1. High-end consumer industries try to swipe their cards across banks.

2. Multi-frequency swipe card 25+3+ 1, "25" means to swipe at least 25 small amounts from the previous billing date to the next billing date, and the more the better; "3" means that three large sums have been paid from the last billing date to the next billing date; "1" means swiping the card once from the previous billing date to the next billing date.

3. Buy some small installment wealth management products appropriately, not more than 6 months.

4. Credit card security. Use a credit card machine with a standard rate, and never use a credit card machine without points. If the bank can't make money, it can't raise the amount.

5. Ensure that the account amount on the day before the billing date is not less than 20%, which means that the debt ratio cannot be too high.

6. Appropriate small installments, no more than 6 months.

7. Simulating daily consumption, 9: 00 am to 9: 00 pm is a reasonable time to swipe your card.

8. It is forbidden to brush out a large amount on the repayment date, and also pay a large amount (now suspected). Pay more attention to swiping cards and swiping cards in multiple industries.