Credit card money back and forth skills

Credit card money back and forth skills, almost everyone has a credit card, credit cards can be overdrawn, credit card lines can be recycled. As long as there is repayment, the available credit card limit will be restored in real time. Here are some tips on how to pour money back and forth with a credit card.

Credit card money back and forth skills 1

The skills of credit card revolving repayment are as follows:

The repayment amount and the credit card amount cannot be similar or the same.

Every time you swipe your card, it is best to have an interval of more than 2 hours.

Credit card on the same day and repayment on the next day.

Credit card limits can be recycled. As long as there is repayment, the credit card available amount will be restored in real time. After the billing date, you can pay off the credit card bill by circulating credit card repayment. However, it is necessary to pay attention to the skills of credit card recycling, otherwise it will easily lead to bank risk control and lead to credit card downgrade and card closure.

Tip 1: The repayment amount and the credit card amount cannot be similar or the same.

When many people reverse their cards, they always have to wait until the final repayment date. Then at this time, time is tight. If you don't pay off the credit card bill in time, it is very likely that high interest will be generated because of the minimum repayment amount, and there is even the risk of overdue.

Therefore, when the final repayment date is approaching, many card friends will pay back a sum, brush a sum, pay back a sum, and brush another sum. Then this repayment method is the most vulnerable to bank risk control. This way of operation, it is easy for banks to mistakenly think that you are "fixed (present)".

After a long time, it will cause risk control. When you reverse the card again, you will find that although the money has entered, it cannot be swiped out. As soon as you check, you will know that the original credit card has been downgraded. Therefore, in the process of card withdrawal, the repayment amount and the credit card amount cannot be similar or the same.

Tip 2: Every time you swipe your card, it is best to have an interval of more than 2 hours.

As we all know, after credit card reverse repayment, it is necessary to draw more funds. The skill of raising cards is called a small number of moves, but because it is upside down, it is naturally not small. But pay attention to the time interval of swiping the card. If the time of swiping the card twice is very close, it will also cause the risk control of the bank.

Especially when credit card merchants appear in other places. For example, your first credit card merchant address is in city A, and a few minutes later, the credit card merchant address is in city B, and the two cities are hundreds of kilometers apart. Then how do you explain that the bank can believe it? Therefore, every time you swipe your card, it is best to have an interval of more than two hours.

Tip 3: swipe your card on the same day and repay it the next day.

For example, the bill amount is 20000, and the available amount 1000. On that day, I divided it into four strokes and drew 10000. If 1 10,000 is returned to the bank on the same day, it is likely to cause bank risk control. At the same time, because your savings card funds are fast-forward and fast-out, it is very likely that the bank will restrict "over-the-counter transactions". Therefore, whether it is a credit card or a savings card, it is best to swipe the card on the same day and repay it the next day.

Credit card money back and forth tips 2

I. Multi-card revolving credit card repayment

For example, Zhang San has two credit cards, both of which have a limit of 5000 yuan. This month, I have almost swiped the first card, but I haven't swiped the second card yet. So when the first card needs to be repaid, Zhang San only needs to take out the money from the second card and return it to the first card, so that the bill can be paid off as soon as the card is swiped.

However, the bill of card 2 has not expired, so you can take the card 1 return the card 2 when the bill of card 2 expires, so that you can repay it circularly without worrying about running out of money.

Pay attention to this method when paying back the money. It is best not to withdraw money directly from ATM, which will generate high interest. When withdrawing cash, it is best to use pos machines. Some businesses can be asked to pay some handling fees to withdraw money. Generally speaking, this handling fee of 10 thousand will cost about 40-70 yuan, but it is also less than direct ATM withdrawal.

Second, single card revolving credit card repayment

In this way, we don't need two credit cards, but only one card for repayment. We also use Zhang San's example to analyze the operation process.

Zhang San has a credit card with a line of 1 10,000 yuan. He has spent 5000 yuan, and it has not been paid by the repayment date. Then Zhang San takes out the remaining 5,000 yuan before the repayment date, so that the 5,000 yuan taken out will not be paid back until next month, and Zhang San will pay it back the next day, so that this month's bill will be paid off.

