If you have legitimate reasons to think that the bank should not ask you for an invoice, then you can ignore him or even not use his credit card, or you can file a lawsuit in court.

If the bank discovers that you are suspected of using your credit card in violation of regulations, the bank may require you to issue an invoice. If you do not provide an invoice without a valid reason, the bank has the right to limit the use of your credit card based on your credit card usage, such as lowering the limit, etc.

For those who use credit cards, don’t use credit cards in violation of the regulations, and don’t take chances and think the bank won’t see it.

Credit card usage:

1. Don’t be overdue

Repay in full and on time: This is very important and must be repaid safely. Paying back in full is part of your ability to repay. Repay in full as much as possible, conditions permitting. If the repayment cannot be made in full, the minimum repayment amount must be used. You can also call your bank. Generally speaking, it may be delayed for 3 days, and you must do your best to pay it off within 3 days. The reason for putting this condition in the first place is that the prerequisite for credit card withdrawal is that you have good credit. If you're frequently overdue, don't talk about raising the amount. The methods we will discuss below are also of no reference value. It will also extend the speed of credit card withdrawals. Therefore, if you want to increase the amount, you must repay the loan on time. Don't overdue, otherwise you will have a bad credit record and have a serious impact on the cardholder.

2. Frequent use of credit cards

High frequency: Develop the habit of swiping your credit card anytime and anywhere. Use your credit card more often, swipe your card more often. As long as you can swipe your card in your life, if you swipe your card frequently, you will be recognized as a potential customer by the bank. When buying cigarettes and drinks, you can swipe your card wherever you can. The more you swipe, the more you swipe, which means that your credit card has rich types, good liquidity, easy to raise money, and difficult to control risks. The purpose of the bank giving you a credit card is not to do charity, but to make money. Every credit card you use can bring profits to the bank, so you should always use your credit card to spend money and use it wherever you can. However, when you swipe, you have to pay attention to certain skills. Don’t buy several things repeatedly, use multiple consumption methods and increase the variety of consumer products.

3. The credit card amount should be consistent with your usual spending habits

If the number of credit card swipes is usually around dozens of times, and a large number of tens of thousands of card swipes suddenly appears, it is easy to be at risk. control. Different amounts are swiped out every month, hundreds, thousands or tens of thousands.

4. Try to use points to swipe POS machines

In this way, banks can make money. Sometimes if you know that you are now, you will turn a blind eye. Do not use public welfare or agriculture.

5. Occasionally apply for credit card installment payments

Currently, banks are actively promoting the credit card installment business, so occasional installment payments can help you increase your limit. Occasionally spend more than 3,000, and then set up installment payments to make money for the bank, making the bank think that your high-quality customers can easily increase the amount.

Sixth, the store needs to exchange goods

Try to choose a different store when swiping. The same merchant can swipe 4 to 5 times at different times a month, so don't worry. Cover these merchants with multiple swipes.

7. Control credit card usage between 70 and 90 per month

The credit card overdraft limit cannot be too high or too low. If it is too low, the bank will think you have no spending power, and the bank will think you are too risky, so it is most appropriate to control the monthly overdraft limit at 70-90.

9. Frequent large-scale consumption

Don’t spend tens or hundreds every time. Then the bank will think that you have no spending power, so you often use some large-scale consumption. In this way, you will have a certain amount of spending power, so you can actively increase the amount. Although you may not have big consumer expenses often, you can help friends, colleagues or units swipe their cards.

For example, if your company wants to buy a large piece of equipment, household appliances, furniture, etc., you can help swipe the card and then ask your company or colleagues for reimbursement.