Card swiping skills when swiping a card.
Credit cards are swiped at the same time. There are almost several bank cards at present. For users with multiple credit cards, it is necessary to use each card reasonably. There are also many skills when using credit cards. Let's learn more about the skills of swiping credit cards at the same time.
Card swiping skills 1
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 "setting up first". 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 amounts of credit cards, 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.
Card swiping skills when returning credit cards II.
How long does it take to swipe a credit card?
There is no clear stipulation on the repayment time of credit card, but considering that the bank card will arrive the next day after swiping the card, it is recommended to repay it the next day, paying attention to the repayment amount, which must not be the same as the credit card amount, and try to repay it as much as possible.
When returning the credit card, you also need to consider the cost. For example, many banks' mobile banking can repay for free, but the same card can only repay for up to 3 times, which is subject to bank regulations.
Points for attention in returning credit cards when swiping cards.
1. Don't return it on the same day. It's best to return it once every two days. The amount of each credit card should not be too close to the repayment amount, and the physical time can be allocated from the account opening date to the repayment date;
2. Try to use merchants with credit cards when swiping cards, and don't swipe cards frequently on the same POS machine or merchants of the same type to maintain the diversification of consumer merchants;
3. You must swipe your card during the normal business hours of the merchant, and the amount of swiping your card must be the same as that of the merchant. Suitable for mass merchants from 8 am to 9 pm.
4. If possible, try to save the receipt signed by the POS machine.
Will the credit card be reduced when you swipe your card?
1. It will be brushed out on the same day after repayment. The repayment amount is similar to the consumption amount. For example, if you repay 1000, you can swipe your card at once on the same day or the next day 1000. The card merchant and the consumption amount are different. For example, brushing a small supermarket, brushing 1000 yuan is problematic.
2. The card swiping time is not within the normal business hours of merchants. For example, you can swipe your card at a small supermarket or clothing store at 5-6 in the morning, or you can swipe your card at night. Even if your credit card limit matches the merchant, it is easy to be controlled by the bank.
In short, whether the credit card will decrease when swiping is mainly related to the cardholder's swiping behavior. I suggest that you must develop good card use behavior so that credit cards can be used for a long time. Otherwise, if it is illegally used, the reduction of the quota is still a trivial matter, and the card is not worth the candle.
Credit card tip when swiping a card 3
Can I pay back the money at the same time with my credit card? Will it have any effect?
Do this before the billing date: If this type of user does this, the credit card limit may not be enough. After you often do this, there is a high probability that customer service MM will call you and ask you why you pay back while spending, and then you say that the limit is not enough, and the bank will manually re-examine your information and increase your credit card limit.
After the billing date and before the final repayment date: This kind of users are likely to reverse their cards, that is, they don't have enough funds on hand to pay off their credit cards at one time, so they brush them out and brush them repeatedly. Since 18, such users have been marked and risk controlled by the banking system. More than 90% of them are obviously resource-hungry users and belong to high-risk users, so it is only a matter of time before this operation will definitely close the card and reduce the quota.
Credit cards have two dates: one is the billing date and the other is the repayment date. The credit card bill is generated in a single day, representing the details of the first bill. So, you pay back the amount of the last bill. According to the regulations of the bank, it can be repaid in multiple installments, as long as the bill amount is paid off before the repayment date.
After repayment, the part that is consumed again is included in the next bill. Just be careful, don't pay back, brush it out right away. In order to avoid suspicion, the amount returned should be divided into two or three brushes, and the consumption types should be as many as possible. It's okay to pay attention to this.
If the credit card limit is not enough, you can save it before spending. However, it is not recommended to repay immediately after consumption, just like wanting to pay off in one lump sum after installment. Although it doesn't matter if you can do this, it is also a violation of the agreement and is not conducive to maximizing interests. Credit card repayment is a debt that has been booked. The consumption amount will be recorded in the next journal before repayment is required.
Does it matter if you pay once by credit card?
Paying off the credit card will have an impact. It is not feasible to simply brush a sum of money, because most credit card users are mainly people who are short of money. For such users, it is impossible to repay immediately after swiping the card. For friends who want to raise credit cards, such consumption behavior can not achieve the purpose of raising cards, and even have the opposite effect. Most people don't spend and repay at the same time, which is easy to leave a bad impression on banks. There are opportunities to increase quotas, but there are risks to reduce quotas. Moreover, once the quota is reduced, it is difficult to increase it. So do it, cherish it, and don't be smart.
