How to earn points with credit card points

When banking activities, swipe your card, such as "double points", "points giving away" and "credit card lottery", so as to double the points. For example, if there is a bank credit card in the cardholder's birthday month, you can enjoy 4 times bonus points by swiping the card.

Choose points for cards skillfully

1. Choose a credit card with permanent and valid points

If a bank credit card can't provide low-value and high-value product exchange or long-term and effective points, it can't achieve real value and return for consumers.

2. Choose a credit card with a goal

Banks have different types of credit cards, and users can choose the card that suits them. For example, if consumers want to earn some oil money, they can choose the CCB Longka car card, and their points can be used to refuel at gas stations; A number of banks have bought some airline co-branded cards. The consumption points of such credit cards can be exchanged for ordinary goods and mileage of corresponding airlines. For frequent business travelers, you can choose such cards. Note which type you need more, and then combine the points rules of this card to spend, so as to make more effective use of the points.

It's more cost-effective to use points online

Consumers will generate corresponding points (usually 1 point in 1 yuan) after spending by credit card. When the points accumulate to a certain extent, they can exchange the corresponding gifts on the designated website, which is the most traditional point exchange method. With more and more credit card points playing methods, cash-in, changing Starbucks, changing insurance, changing annual fees, doing public welfare, etc., are constantly injecting fresh playing methods for cardholders. For example, 15, points of Bank of China can be exchanged for a Starbucks hand-made drink, and one can be exchanged for one free on weekends, which makes many cardholders earn small benefits by virtue of points.

What can a credit card do

Credit cards can be used in various consumer fields, such as shopping and eating in shopping malls, wherever you can swipe your card, and can also be tied to third-party payment, such as Alipay and WeChat. Moreover, credit card consumption enjoys an interest-free period, as long as it is repaid in full and on time according to the amount of the bill on the due repayment date, it enjoys an interest-free period.

what is a card? What should I pay attention to when raising a card with a card?

it's no stranger to card friends to raise cards with cards, and it can also be said that it's a bad word in most people's eyes. Is this really the case? You can say for sure that it is not.

first, what are the requirements for raising a card with a card?

first of all, it is simply defined as: multiple credit cards (debit cards) repay each other and turn around.

prerequisites:

1. Multiple credit cards (debit cards);

2. There must be a certain balance (reserve fund) in the card, and the cost should be supplemented every month to ensure that the reserve fund is fixed and can only be increased but not decreased;

3. I have my own pos and know how to choose and configure the machine;

4, know how to raise cards safely;

5, understand the capital allocation and turnover;

6, will calculate the credit card (debit card) accounts.

then what can it do?

1.

There are only two types of credit cards: one is based on the repayment date of the billing date, and the maximum interest-free period is about 5 days; Second, to raise the card type by card, that is, to take out a part of the total amount, the standard is that the available amount must be more than 1%, the more the better, and it is best to have more than 3% of the available balance at first.

the second one is what we said, which can increase the use time. If your business exceeds the interest-free period of credit card (debit card), you can turn around by this method.

there are other investment types (not everyone can do this, so don't follow the trend), and you must use this method, because only in this way can you make the funds available for a long time.

second, solve the pit problem.

falling into a pit means that you have no money to pay back because you can't use the card, and you are worried about repayment, which affects your normal life.

As I have shared in previous articles, if there is no money, there is only one way to solve the pit and gain time. So using this method, we only need to solve a small part of the cost every month, we can earn money for ourselves, strive for more time, and finally solve the problem of credit card (debit card) repayment.

why are so many people keen on "keeping cards with cards"?

First of all, credit card (debit card) is one of the lowest financing costs at present. As long as there is a very reasonable repayment plan and ways to increase investment, it is still a very cost-effective transaction after deducting the handling fee. Many borrowers have applied for more than a dozen cards, with a total amount of millions. If effective fund management and operation are adopted, a great god can spend the money.

various ways of playing credit cards (debit cards) have two sides, and there are advantages and disadvantages. It is up to the cardholder to decide whether it is good or bad. If you don't understand at present and don't know how to control it, then it proves that it is not good for you. Please don't do it blindly. Everything I said has preconditions, and I have never misled or tempted others. I have analyzed this matter from all angles.

