When buying a car, you can pay with two bank cards at the same time. If the money on a bank card is not enough or the limit is not enough, you can pay it in several cards. Frequent payment by credit card is also conducive to the increase of credit card limit.

The amount of any credit card depends on the effective income provided by the individual during the application process and the value of the asset guarantee. The credit limit of a credit card is positively related to the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit. Therefore, the applicant must provide proof of income, provident fund social security and asset guarantee statement. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.

Credit card use skills:

Repay in full to avoid cyclic interest.

Although banks emphasize the interest-free period when promoting credit cards, most people are not very clear about the rules of interest-free period, thus spending a lot of money. For example, during the Spring Festival, Xiao Zhang bought a new mobile phone and swiped 4,000 yuan with a credit card. At the time of repayment, there was only 3999.7 yuan in the account. After the bank deducted money, Xiao Zhang still owed the bank 0.3 yuan. Maybe this is nothing in real life, but banks don't think so. Consumers have to pay interest if they fail to repay in full, and they do not enjoy the interest-free period (daily interest = the remaining unpaid amount of the day * interest rate). It is recommended that you pay in full when you repay, so as not to cause greater losses.

Temporarily increase the credit limit and avoid credit card off the charts.

In fact, every credit card has a hidden limit. When you swipe your credit card, it is easy to use the over-limit amount, and once you use the over-limit amount, it means paying a high over-limit fee. Many consumers have a bad grasp in the process of shopping, and credit cards are often maxed out. I suggest you apply to the bank in advance to increase the temporary limit, which will not only avoid the explosion of credit cards, but also increase the credit limit.

The minimum repayment amount must be paid in full to avoid late fees.

In our daily life, we often encounter the situation that the capital turnover is ineffective. At this time, you can choose the minimum repayment limit to repay, which can ensure that your personal credit record will not be affected, and there will not be too many late fees. However, we should pay special attention to the fact that the minimum repayment amount must be paid in full, otherwise we will encounter a high late payment fee.