Zero bill refers to the fact that the debit on the billing date of the credit card is , that is, the "current bill" sent to you by the bank shows that the "payable amount in this period" is .

operation method:

according to the time regulation of recording repayment in different banks, all the "unbilled bills" in this period can be repaid before the time of recording repayment.

If you follow the map and make mistakes, don't come to me:

This form is so difficult to remember, it's too much trouble.

so I used a simple and rude method: I paid the loan in full before 2: a day in advance, without having to record the details of a certain bank separately.

Main purpose:

There are two aspects:

1. The credit card bill is , which means that the credit record submitted by the banks to the People's Bank of China shows "the repayment amount is ", which, on the whole, reduces the liabilities.

2. Repayment can be made before the bill date. For some banks, it is regarded as a quality customer with low overdue risk.

both the fixed and temporary quotas of high-quality customers will have loose credit policies and loose risk control policies.

(The current experience: Guangfa, Xingye, Shanghai Pudong Development Bank, CITIC and Ping An all have good effects)

Main disadvantages:

The speed of capital turnover is increased, and the interest-free period actually used is shortened, which means that the cost of capital is increased.

Common meaning:

Some banks regard prepayment as a high-quality customer, so they will increase their quota quickly. After operating the bill for several months, the amount of holding the bank card will be effectively improved.

whoever uses it knows.

The ultimate meaning:

If I am the credit card auditing department, I see that all your bank credit cards are "zero bills".

then I think to a great extent: if I issue you a credit card, the risk of overdue is very low, and the nuclear card is safe.

However, if you are given a credit card, according to your credit report, you basically don't use credit cards, and your willingness to use credit cards is weak? Then it should be enough for me to give you a lower quota.

you can't finish the 1, quota, so it's a waste! Waste! Waste!

Banks issue credit cards in the hope that you will spend money, not look good.

so, how can we make the audit department think that the card issuing safety factor is high and that you will have a good consumption intention if you send it to you?

in other words, what should you do to show that your debt ratio is low and your consumption level is high?

the answer is: only about 8% of the cards with the largest amount are billed, and all the other cards are billed at zero.

Proved by jingle:

Take only one card when you go out, and use it whenever you can.

if you give me a large card, I will only take it when I go out.

You can ask people around you who are not in the collar if this is their consumption habit.

bingo, this is the customer base that banks need.

Main uses:

1. For the consideration of handling mortgage or other loans, the zero bill for three to six months is conducive to the approval of loans.

2. For the sake of handling large credit cards, we always keep the bill of +8% for large credit cards, which is helpful for issuing high-value credit cards.