Secondly, some young people who have just stepped into the society are unwilling to reach out to their families because of their temporary poor economic conditions, so they will apply for more credit cards (debit cards) and set them back and forth to relieve the pressure of life, and then get deeper and deeper and become card slaves. There is also a kind of card god, who runs more than a dozen cards just to use credit cards (debit cards) in bonus hunter. He knows the preferential activities of each bank like the back of his hand, and carefully studies how to earn points and increase the amount, and make profits by exchanging gifts or miles.

secondly, let's talk about the risks of raising cards with cards.

the legal risks have been clearly stated by the state. "if a cardholder uses various means to maliciously overdraw for the purpose of illegal possession and should be investigated for criminal responsibility, he shall be convicted and punished for the crime of credit card (debit card) in accordance with the provisions of article 196 of the criminal law."

handling fee. It is understood that the handling fee of pos machines in the market is generally around .6%-.85%, so the cost of 1, yuan is 6-85 yuan. If you are not good at financial management and the income brought by working capital is less than the handling fee, then it is a liability for cardholders, and the bigger the amount, the more.

Many friends just started to know about this matter, thinking that by doing this, the credit card (debit card) can be circulated all the time without paying back the money. And they ignore that there is a cost in doing so; Secondly, this requires raising cards, and raising cards will also involve security issues.

Therefore, when you use a credit card (debit card), you must carefully understand every game and function of the credit card (debit card). Since it exists, it proves that someone can do it. But not everyone can, and there are different levels. If you want to achieve it, but you don't understand it, you must at least learn before you can do it.

if you can't do it yourself, then this way is not good for you, and you don't need to contact it. I hope everyone will have a correct understanding. At least don't believe that credit cards can make you rich overnight. Remember: there are preconditions.

how to use more credit card points?

the staff of a credit card center of a commercial bank reminded that cardholders can use valid time nodes to swipe their cards to earn points. The so-called effective time node refers to some points doubling and points returning activities jointly launched by some shopping malls and banks during celebrations or major holidays, which not only doubles the points, but also can be used to offset the consumption in shopping malls; Every week, banks will also have many discounts on specific days, and consumers can buy coupons in advance on the bank website or APP.

The manager of a credit card center of a joint-stock bank suggested that cardholders should first stick to practical principles and choose the goods they need, such as supermarkets, convenience stores, restaurants and other businesses in some banks, so that consumers can exchange points for goods, cash vouchers or food at nearby stores at any time. Secondly, cardholders can try to exchange some widely used and standardized virtual goods, such as mobile phone recharge cards, supermarket shopping cards, gas cards, air miles, etc., or deduct the annual credit card fee. In addition, cardholders can also choose to use points directly, such as CCB's credit card points payment cash service, which supports customers to directly use credit card points to deduct the order amount during the order placing process in the mall.

For example, CITIC Bank cooperated with JD Finance to launch "JD.COM Steel _", and the points can be changed into "Steel _" for shopping and consumption in JD.COM Mall; China Merchants Bank launched a point-to-house exchange activity, which can use the credit card consumption points of China Merchants Bank to deduct the purchase price; China Merchants Bank also launched the "One Foundation" co-branded credit card. Cardholders can spend at least a month on the 1 yuan Donation Program to accumulate the amount of love. When they reach a certain level, they can upgrade and issue higher-level cards.

There are even bank credit cards that can generate points without spending, such as the "Xing Dongli" credit card of Industrial Bank, which can be exchanged for credit card points with exercise calories.

many cardholders said that the validity period of points in some banks is short, and the chaotic management of points between bank cards also brought multiple inconveniences to cardholders. It is understood that the validity period of credit card points launched by domestic banks is indeed different. For example, credit card points of banks such as Agricultural Bank of China, China Construction Bank, China Merchants Bank and Industrial Bank are permanent, and credit card points of banks such as Guangfa and Ping An are as long-term as the card use period, while credit card points of banks such as Bank of China, Bank of Communications, CITIC and Pudong Development Bank are only valid for about two years. Disclaimer: The article comes from the Internet, and is only for users to learn and communicate. If there is any infringement, please contact to delete it.

what are the credit card withdrawal methods of China Merchants Bank?

