Examples of credit card maintenance tips are as follows:

1. Credit card swiping

1. The amount of a single swipe should not be too high. It is best if the amount of a single card payment does not exceed 5,000 yuan. If it is really necessary, it is best not to exceed 10,000 yuan.

2. Don’t spend too much money at the same merchant on the same day, whether it’s the number of times you swipe your card or the amount you swipe.

3. Don’t swipe your card in integers. Try not to swipe your card in integers for a single transaction. It’s best to avoid amounts like 3000 and 4000.

4. Moderate small-amount double-free card swiping, such as "small-amount double free", "Cloud Quick Pass" and other methods, indeed have very low handling fees, but the bank's profit from card swiping is also less.

5. Try not to swipe cards on the same device. This refers to the POS device, not the merchant.

6. Increase the number of credit card swipes every month, and try to keep the number of swipes on a single credit card to about 10 times per month.

7. Plan your funds in advance. If there is an expenditure of 10,000 yuan in 10 days, you can divide it into 10 days, 1,000 yuan per day, and then use different credit cards to pay for it.

8. Swipe your card within a reasonable time period, and try to swipe your card between 9 a.m. and 10 p.m. After all, this period is the business hours of most merchants.

9. When swiping the same credit card at the same POS machine, the interval should be more than half an hour to avoid unreasonable credit card swiping locations due to random changes in POS merchants.

2. Daily card use

1. Maintain real and diversified consumption. From shopping malls to supermarkets, hotels, entertainment, restaurants, various online platforms, online shopping, takeout, payment of phone bills, electricity bills, etc. all insist on using credit cards, and the amount ranges from a few yuan to hundreds of yuan.

2. Actively participate in bank activities, such as the bank's various rush purchases, card swiping, and preferential purchase activities, and you can also enrich transaction types.

3. Choose installments reasonably. Installment does not mean that it cannot be done, but it must be done selectively. For some installments with very low rates, we can choose to repay in installments.

4. Repay on time and don’t overdue. This is also the most important thing. You must keep in mind your credit card bill and the final payment date, and try not to overdue. If there is a short-term overdue repayment, you should call customer service as soon as possible after repaying the debt in time, explain the reasons, and try not to record the overdue payment.

3. Other aspects

1. Do not frequently apply for credit cards and loans in the short term. Frequent application for credit cards and loans will affect the number of our credit inquiries, which will in turn lead to being used by credit cards. The cardholder bank found out through post-loan management and believed that our cardholder has been short of funds recently.

2. Do not click on any unknown links.

3. Don’t lend your own credit card, and don’t borrow someone else’s credit card.