Brush back and forth skills of credit card repayment

Credit card repayment skills. Nowadays, many people have their own credit cards, and credit cards and mobile phones can be overdrawn. Many times, they need to swipe their credit cards for emergency. You always have to pay back your credit card. If it doesn't rise, it will have a great impact on us. Here are the skills of swiping back and forth for credit card repayment.

Credit card repayment 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. In this way of operation, banks can easily mistake you for "cash". 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.

In addition to the above skills, you also need to avoid large credit cards and fast forward and fast out. At the same time, we also need to pay attention to whether the merchants of credit cards are preferential merchants. The consumption of each credit card, whether there is a record of points, etc.

To sum up: the skill of credit card revolving repayment is: 1, and the repayment amount and credit card amount cannot be similar or the same. 2. Every time you swipe your card, it is best to have an interval of more than two hours. 3, swipe the card on the same day, it is best to repay the next day. Do the above, then the probability of credit card being controlled by the wind will be very small.

Credit card repayment brush back and forth skills 2

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.

There are two ways to repay back and forth by credit card. One way is to repay cash by some means (sets), such as using POS machines provided by some merchants to swipe their cards (sets);

The other is normal cash withdrawal repayment, that is, using a credit card to withdraw cash from a bank ATM, and then depositing the withdrawn cash into another credit card for repayment.

Pay attention to the following skills when using two credit cards to repay each other:

First, the current credit card (set) should not be too frequent. Credit card (set) itself is illegal, and there are legal risks. Looking for an intermediary (set) may still reveal credit card information and encounter theft;

Second, it is best to repay as soon as possible after the credit card is withdrawn. Normal withdrawal by credit card will accumulate withdrawal interest and handling fee and increase repayment cost;

Third, there should be a certain interval between the repayment dates of two credit cards that repay each other, so as to avoid overdue due to turnover.

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.

Credit card repayment brush back and forth skills 3

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.

Credit card repayment skills: credit card multi-card single card cycle repayment method

Doing so can prevent us from overdue repayment, maintain good credit information, 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 relieve our pressure to the greatest extent.

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.

Credit card repayment skills: credit card multi-card single card cycle repayment method

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.

Mutual repayment skills of two credit cards

The way for two credit cards to repay each other is that the user withdraws cash from card A and returns the debt owed by card B.. In this way, A card and B card can repay each other, but there are certain risks in this repayment method. For example, the withdrawal amount of card A or card B is insufficient or cannot be withdrawn, which will directly lead to the overdue of another card.

Therefore, users had better not use two credit cards to repay each other, which is not only risky, but also leads to more and more repayment amounts.

Extended data:

Disadvantages of using two credit cards in reverse

Credit cards generally provide a credit line, allowing cardholders to spend in advance, so they are welcomed by many people. However, in order to enjoy shopping without spending money, many people will choose to apply for several credit cards and use them backwards. First use one credit card to spend, then withdraw the amount from another credit card and return it to the last credit card. After the last credit card is repaid, the amount will be restored, and then it will be repaid, and so on.

Although this method seems feasible, it will bring many disadvantages. Because this operation will generate a lot of handling fees, although the credit card has an interest-free period, it can not enjoy the withdrawal operation, and interest will be calculated from the day of withdrawal. If the cardholder uses two credit cards in reverse, there will be a lot of handling fees, but the economic burden will be greater and greater.

And this method is very energy-consuming, because it is difficult to keep balance. There are many variables in real life. If the cardholder can't repay the loan on time, this balance will be broken. At that time, he may have to face two credit card bills at the same time. If he can't repay in time, he will fall into a repayment cycle and may be labeled as a "card slave".

This method of "robbing Peter to pay Paul" is not advisable. Some people may want to use it more and more. When they feel that the credit line can't satisfy their shopping desire, they will apply for more credit cards, which will only get them deeper and deeper.

Tips for two credit cards (debit cards) to repay each other

The tips for two credit cards (debit cards) to repay each other are as follows: the repayment dates of the two cards should be staggered, and the A card should be taken out, and the funds taken out should be used to return the B card; On the repayment date of card B, withdraw cash from card A and return it to card B.. As long as both card A and card B can withdraw cash and the withdrawal amount can cover the repayment amount of the other card, then the two cards can repay each other.

Of course, this approach also has certain risks. As long as one of the cards cannot be withdrawn, the user's capital chain will break, and then the credit card (debit card) will expire.

What are the skills of credit card repayment?

1. Credit card accounts cannot be transferred. Credit cards can only be repaid through savings accounts or through non-credit third-party platforms, and it is impossible to repay credit cards directly with credit cards.

2. Mutual repayment of credit cards can only be realized by cash withdrawal from one credit card, that is, after cash withdrawal from one credit card, repayment is made to another credit card. However, you should know that interest and handling fees are charged for withdrawing cash by credit card. This method is very expensive and can only be used in emergencies. This method is not suitable for long-term use.