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How to raise a credit card, what are the taboos?
There is a driver in our company who is a credit card enthusiast. He is already enthusiastic about the use of credit cards. At present, he has four credit cards from different banks, one of which has reached the maximum limit of 50,000, the other two are 30,000, and one is 25,000. He also keeps saying "how much more do you want when you are free". In fact, I know what he said is true, and his current quota is not enough for other purposes. First of all, as the person in charge of the company's driving class, he needs more than 10 million a month to recharge the fuel card, plus the maintenance of the car, and is responsible for some small purchases of the company.

In fact, every time the oil card is recharged, the company will give him a savings card, so why did he choose to recharge the oil card with his own credit card? In fact, it was just fun at first, in order to earn a little, but after a long time, Yu 'ebao became popular. He began to use his head. After recharging, go directly to the bank to take the recharged money out of the savings card given by the company and deposit it in your own balance treasure. At present, he fixed the repayment date of his credit card to the day when he recharged his oil card. This not only ensures that the money in the balance treasure is not used, but also will not affect the normal recharge of the oil card, and there will be no overdue problem. Through this operation, it means that there are always hundreds of thousands of money in his balance treasure that does not belong to him, earning the income of the balance treasure for him.

Of course, not everyone has the condition that he can withdraw the funds from the credit card directly as soon as possible, so we can't use his method directly. But as an ordinary consumer, how many credit cards are more appropriate? Personally, I think it is 1-3, because the current credit cards, especially those of some commercial banks, are generally around 10000, and it is not a big problem to mention around 20000 after a period of time.

First of all, let's talk about the situation of one piece, that is, the consumption is relatively small at ordinary times, and the quota of1-20,000 can fully meet the consumption needs of the whole family or themselves, so one piece is enough. In other words, you can have 1-20000 yuan of spare money for you every month. If you choose to put it in Yu 'ebao, you will get a net income of around 2 yuan every day.

If there are 2-3 sheets, the reason is the same as above, that is, the daily consumption of families or individuals is relatively large and the amount of funds used is relatively large. If 30,000-50,000 yuan is needed every month, then 30,000-50,000 yuan of interest-free funds can be used. I think if you make good use of it, a few hundred yuan of wool is still no problem. In fact, family consumption is unnecessary. A little girl in the office next door easily spends more than 10 thousand every month through purchasing.

Hello, Kayou.

Placard:

My understanding of raising a card is

Use the existing POS machine to swipe the card, simulate real consumption, continue to contribute profits, and try to fool the bank's risk control to achieve the ultimate goal of increasing the quota. Don't get me wrong, Lao Li is also a card friend with heavy debts.

The answer to the question of raising a card is relatively broad. How to raise cards and how to raise them well is actually not a concept.

1. Basic card:

Card friends summed up the 72 1 card lifting rule and the 25+3+ 1 card swiping method, all of which were good experiences.

2. Keep a good card:

Of course, we should proceed from our own reality, and our personal qualifications and circumstances are different.

There will definitely be a gap between a monthly salary of 8,000 employees of state-owned enterprises and a monthly salary of 500 employees.

I really want to keep good cards, and I really use my brain more.

Taboo:

From the perspective of using credit cards:

There are basically no taboos. Everyone is the same. It's nothing more than the experience I learned online. Most of these experiences are similar and have no reference significance.

Lao Li thinks the taboo is:

1. Don't fabricate false information to apply for a credit card.

2. Don't make online loans.

3. Don't have expired credit cards.

4. Don't apply for a credit card frequently.

After all, credit information is the most important part of card processing.

These are some of Lao Li's views. If there are any mistakes, please criticize and correct them.

The question is very direct, so I will give the answer directly according to the process:

2. Raising cards requires a variety of consumption patterns, that is, the types of merchants should be rich, such as consumption, entertainment and beauty. For credit cards, the monthly small amount and large amount are 20 small amounts, 5,000 yuan and more than 3,000 yuan respectively, which is arranged according to your credit card limit, because the small amount is basically 0.38, and the combination of the two can make the bank make money.

3. You can't swipe your credit card at one time, but at least 20-30% of the total amount must be left in the credit card. Remember to use it all the time and make a one-time repayment in time, which proves that the flow is rich. Use the bank card of this bank to enrich the account balance.

4. The number of credit cards should be controlled at about 5. Make a card with a high quota first, then cancel the low quota and apply for a high quota again. At present, banks generally apply according to the amount of existing bank cards as a reference.

