Card swiping skills:
1. Remember your billing date and repayment date.
For example, if the 20th of each month is your bill date, the 5th of next month is the repayment date. You1spent 65438 from October 20 to February 20, and paid it back before March 5, and so on, so this is what the bank calls the shortest 15 and the longest 50 days interest-free repayment. If the repayment is not made in full before the repayment date, the interest will be calculated from the settlement date of each consumer, generally speaking, from the credit card date, not from the repayment date.
2. Pay attention to safety when swiping the card
At present, the People's Bank of China strictly checks the cashing behavior of credit cards, so some credit card POS machines that provide cashing services are blacklisted by the People's Bank of China. If you use a credit card, even if it is not cashed out, it will be recorded as cashed out, which will affect your credit history.
3. Ensure the number of swipes.
Ensure that the number of swipes per month is above 10, and the amount will not be too large. The key point is that if the frequency is high, the bank will think that you need this credit card more, and the card utilization rate is high, and the bank will focus on increasing the quota of these people.
4. There are various credit card merchants.
Don't always swipe your card at the same merchant. This will not only make the bank feel that we are suspected of cashing out, but also make the bank feel that our credit card scope is not wide. In this way, it is difficult for banks to receive interest from merchants, and naturally we can't increase the quota. So it will be very helpful for us to have as many merchants swipe their cards as possible.
5. The credit card amount cannot be too large.
As I said before, the number of brushes and the amount of brushes are actually equally important. If you brush a small amount every time, less than a few hundred dollars, it will be even more difficult to raise the amount.