First, the credit card limit is approved by the bank. Within this limit, as long as you are not overdue, no matter how you use it, no matter when you use it, whether it is large or small, as long as you are not overdue, there is no problem within this range. Quota is a judgment of a person's qualification. Since the bank gives you so much credit, it means that the bank recognizes your qualifications. As for how to use it, that's your business.
Second, in addition, banks want to make money through credit cards, of course, hoping for long-term benefits. This requires users to swipe their cards repeatedly, which will bring more benefits. If the credit card is not recycled, the bank's income will not last long. So what the bank needs is that you can pay back at the same time, which not only proves that you have the strength to repay, but also represents that you have the strength to spend. There is only one situation that has been stuck on the reasonable edge, and that is to recover pos repayment.
Third, according to the truth, as long as you pay the rate, the bank will not care if you use the pos machine to swipe your card, but there will always be some unscrupulous merchants who let the pos machine skip the code and get the benefits that should belong to the bank. In this case, even if it is not overdue, it will bring a lot of trouble. Because the pos machine you use has already involved the interests of the bank, the credit card will create benefits for you, and the interests of the bank will be "robbed", and your credit card will definitely be difficult.
Four, in daily life, everyone's consumption bill, it is best to pay the bill every month, and it is best to have more than three days from the repayment date to achieve the best effect. For the usual card swiping behavior, we should also try to keep the combination of size and amount, supplemented by small amount, and keep the total monthly card swiping amount at about 80% of the card amount. As far as possible, the types of consumer merchants are mainly white-listed merchants in banks, and they can also accumulate points for various gifts. However, everyone should pay attention to their credit card limit, and remember not to have integer values, such as 5000, 1000, etc. The consumption of this value is easily controlled by banks, and even leads to card degradation.
Is it better to pay by credit card installment or by credit card?
It's definitely better to pay by credit card. The normal interest rate of regular POS machines is 0.6, and the interest-free period is 50-56 days. Then you can calculate the installment fee, which is also the turnover of100000. You see, there are too many turnover times a year, and you have to pay back the principal and handling fee every period, which is equivalent to your annual 10W money is not enough. In the end, it may cost 20,000 to 30,000 yuan, but it will still cost 10,000 yuan. Credit card installment cannot be used as a long-term cycle. The credit card smart repayment APP can directly help us repay in full, which is very convenient. Repayment can be made without manual credit card swiping. It only needs to be set up once a month, and the handling fee is only 65438+ 10000 yuan. It completely eliminates the cumbersome manual card reversal and automatically plans repayment. Consumer merchants are all standard rate merchants and there is no difference between using POS machines, which can avoid the risk of manual card reversal being controlled by the wind.
Credit card is a way of saying that credit card is invalid. It is very troublesome to say that banks can't earn any interest by installment with credit card. In fact, one advantage is that credit cards are controlled by bank risks. After all, credit cards can be used for general consumption, and the repayment time is too long and there is no economic pressure. Moreover, credit cards are also a large digital record, so credit card consumption can be carried out in stages.
Credit cards don't need installment, so there are many people who use them, and the repayment pressure is not great. However, it is useless to apply for a credit card several times occasionally, because credit cards can be used for repayment, and it is not convenient in the process of use. Once you forget to return the credit card, it is inconvenient, but occasionally it will help you withdraw the amount of the credit card several times. You will naturally do it properly, and you can use staging. However, this installment payment by credit card requires a handling fee. Not only do you have to apply for some handling fees, but you will also charge interest, which is easy to generate additional fees.
Credit card installment: credit card installment can only alleviate short-term financial shortage in a short time, and it is difficult to pay it off at one time. It can greatly reduce the repayment pressure in a short time, and there is no installment fee, so credit card installment can only alleviate the pressure of++in a short time, thus alleviating their repayment pressure, which is suitable for everyone to repay in installments for a long time. Credit card installment and annual credit card fee: 1. Credit card installment Under normal circumstances, the types of credit cards launched by banks cannot purchase goods in installments. Compared with the credit card bill of China Merchants Bank, it means that there is no installment fee and a handling fee is required. For the credit card of China Merchants Bank, according to the different cards used by the author, the different rates are comprehensively evaluated. The higher the credit card level, the higher the rate. Therefore, different card types cannot enjoy credit card and credit card installment discount at the same time, so when choosing a credit card, it must be suitable for your own situation. 2. Credit card installment requires the cardholder's personal credit limit, so many banks will have time limit. For example, the credit card limit ranges from 30 thousand yuan to 50 thousand yuan.