5. If you have fixed assets such as cars and real estate, you can apply for related credit cards, and the amount will be much higher.

6, the right amount of appropriate staging, you can choose to start staging when you see the preferential rate. Generally, the rate of 0.3-0.5% can be staged and interact with the bank.

That's all for now. Please continue to add if you have any questions.

Make clear what a card is and why you should raise it. Usually, only when the card is empty, the card is lifted when the amount is raised. There is a difference between the two, and I have a personal experience of it-the amount is from. 1.2 million, and it became 430,000 in two years. The platinum card for business travel has reached its peak. If you don't change the diamond card, you won't be given a fixed amount, just a temporary amount. If you need to raise the card quantity, the merchants who brush should be of high quality and diversified, and you must never skip the code machine. Ensuring multi-platform machines and high-quality merchants will make banks make money-banks will give you more money. This is one of the conditions. Second, we should appropriately increase and reduce the amount of debt. Withdrawal means constantly asking the bank for a quota, including a temporary quota. Many times, the full amount will be praised on the billing day to reduce the total debt-let the bank know that you have money and let him rest assured to give you a line. If the card can also develop into a career, she can earn 20,000-30,000 yuan a month, and the lady next to me can also "work" after shopping.

Credit cards, card-keeping, cashing and pos machines often appear at the same time. And it is high frequency.

Credit card holders can generally use their credit cards within the validity period and limit.

As long as it is used normally and repaid on time, banks will generally increase the quota regularly, and will also give some temporary quotas from time to time to meet the needs of users.

Raising cards is often cash, which turns the credit card limit into ready-made cash. Raising a card is a derogatory term in itself, but now cardholders are under great pressure and spend a lot of money, so they use cards to raise cards and borrow new ones to return the old ones.

Normal use, diversified transactions, diversified industries and frequent use are still helpful to credit cards.

Cherish credit and standardize the use of cards.

Raising cards is an unavoidable problem for card friends. How to swipe your card and how much it is appropriate must simulate real consumption according to your daily life. When applying for a credit card, do you remember the annual income column? The consumption amount should at least meet the balance of payments. I say this to tell you that when you swipe your card, simulating real consumption is related to the credit card amount, the merchant who swipes the card, and the time when you swipe the card.

The following behaviors are easily controlled by wind power, so please avoid them in actual operation:

1. Brush off more than 70% of the quota at one stroke.

2. Don't brush out the repayment amount after repayment (the card has been empty for a long time).

3. The same card is traded multiple times at the same time.

4. Low frequency and high swipe card

5. Abnormal trading hours

6. Law of trading volume

Whether playing cards or raising cards, the credit cards normally used by cardholders shall prevail. If the cardholder maliciously swipes the card and is pegged by the bank's risk control, then the cardholder's card will be frozen and nothing can be played.

Therefore, it is recommended that friends pay more attention to the process of using the card. Don't let your card get into trouble because of an oversight. Everything has rules of the game, and it's not good when it's over.

What are the taboos for raising a credit card?

In fact, the biggest taboo is not to default on time.

Then the card should not be empty for a long time, nor should it be unused for a long time.

In fact, if you are really busy, all the above problems can be solved by Didi Ou.

Whether you want to raise a card or you are short of money and can't repay on time, you can try the following.

Take stock of 10 credit card methods that banks dislike most.

Credit cards have become

Necessities in our life.

Although many people often use credit cards

But how to use the card correctly is a blind spot for many people.

Proper use of credit cards can help increase the credit card limit.

However, the wrong way to use cards may lead to the reduction of cards.

If it is serious, it will destroy your credit information.

Next, let's talk about science.

The most taboo way for banks to swipe their cards

On the one hand, banks issue credit cards to make money, on the other hand, they also effectively promote the consumer market. The original intention is to stimulate consumption and make money by spending in advance with credit cards. If you often empty the quota at one time, it is obvious that this behavior is illegal to cash out, and banks cannot tolerate this behavior.

The existence of POS machine itself is a service and a credit card, so it can be used to swipe the card and check the balance. However, if you use POS to check the balance before swiping the card, the bank has already begun to suspect that there is a withdrawal.

There are two main points that are unrealistic: 1, and the amount of credit card is inconsistent with the time. Spend 10 thousand in KTV in the morning Is this the right way? In the afternoon 12, I swiped my card at the steamed bun shop for 200. Is the steamed stuffed bun shop open at night? (Therefore, it is suggested that card friends choose merchants according to the time range at that time. )

2. The credit card amount does not match the merchant. Still the same example. You can spend 200 yuan in the steamed stuffed bun shop, but do you think it is reasonable for you to spend 20,000 yuan?

