***I have three credit cards and want to use them to maintain my credit card. How do I do this?

1. Credit card maintenance refers to allowing professional card holders to use multiple POS machines to simulate continuous consumption limits and diversify consumption types, so that the bank's system can detect the current high credit card consumption, thereby improving itself. credit card limit. An 8-year payment veteran recommends that you choose a formal, reliable payment company when handling the payment.

2. There is another way to maintain a card with a card, which is to apply for credit cards continuously, use the money from the next credit card to pay off the debt of the previous credit card, and try to get the money from the bank. This is a credit card. Use cards to support cards.

Extended information

1 As we all know, due to banks’ strict approval of credit cards, the credit card limits of working-class people are lower than their normal income, which makes many people’s credit cards and consumption levels unable to balance. This is why This gave rise to the idea of ??increasing the credit card limit.

2 The specific process of raising a card is that the cardholder first uses his own funds to repay the debt for the cardholder, so that the credit card will show normal repayment, and then the card will be credited accordingly through simulated consumption. Spend the limit, then your credit record will be normal, and the funds will still be mine after all the transfers.

3. The bank will not know about your repayment. It will only show that your credit card credit is good. In the process of maintaining the card, it can also help you increase the frequency of consumption, and the bank will continue to increase your credit limit. and points.

2019 credit card (debit card) card maintenance operation process, it is recommended to collect it

Many people do it just for the sake of it, they only know how to swipe it, but they don’t know how to build it By yourself, extend your credit to the maximum, and card players will know how to maintain their cards. After all, they know how to avoid bank risk control and the favorite consumption types of each bank. This requires a relatively high understanding of credit cards (debit cards). If you don't play well, you will fall into a trap.

For example, if the total limit of a credit card (debit card) is 300,000, there are two ways to use the credit limit:

1. Each card must be prepared within the interest-free period. Turnover, then each card limit can only be used for about a month. Although the interest-free period of many banks is about 50 days, if you want to pay safely, you can only fully withdraw it in 30 days, or even less.

2. Directly take out 70% of the 300,000, reserve about 30%, and use the rest for other purposes. Use this 30 quota to solve the remaining loopholes, and you can keep the card, which means that the card has 30 quota of reserved funds, which is safer.

If you understand it, you can also see that this requires certain personal abilities. If you don't know how to maintain a card and how to use it, it's best not to touch it.

Many veterans ask how to use credit card (debit card) funds to do some simple financial management. There are two problems to be solved here.

One is whether you can maintain your card safely, and the other is whether you can solve the costs where the benefits outweigh the expenses. Another way is to increase the credit limit in order to maintain the card. Remember to put safety first.

Keeping a card with a card is actually a very good way of financing:

1. There should be more cards and more POS machines, and all types of merchants should have them, such as Catering, entertainment, transportation, etc. are all conducive to increasing your quota.

2. There must be a stable way to add value. The money in the card is not for you to withdraw and spend, but for your money to make money.

3. Have a reasonable repayment plan.

4. You need to be very careful, you all know it! Maintaining cards with cards requires excellent patience and mind, as well as absolute control.

When maintaining multiple credit cards (debit cards), pay attention to the details:

1. It cannot be completely empty, so this is a fallback. It must be done, leaving only part of the money, and paying out Every problem can be solved.

2. The purpose of staggering the billing dates is to avoid the problem of being credited immediately after repayment. It is better to leave the bill on the card for one day after repayment, which is safe.

3. If you want to finally solve the problem, you must have money to pay it back. Only by replenishing the funds appropriately every month can it become easier and easier. At least the handling fees incurred will be replenished, otherwise it will only become less and less.

4. Using cards to support cards is a technical job. If you do it well, you can achieve your goals. On the contrary, the more you accompany, the deeper you will get.

Tips for using the card:

1. Each credit card swipe cannot exceed the limit of 30.

2. You cannot clear all of them, so reserve 10-20.

3. Don’t always use integers, decimal points, straight numbers, or leopard numbers.

4. Do not use the same card consecutively, but there must be intervals.

5. The number of credit card swipes per month is more than 20 times.

6. It cannot be overdue.

It is relatively easy to operate according to the above method. It is normal to play with credit card (debit card) limits of 500,000 to 1 million. Veterans will absorb and transform.

Build your own credit, and everyone can become a card god!

Tips and Methods of Using Cards to Maintain Cards These 4 tips teach you how to maintain cards with cards

1. Control the number and amount of card swipes.

Credit cards need to be swiped more often to increase the limit quickly. Banks issue credit cards in order to gain revenue. Card swiping fees are an important income of the credit card business. As long as the cardholder swipes the card to make purchases at merchants, they can It creates revenue for the bank. Therefore, cardholders who have a high number of credit card swipes and a high proportion of credit card swipes in a single month are more popular with banks. Generally speaking, if a card has more than 30 purchases per month, and the amount of card purchases in a single month must exceed 60% of the total credit limit, it is easy to get approval for applying for a credit limit increase. If the cardholder himself does not have so many consumption needs, he can try to help others swipe the card to make purchases to increase the number and amount of card swipes.