How to return the credit card?
Credit cards have a fixed repayment date every month, and cardholders need to repay on this date at the latest. There are many ways to repay credit cards: 1, which is bound to a savings card and automatically deducted when it expires; 2. Use the bank's APP for self-service repayment; 3. Use the repayment channel of UnionPay or a third-party platform to operate repayment; 4, bank outlets, self-service equipment, customer service hotline, etc. You can also make credit card repayment.
If your credit card limit is not enough, you can consider using big brand credit products such as Alipay, Tencent Microfinance, Xiaoman Finance and Qianhua. Qianhua is a credit brand owned by Xiaoman Finance, which provides users with safe, convenient, unsecured and unsecured credit services and borrows money to Xiaoman Financial APP.
Xiaoman Finance will earnestly implement the call of the state to support small and micro enterprises to tide over the difficulties. Its credit service brand has the money to fully support small and micro production and operation, and Xiaoman Finance is the first choice for most small and micro owners. It is reported that 70% of credit users of Xiaoman Finance are small and micro business owners. Up to now, Du Xiaoman Finance has joined hands with dozens of financial partners to issue hundreds of billions of loans to small and micro business owners.
This answer is provided by Kangbo Finance, focusing on the interpretation of financial hot events, the popularization of financial knowledge, the pursuit of professionalism and interest, so that the financial content that the people can understand can convey financial value in vivid and diverse ways. I hope this answer is helpful to you.
Pay back the credit card with a credit card
Can I repay my credit card?
1. Credit card can repay, but this operation is risky. Although there is no explicit prohibition that credit cards cannot be returned to each other, if cardholders are not well managed, it will have a great impact on their credit information. Therefore, even if the issuing bank does not clearly stipulate, it is very undesirable to return the credit card to the credit card.
2. It should be noted that once one of the cardholders fails to repay the other credit card on time, the invalid credit card will generate overdue interest and liquidated damages, thus affecting personal credit. To sum up, the credit card can be returned, but there are many problems in the subsequent traction. In short, most people who choose to withdraw cash do not know that the harm of credit card withdrawal is great. However, expired credit cards have many effects on cardholders.
Extended data:
Is it illegal to keep a credit card?
1. The behavior of "raising a card" is illegal and may even constitute a crime. Raising a card means that after the credit card is overdrawn and a certain handling fee is paid, the "cardholder" pays the overdraft fee first and uses the credit card to make false consumption on the self-provided POS machine. Under normal circumstances, the principle of keeping a card by card is to stagger the repayment dates of several credit cards. Before the repayment period, the first credit card is used for daily consumption, the second credit card is used for overdraft, and the debt of the first credit card should also be paid. By analogy, several credit cards are overdrawn in turn.
2. Keeping a card is illegal and may even constitute a crime. Cardholders who "support their cards with cards" are only confused by the sudden cash flow, but ignore the subsequent circulating interest and the possible penalty interest for late fees. As a result, owing money has become a customer on the bank's credit blacklist, which makes the cardholder lose more than he gains, and also faces the risk of credit crisis, which is seriously suspected of++crime.
3. it is very undesirable to raise cards with cards. At present, a considerable number of cardholders can't make rational consumption, and because of the relaxation of bidding conditions, some cardholders don't even consider their repayment ability at all, just blindly handle cards when they see the immediate interests, which has buried many hidden dangers for the future.
Will you go to jail if you don't return your credit card?
1, I won't go to jail if I owe my bank credit card.
2. According to the law, if the overdraft amount of a credit card is more than 50,000 yuan, and it is not paid back for more than three months after being collected by the bank twice, it can constitute a credit card++crime, and criminal responsibility shall be investigated according to law.
Brush back and forth skills of credit card repayment
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 amounts of credit cards, 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 reverse repayment, commonly known as "keeping a card with a card", can help you solve your urgent needs when you are in a++predicament, 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 about 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, and you can't repay the loan with a single card cycle. Second, don't use it frequently, but only occasionally when+++is difficult to avoid being 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.
For the introduction of credit card return, this is enough.