Doing so can prevent us from overdue repayment, maintain a good credit report, and repay in full every month without any handling fee. The most important thing is that we don't need to repay when we have no money, which can minimize our' pressure'.

However, when using this method, we must be cautious. First, don't explode the card, so you can't repay the loan with a single card cycle. Second, don't use it frequently, only occasionally when you are in trouble, so as not to be discovered by the bank's risk control department.

Finally, I remind you that even if we use the above two methods to pay back the credit card, you will have to pay back the principal sooner or later. Don't take any chances, it is harmless occasionally, and frequent use is likely to be controlled by the wind. Remember this.

Credit card money back and forth tips 3

There are many skills for credit card revolving repayment. You can choose your favorite!

1. You can use the first card to withdraw cash and return the second credit card, and then use the second card to withdraw cash and return the first credit card. If the cash withdrawal amount of the two cards is too different, it cannot be completed at one time, and it needs to be reversed several times. Of course, it should be noted that the repayment must be between the billing date and the final repayment date of each card.

2, if there is no money to repay, you can also use the method of four or two thousand, for example, use two thousand to pay back the arrears of four thousand, pay back two thousand first, and save it immediately after taking it out the next day, which is equivalent to paying back four thousand, but the expenses should also be paid back.

Regarding the handling fee, it depends on which bank the user's credit card belongs to. The handling fee of 1% is basically charged, and the minimum for a single transaction is about 10 yuan. Bank interest is mostly calculated from the next day. Because the credit card does not allow direct transfer to another credit card for repayment, it can only be repaid in this way.

We should remind all users who use credit cards that they must not be overdue in the process of using credit cards, but this phenomenon will inevitably occur. Some people didn't mean it, but they may have forgotten it. In this case, it is recommended to set up automatic repayment, and then repay after maturity, without worrying about any overdue problems.

How to reverse the credit card correctly?

First of all, we should prepare a pos machine that does not skip codes, followed by the time to swipe the card, and then swipe the next one at least two hours later. In addition, the amount of credit card can't be an integer, but it should be 995, 3796, 8723, 9980, etc., which looks like real consumption.

How to use the credit card backwards?

If you want to reverse the card, just remember the repayment date of each card. Before the repayment date, you can use one of them at will and pour out the amount and return it to other cards. After returning one card, you can return another card, which needs to be completed before the repayment date.

Reverse credit card technique

Two credit card lossless anti-card skills:

1) Reverse use of two credit cards: How to use two credit cards only means that one credit card is cashed out to repay the second credit card, and the debt of the first credit card is cashed out by the second credit card, which will enter a cycle and allow unlimited repayment. Of course, there is no such thing as a free lunch, and two credit cards must be cashed back and forth at a high price. At present, the normal withdrawal cost of credit cards is relatively high, and most banks generally charge about 1%-3% for overdraft withdrawal of credit cards, no matter where they are. Of course, if you want to withdraw cash, you need a handling fee to withdraw cash through POS machines. If not fully repaid before the repayment date, the generated transaction amount will also generate interest.

2) Credit card lossless reverse card skills: First of all, when setting the billing date of the credit card, it is best to set it according to the middle and late period, because there are accounts to be calculated. Precautions for daily use of credit cards: Many people don't know that if they miss the repayment date of credit cards, there is still a chance to remedy it. Credit card reciprocal repayment, commonly known as "keeping a card with a card", can help you solve your urgent needs in difficult times, but it is not a long-term solution. You can repay after cashing out by some means, such as cashing out by using POS machines provided by some merchants. You can prepare a POS machine to complete the mutual reversal of two credit cards.

Note: It is best to repay the credit card as soon as possible after withdrawing cash. Normal withdrawal and repayment of credit cards will accumulate withdrawal interest and handling fees, and increase repayment costs. : 1. There are generally two ways for credit cards to reverse each other, and the consequences of different ways are different. If it is a virtual transaction through POS or online payment, it is illegal to cash out. If the consequences are minor, the use of credit cards will be reduced. If it constitutes a credit card crime, it can be considered as malicious overdraft of credit cards. If it constitutes a credit card crime, you need to bear legal responsibility; The other is to withdraw the money from the credit card by cash withdrawal, which will generate interest payment. Either way, it will not only cost a lot of interest, but also take a lot of risks.

