1。 The maintenance he said is to make false transactions on POS machines to get cash, but there is a handling fee for this. The general handling fee is between 1%- 1.5%.

2。 You separate the billing dates of the three cards, and set the billing date of 1 card every 10 days, for example 1,1,2 1. (CITIC Bank cannot modify the billing date)

3。 The billing dates of the three cards are staggered, and the corresponding repayment dates are also staggered, which is convenient for repayment processing.

4。 Press 2 above. You can use your credit card to the maximum. But it depends on your repayment ability. If the repayment ability is limited, please refer to 1.

5。 According to 1, you will always have about 5,000 yuan of spare money to use, and the credit card will quickly increase the limit because you have a large amount of consumption every month. The side effect is that if the bank finds out, the funds in your account will be frozen.