A credit card revolving repayment technique, almost everyone has a credit card, which can be overdrawn and the credit card limit can be recycled. As long as there is repayment, the available credit card limit will be restored in real time. The following is a credit card revolving repayment skill.
A credit card revolving repayment skill 1 There are many revolving repayment skills for a credit card, so you can choose your favorite!
1. You can use the first card to withdraw cash and return the second credit card, and then use the second card to withdraw cash and return the first credit card. If the cash withdrawal amount of the two cards is too different, it cannot be completed at one time, and it needs to be reversed several times. Of course, it should be noted that the repayment must be between the billing date and the final repayment date of each card.
2, if there is no money to repay, you can also use the method of four or two thousand, for example, use two thousand to pay back the arrears of four thousand, pay back two thousand first, and save it immediately after taking it out the next day, which is equivalent to paying back four thousand, but the expenses should also be paid back.
Regarding the handling fee, it depends on which bank the user's credit card belongs to. The handling fee of 1% is basically charged, and the minimum for a single transaction is about 10 yuan. Bank interest is mostly calculated from the next day. Because the credit card does not allow direct transfer to another credit card for repayment, it can only be repaid in this way.
We should remind all users who use credit cards that they must not be overdue in the process of using credit cards, but this phenomenon will inevitably occur. Some people didn't mean it, but they may have forgotten it. In this case, it is recommended to set up automatic repayment, and then repay after maturity, without worrying about any overdue problems.
A credit card revolving repayment skill 2 Skill 1: The repayment amount and the credit card amount cannot be similar or the same.
When many people reverse their cards, they always have to wait until the final repayment date. Then at this time, time is tight. If you don't pay off the credit card bill in time, it is very likely that high interest will be generated because of the minimum repayment amount, and there is even the risk of overdue. Therefore, when the final repayment date is approaching, many card friends will pay back a sum, brush a sum, pay back a sum, and brush another sum.
Then this repayment method is the most vulnerable to bank risk control. This way of operation, it is easy for banks to mistakenly think that you are "fixed (present)". After a long time, it will cause risk control. When you reverse the card again, you will find that although the money has entered, it cannot be swiped out. As soon as you check, you will know that the original credit card has been downgraded.
Therefore, in the process of card withdrawal, the repayment amount and the credit card amount cannot be similar or the same.
Tip 2: Every time you swipe your card, it is best to have an interval of more than 2 hours.
As we all know, after credit card reverse repayment, it is necessary to draw more funds. The skill of raising cards is called a small number of moves, but because it is upside down, it is naturally not small. But pay attention to the time interval of swiping the card. If the time of swiping the card twice is very close, it will also cause the risk control of the bank.
Especially when credit card merchants appear in other places. For example, your first credit card merchant address is in city A, and a few minutes later, the credit card merchant address is in city B, and the two cities are hundreds of kilometers apart. Then how do you explain that the bank can believe it? Therefore, every time you swipe your card, it is best to have an interval of more than two hours.
Tip 3: swipe your card on the same day and repay it the next day.
For example, the bill amount is 20000, and the available amount 1000. On that day, I divided it into four strokes and drew 10000. If 1 10,000 is returned to the bank on the same day, it is likely to cause bank risk control. At the same time, because your savings card funds are fast-forward and fast-out, it is very likely that the bank will restrict "over-the-counter transactions". Therefore, whether it is a credit card or a savings card, it is best to swipe the card on the same day and repay it the next day.
Credit card revolving repayment skills 3
If you have a credit card with a limit of 50,000, you can only spend 25,000 if you want to repay it in a revolving way. If you exceed the limit of 25,000, you just need to take money to make up for your consumption!
Just swipe the remaining 25,000 after the billing date, and then return the credit card. The 25,000 just brushed out will not be returned until next month!
There are also several ways to brush out 25,000 yuan. You can choose the card swiping method that suits you!
1, friends and family
If you have relatives and friends who need to spend money, you can let them use your credit card. Then they give you cash so that they can brush out the rest of the money. Then pay back the credit card!
There are some risks in doing so. When you give your credit card to a friend, you must choose a friend you trust!
2. Setting (now)
Needless to say, you can withdraw money directly from your credit card. It is only important to note that there is a certain handling fee for the set (now).
You need to pay a handling fee for each cycle. Remember to pay the handling fee yourself, and don't spend it from the credit card limit, otherwise you may make ends meet!
Step 3 withdraw cash with a credit card
Credit cards all have the function of withdrawing cash. You just need to withdraw the money from your credit card.
But the interest on cash withdrawal by credit card is five ten thousandths per day. If you operate interest like this next month, it will be rolling interest. One-year interest needs 18.25%. It is not recommended to withdraw cash for repayment!
A credit card cycle still has some limitations. For example, you can only use half the amount, and it is more troublesome to find a friend to swipe your card every time, and the withdrawal fee is too high.
Whether it is a credit card or multiple credit cards, as long as you master the method, you can recycle it to solve your own financial pressure, but the funds should also be planned and used reasonably!
Second, how to calculate the credit card repayment date?
The billing date is the date when all credit card consumption in the current period finally generates a bill, and the repayment date is the date when you must repay your credit card in the current period. The general repayment date is about 25 days after the bill date.
Take Bank of Communications as an example. For example, if the billing date of the Bank of Communications credit card is the 4th of each month and the repayment date is the 30th of each month, then the credit card consumption on the 5th of each month will get the longest interest-free period (about 55 days), while the consumption on the 4th of each month will get the shortest interest-free period (about 25 days).
All consumption after the fourth day must be repaid before the 30th of next month, otherwise overdraft interest will be generated. If the minimum repayment amount is not paid, that is, 10% of the current bill amount, there will be a late payment fee. Of course, full repayment will not charge any interest, that is, it is completely interest-free; However, if it is not in full, the overdraft interest of the credit card will be very high, and five ten thousandths of interest will be charged every day.
Credit card billing date can be adjusted by the cardholder contacting the bank. If you are not satisfied with the date, you can change it by phone or by logging in to official website.
3. What should I do if I receive a lawyer's letter on credit card arrears?
1. If a bank brings a civil lawsuit to the court, the court shall decide whether to accept it within 7 days from the date of receiving the litigation materials.
2. If you owe RMB 10000 yuan, you still don't pay it back for more than 3 months after two bank collections, which constitutes the crime of credit card fraud and should bear criminal responsibility. After the public security organ files a case for investigation, it usually takes about four months for the procuratorate to file a public prosecution with the court.
3. Article 6 of the Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management stipulates that if a cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than three months after being repeatedly urged by the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.
In any of the following circumstances, it shall be deemed as "for the purpose of illegal possession" as stipulated in the second paragraph of Article 196th of the Criminal Law:
(1) Knowing that there are many overdrafts, it is impossible to return them.
(two) after the overdraft, it can not be returned.
(3) Escape after overdraft, change contact information and avoid bank collection.