Credit card anti-card skills ask passers-by for advice

1.2 credit card is used backwards.

How to use two credit cards, only one credit card is cashed out, and then it is used to pay off the second credit card, and the arrears of the first credit card are cashed out by the second credit card, which will enter a cycle and allow unlimited repayment.

Of course, there is no such thing as a free lunch, and two credit cards must be cashed back and forth at a high price. At present, the normal withdrawal cost of credit cards is relatively high, and most banks generally charge about 1%-3% for overdraft withdrawal of credit cards, no matter where they are.

Of course, if you want to withdraw cash, you need a handling fee to withdraw cash through POS machines. If not fully repaid before the repayment date, the generated transaction amount will also generate interest.

2.2 Credit card lossless reverse card skills

First of all, when setting the billing date of a credit card, it is best to set it in the middle and late stages, because there are accounts to be calculated. For example, on May 2nd, Wang wanted to use his credit card to buy household appliances. He has two credit cards, one with a billing date of 5 days and the other with a billing date of 15 days.

If he wants to fully enjoy the longest interest-free period of a credit card, he can do this: the billing date of a card is 5 days, then the repayment date is 25 days, and the interest-free period is 23 days from May 2 to May 25.

But the billing date of card B is 15, and the repayment date is around the 5th of next month. If you swipe your card on May 2, the money will be credited to the current bill, and the interest-free period is from May 2 to June 5, totaling about 33 days.

According to this calculation, Wang's choice of spending B card is much more affordable than spending A card.

A credit card has a billing date and a repayment date, generally 20 days apart, which is equivalent to the interest-free loan you enjoy.

Matters needing attention in daily use of credit cards

1. Extension application

Many people don't know that if they miss the credit card repayment date, there is still a chance to remedy it. They can immediately call the service center of the issuing bank and apply for "deferred repayment". Many banks have this service, and usually you can get a grace period of 2-3 days, which will not affect your credit report and you don't need to pay late fees.

2. Say no to unreasonable staging.

I believe many users have received sales calls from banks, most of which are various installment businesses, especially after you have spent a lot of money recently.

In order to get the longest interest-free period, the billing date is the key.

In the process of obtaining the interest-free period, Zheng Da Guangming transferred all the fixed consumption of the current month to the current day without any operating cost. As we all know, it can get an interest-free period of up to 60 days. In some cases, the bank bill spent that day is included in the monthly bill. For safety reasons, it is safer to brush it the next day.

How to transfer the credit card money to the bank card?

To transfer money from a credit card to a bank card, you need to look at the following two situations, as follows:

1. When the user's money is deposited in the credit card and the amount exceeds all the debts under the account, this money is called overpayment, which can be used to deduct the subsequent credit card consumption, or transferred to other bank cards, but a handling fee will be charged when transferring out. Take the Agricultural Bank of China as an example, the handling fee is 1% of the recovered amount, with a minimum of 1 yuan per transaction.

There is no deposit in the credit card, and now there is only a limit. At this time, the limit can only be converted into cash by applying for cash advance, and then it can be withdrawn to other bank cards. However, advance cash will charge a handling fee and interest. For example, Agricultural Bank of China charges a handling fee of 1% of the transaction amount at the bank, with a daily interest rate of 0.05%.

Precautions for credit card transfer:

Usually, credit cards have a fixed amount and a cash withdrawal amount, and the cash withdrawal amount is configured according to 50% of the credit card amount.

For credit card overdraft withdrawal, in addition to the withdrawal fee (0.5% of the withdrawal amount, at least 2 yuan), interest of 0.5 ‰ of the withdrawal amount will be charged every day from the date of withdrawal, with a maximum withdrawal of 2,000 yuan per card per day, and the cumulative withdrawal will not exceed half of the credit card limit.

When many banks borrow cash in advance, they can only withdraw cash from their bank cards with credit cards, so users had better prepare debit cards with credit cards in advance.

Credit card cash advance has no interest-free period. From the date of advance, users need to pay 0.05% of the daily interest rate. The maximum amount of cash advance by credit card is 50% of the total amount. If the remaining available credit card limit is less than 50%, only the remaining credit limit can be withdrawn.

Here's how to reverse a credit card.