With economic development, the use of credit cards is becoming more and more common. Many people are using the "card-to-card method" to use the credit card repayment cycle for capital turnover, and use the method of swiping the card at the same time to make general repayments. Today, Teacher Menghua will share with you that if we use our credit card to repay in this way, will it affect our limit increase?
Under normal circumstances, the bank does not care too much about the repayment method we adopt, as long as we repay on time. Just don't use the card illegally, such as cashing out or other unreasonable credit card use.
Then we should pay attention to these points when we use the card to repay while swiping it. Card friends can learn about it.
Point 1. You can repay as much as you are prohibited from paying.
When we repay the loan, we should not repay 2,000 and then withdraw 2,000. This will easily cause the bank to suspect that you are cashing out and risk control. Therefore, cardholders must remember not to pay back as much as they can use, and the repayment amount should not be the same as the amount used on the card.
Point 2: Don’t repay a large amount and then withdraw a large amount.
We must remember not to repay the money in a large amount and then withdraw it in a large amount. This is the same as The arbitrage behavior is almost uniform, so never do it in one channel. After we can repay a large amount, we need to swipe the card in multiple transactions. The amount of each swipe should not be too high. The interval between credit card swipes is about 1 hour. A card should not be swiped more than 3 times on the same day.
Point 3. Remember not to use the fast-in and fast-out method to swipe your card.
Cardholders must not swipe the money out immediately after repayment. This will very "hurt" the credit card. , it is easy to be controlled by risk.
Point 4: Try to avoid repaying and swiping the card at the same time every day
Do not repay and swipe the card regularly at the same time every day. If it is fixed at a certain time period, If there is a pattern, then wait to be risk controlled by the bank.
Point 5: Don’t swipe your card often with integers or numbers with 6.8.9 at the end
Generally, swiping cards are irregular, so don’t swipe often with integers or numbers with 6.8.9 at the end. number.
Point 6: Don’t swipe your card at a time that is inconsistent with the business hours
Take the example that Teacher Menghua often gives: if the merchant you swipe your card to pay for in the middle of the night is a breakfast shop, it will definitely be Banks target bad use of credit cards.
Point 7: Don’t be cheap and use discounted POS machines.
Many card friends say that the POS machine rates are high. I like to use discounted ones. In fact, POS machines are merchants with standard rates of 0.6, preferential rates of 0.38 and public welfare merchants of 0. If you often use the preferential rates for public welfare, it has seriously harmed the interests of the bank. Then the card will be blocked by the bank's risk control. For sure.
Card friends should pay attention to these 7 points that are not conducive to the use of credit cards and affect the credit card limit increase behavior. This method of swiping the card while repaying it does not actually affect the limit increase. The main thing is that cardholders should pay attention to avoid the bad behavior of swiping the card.