It's not that banks don't allow large credit consumption, but we should also consider the actual situation, my friends. 12 thousand is fine, and 12 thousand can stand it. But it is impossible to buy things so skillfully every time. Is it because merchants with bad character don't give discounts?

Please don't repeat such questions. Fans often ask me why I can't, and it's not that I didn't give a handling fee. Why first: First of all, you can't spend money casually in this store every time you need to swipe your card, can you? Do you always use cash when you go to other places?

Secondly: a POS machine with multiple merchants. This machine is used for professional card maintenance. Although merchants are free to choose, there is a problem that is often overlooked. That's the pos code. Each payment company has a specific number. Even if you change merchants, your POS acquiring institution will not change. Although banks generally turn a blind eye to this situation, remember not to go too far.

The blame should be borne by the payment company: generally unknown payment companies will use low rates to attract users in order to seize the market. Many small white users don't understand industry rules, and some are greedy and cheap. I will use it as long as it is cheap, whether it is a washing machine or a secondary washing machine. I don't know that there is only one result to complete the payment at such a low rate: code skipping.

Senior card slaves may raise cards with cards, and various industry tips and tricks will come. Raising a card with a card can really alleviate the financial pressure, but if it is not handled properly, it is easy to fall into an infinite loop, so friends who plan to go ashore must have self-control.

I would like to remind card friends that staging can help raise the amount. That's right. The original intention of staging is to help users ease the financial pressure. If there is a problem with repayment, we must carefully consider how many stages are appropriate. Don't break your word. Divide it today and pay it back tomorrow.

Some card friends, after realizing that they want to increase the amount of their cards, feel that as long as they master some ways and means, they will suddenly swipe their cards crazily. I don't know. This behavior has long been seen by banks. Think about it. You have hardly used it before, and suddenly you quickly caught up with the routine of bank consumption. Is this possible?

Most card friends know that swiping cards abroad is very helpful to increase the quota. Because it symbolizes your spending power and social status. However, if you use an overseas POS machine to swipe your card, the positioning system of the POS machine will be monitored, or your usual swiping behavior shows that your economic ability can't be reached at all, then the problem is very big. Sister Hui's sharing today is over. Once again, advise all card friends to use cards scientifically, fit the reality and stay away from bank risk control.

How to use the credit card and how to raise it? I'll talk to you after a few steps

1. After holding a credit card, you can pay for daily shopping, eating, traveling, and even water, electricity, gas and other expenses. With a credit card, you can swipe your card directly, or you can use a credit card to bind WeChat, Alipay and UnionPay China UnionPay Express to pay.

Credit card spending can get a 20-50-day interest-free period, first spending, then repayment, spending can get points for many practical gifts.

When using a credit card, the consumer pays in full, but the merchant can only get part after deducting the handling fee, and most of the handling fee is given to the bank. Therefore, when a bank issues a credit card, it is equivalent to a credit loan and must be profitable. As long as you use it, the bank will make money.

Credit card is a very good financial product for daily use.

2. When it comes to raising cards, most of them require a lot of funds and the amount is not enough. I hope I can get an increased amount by raising a card, otherwise it will not be reduced.

I want to use the card reasonably and safely, and give you some advice.

Banks are not charitable organizations and need to make profits, so follow the following points:

Let the bank judge that you have spending power;

Frequent use is the key factor. For living expenses, credit cards are used, and cash or savings cards are never used. You can earn a handling fee every time you use the bank, so it likes you to use it often.

And less than 80% of the monthly amount can be used up and then returned. It shows that you have strong spending power and willingness.

Spending more money will make the bank judge that the credit line it lends will have great benefits.

2 let the bank judge that you are not short of money;

Credit cards have two key dates that must be kept in mind, the billing date and the repayment date. If repayment is made before the bill date, the bill is less than or zero; After the bill comes out, you can repay it one after another, and the amount will be paid immediately. But it's not good to wait until the repayment date is coming and spend it immediately. It's like someone lends you money, promises to pay you back, and doesn't pay it back in the end, but borrows it just after paying it back. Do you like it? I certainly don't like it, so banks don't like this kind of behavior, and they will think that you are short of money and your repayment ability is not high, so it is difficult to reduce or increase the quota.

Timely repayment will make the bank believe that the funds placed with you are safe.

Frequent consumption, timely repayment, the bank has money to earn, and the funds are safe. Cardholder banks like it best.