If you want your credit card to avoid the trouble of credit card downgrade, you should pay more attention to the following matters:
First, keep diversified credit card consumption.
To maintain the diversification of consumption, the amount of consumption should be matched with the type of consumption business, and the concerns of Chengdu Bank should be eliminated to the greatest extent. Often only in the same type of merchants or even the same POS machine, it is very easy to become a cash-out brand in bank risk control.
Second, don't brush low-rate pos machines.
The rate of ordinary POS machines is around 0.6%, and POS machines below this rate account for the majority. If you swipe your card on it, you won't enjoy the accumulation of points, and it's easy to skip codes, and there is a great risk of being downgraded.
Third, swipe the card to jump out of the normal business hours of the merchant.
The business hours of shops are usually fixed, mostly from 8 am to 8 pm 1 1. You must choose to swipe your card during the normal business hours of the business, and try to avoid not swiping your card at other times. Otherwise, if the bank risk control catches you swiping your card during abnormal business hours, it will bring you trouble.
Fourth, participate in more preferential activities.
Participate in the bank exit preferential activities, brush the sense of existence, let the bank get profits and their own impression points, and at the same time get the accumulation of credit card points, killing two birds with one stone.
Five, properly handle the installment payment
Handling the installment fee contributed by credit card installment payment to the bank can bring a lot of help to credit card cash withdrawal. However, it should be noted that staging is also particular. It should be divided into stages reasonably, and the division time should not be too long and the frequency should not be too high.