Today I will introduce to you some aspects of credit card bill optimization, which can help us increase the limit of our credit card. In order to create a perfect credit card bill, you can start from the following aspects:

1. Maintain a certain frequency of card swiping

Never use credit cards where you can pay. Other payment methods. Maintaining a certain frequency of credit card swiping is the basis for creating a perfect credit card statement. It is recommended that everyone maintain a card swiping frequency of more than 10 times per month.

2. Maintain the small-amount and multiple-transaction card swiping mode

It is not enough to rely solely on cardholders to only swipe large amounts or only small amounts. If you spend a large amount, you will easily be suspected of cashing out, and if you spend a small amount, you will be labeled as having insufficient spending power. Both of these are not conducive to creating a perfect bill. The most correct way to swipe your credit card is to swipe small amounts, multiple large amounts, and at the same time.

3. Adhere to the principle of diversification

Adhere to the principle of diversification, focus on daily necessities, food, housing and transportation, and use cards for as wide a range of purchases as possible. In addition, consumption channels must be diversified, both online and offline.

4. The credit card swiping time must match the merchant’s business hours

That is, the card swiping time must be used during the merchant’s normal business hours. It is easy for risk control personnel to swipe credit cards during abnormal business hours and regard it as illegal cash-out. At that time, let alone using credit cards, it may cause trouble for the credit card.