You can use your credit card to swipe the card at the POS machine to complete the consumption. According to many people's conventional thinking, they use a credit card to swipe the card at the POS machine, but now banks have stricter risk controls. It is best not to swipe more than 3 cards at the POS machine every day, and the time periods should be staggered. You cannot operate all 3 cards on one POS machine. The most important thing is not to swipe cards at the same type of merchants, otherwise risk control may occur.

If you use a POS machine to quickly swipe 6 pens, the risk will be even greater. It is better to use other methods such as online shopping. Many banks also count card swipes for online payments. You can bind your credit card on apps such as JD.com, Taobao, and Meituan, and then conduct transactions. In addition, online shopping with credit cards is not subject to geographical restrictions, and the requirements for the number of card swipes are not so strict. It's easier to brush six times a day. However, credit card online payments do not necessarily have points. Some banks may have points, some may not. You need to consult the customer service of the issuing bank before trading.

1. Once you have to pay attention, whether you use POS or online payment, you usually swipe the credit card the next day after swiping it 6 times. If the card consumption reaches the standard on the billing day of the next month, the annual fee will not be deducted. If you don't want to use the card, you can keep it and set it aside after swiping it during the annual cycle. Credit card online payment and POS card swiping are the cumulative number of card swiping times. Even 1 minute of online payment is a cumulative number. Credit card cash withdrawal: Credit card overdraft cash withdrawal: A Service fee: It depends on the regulations of each bank. For example, the service fee for Ping An credit card cash withdrawal is 2.5%, with a minimum of 25 yuan/transaction; China Construction Bank's domestic credit card charges 0.5% of the cash withdrawal amount, with a minimum of 2 yuan/transaction , up to 100 yuan/transaction; China Merchants Bank domestic credit card charges are 1% of the cash withdrawal amount, with a minimum of 10 yuan/transaction. B Interest: Calculated at 0.05% of the daily interest rate.

2. Withdrawal of cash by credit card overpayment: Some banks need to charge handling fees, while others do not. For example, China Merchants Bank’s handling fee is 0.5% of the amount recovered, with a minimum fee of 5 yuan or 1 US dollar. POS card consumption: repay in full and on time without interest; the minimum on-time repayment is charged 0.05% of the daily interest; for overdue repayment, in addition to the above interest, there is also a late fee. Number of purchases The number of credit card purchases is the basis for creating a perfect credit card statement. Using multiple cards and spending more is also the original intention of banks to issue credit cards to customers. Therefore, the optimal number of purchases with a credit card in a billing cycle is at least 10 times.

3. Consumption amount The consumption amount of credit card is the most important thing to pay attention to. For large amounts of consumption, banks will generally suspect you of arbitrage, which puts your credit card at risk. The total consumption is generally controlled at about 80% of the credit card limit. Heavy consumption once or twice a month is acceptable. Consumption categories Consumption must be diversified. Best to eat, drink and have fun. Furthermore, it cannot be consumed only by offline businesses. There should also be several online purchases. Combining online and offline services makes it easier to create the perfect bill. Consumption Behavior Habits Consumption habits are to consume every morning, noon and evening, but if you consume in the middle of the night, the bank will either think that you are operating the card or cashing out. Normal consumption hours are from 6 am to 8 pm. Times may be delayed on weekends and holidays.