"Why?"

"With sufficient cash flow, bonus hunter is much more convenient!"

"No need to borrow money from friends"

"It's a pity that so many good wealth management products can't enjoy the dividends of this era"

"The most important thing is that you have a lot of confidence when you pay the bill"

When everyone knows the truth that "the poor save money and the rich borrow money", the attitude towards credit cards is becoming more and more open. If we compare the credit card system to one,

1. How do banks make money through credit cards

To know how to increase the quota, we need to deeply understand how banks make money through credit cards, and we can only lead banks by the nose when we know the logic behind it!

▌1 Annual Credit Card Fee Income

Banks get income from the annual credit card fee. Every little makes a mickle.

▌2 Credit card processing fee income

No processing fee is charged when people swipe their credit cards. But banks can't avoid the handling fee of merchants. Swipe your card at hotels, restaurants and supermarkets. After swiping the card, the bank will charge the merchant's handling fee. That is to say, you got a credit card and spent it there. This merchant will pay the bank a certain handling fee for your consumption

▌3 Interest income brought by revolving credit

What is revolving credit? For example, our credit card bill is on the 4th, the 25th is the repayment date, and we spent 3, yuan. Then we will pay back 3 yuan before 25th, which is called full payment. The problem is that many people still don't pay when it comes to repayment, and the bank has a minimum repayment amount of 1% for this situation, that is, if you spend 3 yuan and pay back 1%, the bank will not rush you again. So what should I do if I still owe 27? Never mind, I'll pay it back later.

but this 27 yuan has interest, how much interest? At first glance, it is not much, but you should know that it is the daily interest, and the annualized interest rate is nearly 2%.

▌4 installment income

We have bought a house, a car or a commodity, and paid by installment. This installment payment is a major means for banks to make money by using credit cards now. Then you will definitely say that all credit cards now have handling fee and interest. But it is certain that this is a specified commodity, and specifying the price of this commodity is definitely much more expensive than buying it from other channels.

▌5 consumption abroad income

In fact, this also involves the credit card handling fee. But it's overseas, so we'll list it separately. The handling fee paid by overseas credit card consumers to banks is higher than that in China. And DDC revenue may be generated.

second, the handling fee for the right medicine

Since many credit cards are now free of annual fees, we will not mention them for the time being.

because the credit card merchant has to pay the bank handling fee. The more high-end luxury consumers, the more fees merchants pay to banks. The wholesale industry is rare, and at the same time, on special days, you will also swipe your card more, and banks will earn more fees. For example, Christmas, New Year's Day, Spring Festival, marriage, housewarming, decoration, etc.

(the first move) So spending more in high-end places will help to increase the amount. Of course, it's too simple. Be diversified. Because you often spend all kinds of money, you can earn money every time you swipe your card, and day trading shows that your consumption level is strong, which indirectly shows that you are rich

(the second measure) The bank will take the initiative to raise the amount for customers on special days, so that everyone can spend more and earn more fee income.

Third, the credit card interest that suits the remedy to the case

Seeing the above explanation, some people will definitely say that the bank will raise the amount if it makes money, and the answer is NO!

first of all, you should let the bank think that you have money, and it will feel at ease if you put the money there. So you can repay in full. Then some people may say that I still pay the full amount. What does the bank earn? The bank sees that you always pay back the full amount, and you can pay back as much as you spend. The bank will increase your credit limit. Who can refuse to increase your credit limit? Originally, you could overdraw 3, yuan a month, and the bank said you could overdraw 5, yuan. Aren't you happy? Prove that you have credit. But it always improves like this. One day you can't pay it back in time.

(the third measure) full repayment-the credit card limit does not need to be maxed out by 9%.

if the bank can't make your money, it will give you an amount to brush more. On the one hand, you earn your handling fee, on the other hand, you have good intentions. So that you can't afford it, the ultimate goal is to earn your interest on installment repayment or interest after overdue.

4. installment payment for the right medicine

the installment bank has money to earn. The more you love it, the more you mention it.

(the fourth measure) Appropriate staging

You have made me money. Can I not meet your little requirements slightly?

5. consumption abroad with the right medicine

You have been shopping abroad. Don't give you a quota. To whom? The more you spend, the more you earn from bank charges.

(fifth move) consumption abroad

has gone abroad. Must be shopping. Who won't give you a quota? Hurry and brush more. I can earn a handling fee.

(the sixth measure) Saving the country by curve

Just can't lift the quota. We can only save the country by curve. Let's apply for a temporary quota first, and then grab the brush after the application!