General equation for card maintenance: 25 3 1 rule

25 small transactions (single consumption of 100 to 500 yuan)

For intensive card maintenance, each The monthly consumption is more than 20 transactions, and if it is a general maintenance, it is more than 10 transactions

3 transactions (a single transaction does not exceed 30 of the quota) medium amount

1 transaction (a single transaction does not exceed the quota) 60) Large amounts

Just swipe your credit card (debit card) in this way every month! Remember, when using a credit card (debit card), no matter how large the limit is, a single purchase should not exceed 60 of the card limit, otherwise it will be considered by the bank as cash withdrawal.

1. Card selection

When selecting cards, commercial banks are given priority, followed by state-owned banks; banks with high added value are given priority, and banks with no characteristics are discarded. It also depends on which bank your funds are transferred to, which is also a data to weigh.

In addition, it is best for everyone to briefly understand the rules of the 14 lines, what are the highlights and disadvantages of each bank, not to mention in detail, at least to have a general idea.

The four major banks: You can choose ICBC and China Construction Bank. ICBC has unique star value, pledge, fixed deposit and other features. If you work hard in these areas, the effect is still very good. As for the Agricultural Bank of China and the Bank of China, you can choose to give up. The Agricultural Bank of China is a gathering place for 500 parties. Generally, it can only be withdrawn temporarily. The Bank of China will not say more. It is difficult to increase the typical limit. It can only be withdrawn once a year. Can it be withdrawn and repaid? I can't tell you, but if you have good cash flow in these two banks or are in a payroll bank, this is a different matter.

Commercial banks: China Merchants, Shanghai Pudong Development Bank, Communications, CITIC, Ping An, Guangfa, etc. There is no need to talk about investment promotion. Everyone knows the useful places. Pudong Development Bank mainly uses its universal gold. As long as transportation and CITIC, although the risk control is strict, the added value is high, transportation is easy to enjoy loans, CITIC New Express/Dream Realm Gold , it is relatively fast to raise, and there is a systematic way to raise it. Ping An can also increase the limit quickly, but the key point is that Ping An has many loans. Apply for a card and use it as you like. What about i loan, oxygen loan, money Too many

2. Principles of raising cards

1. Number of cards to raise

Mainly raise three cards, support one card, and in one cycle, you You can raise up to five cards of your own. People's energy is limited. You have to use good steel on the blade, gather a little, and focus on breakthroughs. You have to know that you can't raise all the cards. You can only choose the ones that are easy to raise. , go to those who have a lot of room to increase their quota. For primary care cards, there should be more than 25 transactions per month, and for auxiliary care, more than 15 transactions per month.

2. Card maintenance cycle

The card maintenance cycle is generally three months. There should be no interruption during these three months. It is best to do it all at once.

3. Room for increasing the limit

It is best to choose a card or bank that has a large room for increasing the limit and can increase the limit quickly. The full limit of a regular card is 50,000, and your card is 10,000. Card, the room for increasing the limit is only 40,000, and if you choose to raise a card with more than 30,000, the room for increasing the limit is only about 20,000, and it is relatively difficult to raise. Therefore, card selection is very important. There is a saying that if you choose incorrectly, your efforts will be in vain.

3. Control the number and amount of credit card swipes

Credit cards (credit cards) must be swiped more often to quickly increase the limit. Banks issue credit cards (debit cards) in order to obtain income. Credit card (debit card) handling fees are an important income of credit card (debit card) business. As long as the cardholder swipes credit cards (debit cards) at merchants for consumption It can create revenue for the bank. Therefore, cardholders who swipe their credit cards (credit cards) frequently and have a high proportion of credit card swipes in a single month are more popular with banks.

First of all, let’s take a look at the four elements of increasing the limit of card maintenance:

1. The time of swiping credit cards (debit cards) into life 2. The number of swipes of credit cards (debit cards) per month More than 25 transactions (pay off on time) 3. Across more than 10 industries (no capping machines) 4. Use credit cards (debit cards) with multiple rates (allowing the bank to make money)

Generally speaking , the number of monthly purchases on a card must be more than 20, and the amount of credit card purchases in a single month must exceed 60% of the total credit limit. Applications for increasing the credit limit will be easily approved. If the cardholder himself does not have so many consumption needs, he can try to help others swipe credit cards (debit cards) to make purchases to increase the number and amount of credit card swipes.

Time for swiping credit cards (credit cards):

Swipe credit cards (credit cards) according to four time periods: morning, noon, afternoon and evening. Morning: 8 a.m. to 10 a.m. Noon: 11 a.m. to 3 p.m. Afternoon: 4 a.m. to 7 p.m. Evening: 7 a.m. to 10 a.m.

Credit card (debit card) amount:

Do not use round numbers: such as 10000, 50000, 100050, 200040, 9990, 9995, 19999. 50, 10200, 20400, 10500 and 50500 are all suspected of cash withdrawal. Try to bring a small change every time you swipe your credit card (credit card), such as 1893, 751, 1364, etc., and do not swipe the credit card (debit card) amount repeatedly or regularly.

The amount of credit card swiping should be in line with your usual spending habits. If the amount of credit card swiping is usually tens of dollars, suddenly there will be a large number of credit card swiping amounts of tens of thousands. ), it is easy to be controlled by risks, so use credit cards (credit cards) step by step, and do not jump from a few hundred to tens of thousands all at once.

4. Choose the appropriate merchant to swipe credit card (credit card)

Not all merchants swipe credit card (debit card) transactions can generate income for banks. Some merchants do not charge credit card (debit card) processing fees, so the corresponding banks usually do not accumulate credit card (credit card) points for such merchants' credit card (debit card) transactions. Credit card) transactions do not significantly help cardholders apply for limit increases. It is recommended that you make more transactions with credit cards (debit cards) at merchants that have points. In addition, different types of merchants should be swiped as much as possible. For example, after swiping several catering transactions, you can swipe merchants in shopping malls and supermarkets to maintain transaction diversity.

Contents of credit card swiping: Morning: Mainly to buy breakfast, mainly at supermarkets, convenience stores, bakeries, and non-staple food stores. The amount is between 10 yuan and 100 yuan. Noon: Lunch, main shopping: restaurants or restaurants, convenience stores, bakeries, etc. 100 yuan to 2,000 yuan. Afternoon: dinner, main shopping: hotels or restaurants, Western restaurants, etc. 100 yuan to 2,000 yuan. Evening: shopping, daily entertainment, main shopping: department stores, supermarkets, Fitness, bar, beauty salon, bowling, KTV, cinema, etc. 100 yuan to 5,000 yuan

Arrangements for Saturday and Sunday:

Don’t brush in the morning, everyone knows these two I sleep in in the morning, visit supermarkets and convenience stores at noon, and buy and cook food at noon on weekends. After lunch, you can visit dry cleaners, car washes, and other businesses. By making up for sleep on weekends, you can do some things that you can't deal with at work. This is roughly the plan. Depending on the specific situation, you can flexibly arrange some merchants. The principle is that it must comply with normal consumption logic.

Finally, Daxing reminds everyone to keep in mind the above 25 3 1 method of increasing the credit limit, as well as the correct method of raising the credit card limit. It is definitely not difficult to quickly increase the credit card (debit card) limit. The most important thing is What matters is whether you can stick to these details and these methods. Okay, today I will share a part of it first. When I have time, I will look for materials and summarize them before sharing them.