CITIC Bank’s credit cards are not bad.

Tips for maintaining a card

1. Use at least 30% of the credit limit every month, and the type of credit card swiping should be detailed, ranging from home decoration, large shopping, etc. to electricity bills and phone bills. For payment, etc., use as many credit cards as you can think of and pay back the money during the interest-free repayment period. Only in this way will the bank think that you have sufficient spending power and needs.

2. If the money you swipe your card cannot be repaid in one go, avoid late repayment. This will leave a very bad impression on the bank. The best way is to apply for installment repayment of the bill. This is not the case. Interest is calculated, but there are handling fees. The purpose of bill installment is to give the bank a little sweetness. If you have money to earn it, it will certainly give you a good record (a good record here means that you use the card frequently and do not overdue, which is very important for credit cards). Maintaining a card is very important).

3. Apply for a quota increase from time to time. This step can only be done after you have ensured the first two steps. If you rarely swipe your card and have it overdue, it is almost impossible for the bank to increase your credit limit, and you will have to spend more time maintaining your card.

4. It is recommended to obtain a complete and detailed credit card evaluation report through public platforms such as card evaluation, which includes the cardholder’s consumption index, consumption record, consumption amount, consumption frequency, consumption period, With consumption area, overseas consumption and other information, you can not only understand your consumption records, but also score your credit card usage and calculate your risk index and limit increase probability to help you better optimize your personal qualifications and improve your credit card usage. Overall credit card score.

Reminder: Credit card maintenance is a process that requires time and patience. Do not trust some "card maintenance" companies easily. Either the fees are expensive, or most of them are suspected of fraud. In order to use the card safely, it is best to use your own method to maintain the card.