Using a credit card (debit card) must require skill and experience, especially for the novice white cardholders, the most taboo is to use the card according to their own intuition. Recently, people often ask backstage about some skills of using cards. Let's share them with you.

◆ 13 card-raising skills

1. Pay attention to two dates: billing date and repayment date

Generally, the repayment date is 2 or 25 days after the billing date, and the credit card is swiped the day after the billing date, with the longest interest-free period, and the credit card is swiped the day before the billing date, with the shortest interest-free period.

2. Protect the information on the credit card (debit card)

The three key information on the credit card (debit card): card number, expiration date and CVV code, which affect the safety of your card, especially the CVV code, which is as important as the password. It is recommended to cover the CVV code with a correction fluid or a sticker. Some people are even worse, and directly scrape off the CVV code with a blade.

3. swipe your card frequently to avoid the annual fee; Only when you repay the loan on time can you withdraw the amount

General credit card (debit card) be swiped for six times to avoid the annual fee. Therefore, we must brush out the annual fee. In addition, we can increase the credit card (debit card) by swiping more cards and frequently. At the same time, we can repay on time and maintain a good credit record, which is also a way to increase the credit limit. In addition, I would like to introduce another method to withdraw the amount, that is, to do more credit card (debit card) installment, so that the bank can earn your money, so as to withdraw the amount more quickly. This method has costs and should be used with caution.

4. Choose the repayment method that suits you best

In this information age, repayment methods are diversified, and it is not necessary to go to a bank outlet or an ATM to transfer money. Credit card (debit card) repayment methods include Alipay repayment, debit card binding automatic repayment, UnionPay online repayment, online banking transfer repayment, Tenpay repayment and so on. Therefore, choose the way that suits you and repay in the quickest and most convenient way!

5. If the cash flow is not working, or repayment is delayed due to something, you can call customer service to apply for deferred repayment.

that is, if your funds can't be turned over temporarily, or your repayment is delayed due to something, don't worry, call the bank customer service immediately and apply for an extension of repayment for one to three days. General bank customer service will help you postpone!

6. what should I do if the funds are tight? Apply to change the billing statement and extend the interest-free period.

When applying for changing the bill date, you should pay attention to calculating the bill date time and enjoy the longest interest-free period to relieve the pressure of tight funds. However, this skill cannot be used every month. It is said that some banks can only apply for changing once every six months, some banks can only apply for changing once every year, and some banks can only change once in their lifetime!

7. Say no to all unreasonable charges

Anyone who has unreasonable charges on a credit card (debit card) can call customer service and bargain with the customer service to apply for canceling the unreasonable charges. If the customer service disagrees, they can insist on complaining to the end and generally win.

8. Use credit card (debit card) with caution

Credit card (debit card) has very high installment interest, even if it is interest-free, the installment fee is not cheap, so use it with caution, and don't let the bank earn a dime! Of course, except those who can't repay the credit card (debit card) on time under special circumstances, except those who want to increase the credit card (credit card) quota as soon as possible.

9. Pay attention to all kinds of credit card (debit card) consumption traps

Always be reminded to guard against all kinds of credit card (debit card) consumption traps, for example, the good credit line provided by Bank of Communications, which are all similar micro-credit loans with extremely high interest rates. If the credit card (debit card) is promoted by the Commissioner, it will be rejected, and those who borrow the credit card (debit card) to sell insurance will be rejected.

1. Don't use it for cash withdrawal as much as possible

Credit cards (debit cards) can't be used for cash withdrawal. Unless you need emergency, it's very, very urgent, otherwise you don't approve of cash withdrawal by credit cards. That handling fee and interest can't be hurt! Remember, credit cards (debit cards) are used for consumption, not for cash withdrawal!

11. Don't deposit money into a credit card (debit card)

Deposit money into a credit card (debit card) is called overpayment, and it is difficult to withdraw money by depositing money. Generally, a credit card (debit card) needs to pay a handling fee to withdraw overpayment, so don't deposit money into a credit card (debit card) unless necessary.