What are the credit card withdrawal methods of China Merchants Bank? China Merchants Bank likes to look at the number of consumption, is not sensitive to large consumption, and tries to change the consumption mode into card consumption. Moreover, China Merchants Bank's credit card is relatively easy to maintain, and the bank will take the initiative to raise the amount. Here are some ways to raise the amount of China Merchants Bank's credit card.

1. Adjust the credit limit through high-frequency and high-rate credit card swiping

For example, the credit limit of your card is 1,, and it is not overdue, and the credit limit has been 1,. It hasn't been adjusted for 3 months. The code is operable. You can pay more, then use a high-rate machine to swipe your card frequently, and then pay the outstanding bill in stages. After all the accounts are entered, 8% of your card can be adjusted. If it doesn't work, the limit can be adjusted when 1% of the current bill comes out.

2. Intermediary play of China Merchants Card

Intermediary play mainly involves raising the fixed amount in a short period of time. For cards with a fixed amount of more than 1,, the cash installment amount is raised through intensive care cards with a maximum of three months, and the direct cash installment is fixed to 6, fixed and 5, temporary. For China Merchants Card, the maximum consumption should not be less than 25 per month, and the amount of a single transaction should not exceed 1,. If you brush the capping machine, you will spend it in stages immediately, which will not affect the comprehensive score. More ways are used, such as installment, cash advance and cash installment, in order to send money to the bank and increase the comprehensive score. Generally, bills are mainly used in installments, and the bills come out to make bills in installments, which are divided into three periods. Three issues is the most cost-effective number. The amount of money should not exceed 3% of the total consumption in the current month, and should not exceed 5% at most. Cash advance can be done properly, but the investment promotion system changes greatly, so the two comprehensive scoring methods of cash advance and cash installment should be used with caution.

3. Technology of increasing the temporary amount

When the credit card holders of China Merchants Bank occasionally need to temporarily increase the credit limit due to insufficient credit limit, they can directly call the customer service phone of China Merchants Bank to request to increase the temporary credit limit. China Merchants Bank credit card temporary limit promotion conditions generally require holding the card for more than 3 months. At present, China Merchants Bank is the fastest among the issuing banks to increase the temporary quota. It can be approved at that time and can be used immediately after approval.

1. Call the customer service directly and ask for temporary assistance. Customer service will cancel your quota and reapply.

2. Go to the website, cancel the temporary quota, and then reapply. However, the conditions for the temporary cancellation and reapplication are as follows: First, the billing date has just passed, and the minimum has been paid. Second, recent consumption is relatively strong, and credit card consumption is frequent.

The temporary quota can be adjusted to 1-3 times of the fixed quota. If the customer service doesn't agree, you can ask to be transferred to the supervisor, saying that you need to decorate, travel and other reasons. If the supervisor doesn't approve, you can be relatively tough. If you can't apply for a fixed quota, you can reapply for a temporary quota before it expires (1% will pass), then the time will be recalculated for another month, and then you can call to add a temporary quota! This means that there is no difference between the temporary quota and the fixed quota, and you can use it for a long time.

4. Strategic increase

1. Spend 15 times a month; 2. Pay the minimum monthly repayment; 3. You need to withdraw cash 2 to 3 times a month; 4. It is appropriate to make a small installment; 5. You can choose to properly participate in the donation of Hong Kong dollars; 6. China Merchants Bank's automatic withdrawal system calculates the automatic withdrawal time period for automatically screening customers at regular intervals.

China Merchants Bank has four credit card withdrawal methods. Generally speaking, it can keep more than 2 credit card swipes per month in the past six months, and it is best that small consumption accounts for the vast majority to meet the bank's requirements in this regard. In addition, if China Merchants Bank takes the initiative to raise the amount, it is better to say that consumption abroad will increase the amount of US dollars. In fact, when your amount of US dollars is increased, your amount of RMB is also increased.

This is the end of the introduction of credit card play and clever use of credit cards. Did you find the information you need from it?