2. Select the appropriate merchant to swipe your card.

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

3. Don’t just swipe your card.

In addition to swiping your card for consumption, you must quickly "maintain your card". It is recommended that cardholders try to handle other credit card businesses, such as credit card cash withdrawals, credit card installment repayments, etc., because these businesses can also contribute revenue to the bank and will of course be welcomed by the bank.

4. Seize the right time to raise your quota.

When applying for a credit card limit increase, you need to find the right time. It is easier to get approved if you seize the right opportunity to apply for a limit increase. For example, if you apply for a credit card limit increase immediately after a single large-amount consumption accounts for more than 50% of the total credit card limit, the bank will think that the cardholder has a high demand for credit card consumption and the current credit limit has been exceeded. His request cannot be satisfied and the quota needs to be increased.

Tips of using credit cards to maintain your credit card

Tips of using credit cards to maintain your credit card include paying more than you pay, making use of the repayment cycle, reasonable allocation, etc.

The most common way for cardholders to maintain their credit cards is to maintain two credit cards with one card. Generally, there are the following tips for maintaining two credit cards with one card:

1) Utilize the repayment cycle: Use two credit cards to support the card. Users must make reasonable use of the repayment cycle and try to choose two credit cards with a larger repayment cycle, so as to extend their interest-free repayment period. , for example, card A pays off on the 4th of every month, then card B can choose a credit card that pays off in the middle of the month or at the end of the month.

2) Reasonably allocate the number of card swipes and the amount of the two cards: When using two credit cards, the cardholder must use both cards at the same time, and both cards must be swiped enough times to increase When it comes to the chance of a limit increase, never just swipe one card and leave the other card alone.

3) The normal routine of maintaining a card is to pay for more and pay for more. Pay for more by dividing the money and pay it back into the credit card. The more you pay is the number of transactions. The type of merchant is that you have to diversify your consumption every month. , for a 2W card, you can spend the 2W in 15 times, and then split the amount to get out the amount. Of course, it is best not to enter and exit in seconds. The specific method depends on the individual's different funds.

In short, it is also very important to maintain a credit card and choose a card. After all, maintaining a card is not a matter of skill. Only by choosing the right credit card that is suitable for maintaining a card will it be easier to maintain the card. If you choose to increase the limit faster, It is not cost-effective to maintain a credit card that is slow and has a low limit.

1. The following are several credit cards recommended by netizens:

1) CITIC Yan Card: This card is a gold card, and the application threshold is not very high. If you have good trust and a stable income, you can basically apply for the card, and the maximum limit can reach 50,000 yuan.

2) ICBC World Struggle Card: This card is divided into three levels: regular, gold, and platinum. You can apply for credit cards of different levels according to your actual situation. It is easier to apply successfully, and it is easier to increase the limit. .

3) China Merchants Bank YOUNG Card: This credit card is easy to apply for, and fresh graduates can also apply for it. The limit can be increased quickly, making it suitable for card maintenance and credit accumulation.

4) Ping An Car Owner Card: This is a card suitable for car owners. As long as you meet the prescribed consumption limit, you can enjoy discounts on refueling, so it is more suitable for car owners to maintain the card.

5) Postal etc card: This card can offer up to 12% discount on etc, and the credit limit is high. As long as it is used reasonably, the credit limit can be increased quickly.

What is the correct way to maintain a credit card?

1. The 25 in the card maintenance method means that there are about 25 card swipes every month. Of course, it is not necessarily 25. 25 just represents a number.

If you want to be intensive, it is best to make more than 20 brushes. Some card friends ask whether the more brushes the better. Even if you want to brush more, you must control it in a reasonable way. You can't just swipe your card without doing anything else for a day. In this way, you will swipe your card hundreds of times a day.

Each of the 2.3 medium purchases should not exceed 30% of the total credit card limit. This needs to be determined according to the fixed limit of your credit card.

3. A large amount of consumption can also be understood as maxing out or empty spending. This is a signal to the bank to raise the limit. It should be known that I have spent so many times and paid the protection fee. It's time to give me a raise.

4. Small-amount consumption is best concentrated from Monday to Friday, and medium-amount consumption and large-amount consumption are best spent on weekends or by swiping credit cards in other places.

: Which card payment methods will reduce the limit?

1. Repeatedly swiping the card at the same POS machine in a short period of time will easily be suspected by the bank as cashing out.

2. Just withdraw all the money from the credit card just after the repayment date. Leaving the card empty for a long time is not good for maintaining the card.

3. Abnormal transactions, such as going to KTV in the morning and buying clothes at 11pm are all abnormal transactions.

4. If you use a low-rate POS machine and the bank doesn’t make any money, how can you keep the card?

5. Late repayment. Late repayment will make you think that you are a risky user.

That’s it for the introduction of how to maintain the three credit cards.