12. Is there a password for the credit card (debit card)? People have different opinions

Some people say that it feels like streaking without a password. So, do credit cards (debit cards) have passwords? Different people have different opinions. Generally speaking, credit cards (debit cards) are safer without passwords, but the key is to see if the bank provides you with card loss protection.

according to the consumption habits of China people, it is better to use the combination of signature and password to swipe your card. You should pay attention to developing good credit card habits in your daily life, protect your credit card (debit card) information, and report the loss in time once it is found, so as to avoid further losses.

13. Cleverly use the official WeChat of credit card (debit card) to run consumption reminders

Now, some credit cards (debit cards) can run consumption reminders immediately as long as they pay attention to the official WeChat of credit card (debit card) and bind the account number of credit card (debit card), such as China Merchants Bank, Guangfa, and consumption reminders are free and don't cost a penny.

◆ 19 card experience

1. The number of swipes per card is more than 5 times per week and more than 2 times per month. Reasonable monthly increase, 25-3 strokes per month is the best.

2. The amount of credit card swiping should be combined with large consumption. If it is trivial and small consumption, the bank will not treat you as a high-quality customer, and there are often large consumption to prove your consumption level.

3. Don't empty the credit line in an integer amount as soon as the billing date comes out. Basically, once it is emptied, it will be this time, and it will be immediately subject to bank risk control. And after March, the risk control is getting stricter and stricter, so don't die.

4. It is best to swipe 1-2 cards per day for a single card. Moreover, the same card should be swiped at least 3 hours apart, and different cards should be swiped at least 5 minutes apart.

5. It's best not to spend more than 5% of the total amount of cards at a time. Of course, if the amount is low, even if it's all real consumption, it's best not to brush up the amount centrally.

6. It is forbidden for anyone to check the balance on the pos machine before swiping the card. This is a proposition.

7. Don't swipe the same card more than 3 times a day.

8. Don't always use , 6, 8, 9 as the mantissa; Don't swipe the card with the same last three digits, for example, 23333; Don't be an integer, for example, 1; Don't be straight, for example, 5678.

9. It is best to swipe your card from 9: a.m. to 1: p.m., which is the business time of merchants. Try not to swipe your card at other times.

1. Occasionally by stages. Especially now, banks will take the initiative to call for installment, and many of them spend money to buy withdrawals, which can be divided into a small short-term installment, so that banks can also make a small profit.

11. Try not to empty your card as much as possible. Leave about 1%-2% so that the bank won't think you are short of money. Of course, if the credit card is already low, then tell the bank that the credit card (debit card) is not enough by swiping it.

12, as far as possible, choose the merchants with credit card points to spend.

13. If you are eligible for a temporary line, use the temporary line. The temporary line is about to expire, and the general bank will remind you whether to renew it for a while. Don't hesitate to renew it at this time. Except for the four major banks, it is generally easier to transfer the quota to a fixed one. Of course, remember the provisional quota rules, and don't get stuck.

14. If you fail to swipe your card once, don't try to swipe your card with a low amount again. Even if you succeed, the risk is too great, so you should know the remaining amount of the card in real time.

15. card use time: if the card is used for more than half a year, and there is a monthly transaction volume, and the repayment is made on time, the success rate of the basic limit is higher. The vast majority of banks can apply for the first mention after half a year, and then once every three months, so they must take the initiative to apply. Some banks can only be invited. When the phone calls, just ask for the amount.

16. consumption abroad is very helpful in raising the amount. If you can travel and shop abroad, you must bring your credit card (debit card) and swipe it hard. Moreover, there are too many overseas activities, and all kinds of cashbacks double the points, so it is easy to swipe your card again.

17. If you have spare money, make a deposit in the bank and buy a bank to manage money. Let the bank know that you have spare money to invest, and you will know more about your economic strength. This is the best way to limit the amount.

18. Don't pay in one lump sum and then brush it out in one lump sum. Especially on the repayment date, it is a big taboo to return it and brush it out at one time.

19. If you have done a lot and can't get the amount, it's time to try the freezing method, stop using it completely, or pretend to cancel the card.