit.

This is the same reason. If the user spends more than 50% on daily consumption, the bank is likely to suspect that the user is cashing out his credit card. The banking industry will use credit cards for risk control, which will affect the normal consumption of cardholders.

In fact, "8" means that the monthly consumption amount does not exceed 80% of the fixed credit card amount.

When users spend a lot of credit lines, banks will think that they need financial support in a short time, but they will also think that they don't have enough repayment ability, especially in a short time, and their repayment ability and assets can't meet the expectations of banks.

In this case, banks can also reduce the amount of cardholders and control their own risks.

In fact, "3" means that the monthly consumption amount cannot be less than 30% of the fixed credit card amount.

If the amount of credit card swiped by users is too low, or if they don't swipe their cards for a long time, the losses caused to banks are very small, and banks can't make a profit, thinking that you don't really need so much credit.

This will not only affect your success rate in applying for a loan, but also be greatly reduced by the bank for several months.