Why do some people use credit cards for several years, but their credit limit is still the initial limit of several thousand or ten thousand? Why do some people increase their credit limit to tens of thousands or hundreds of thousands after using it for three months or half a year?

Maybe your card swiping posture is wrong! Let me talk to you in detail about credit card swiping.

Tips for maintaining a credit card: Seven essentials

Requirements:

1. Don’t be too early: try not to swipe your card before 9 a.m., because according to common sense, Most shops are not open yet.

2. Don’t be too late: Try not to swipe your card after 22:00 in the evening, because according to common sense, most shops are closed.

3. Don’t swipe integers: Don’t swipe integers such as 10,000 or 5,000. Try to swipe fractions each time, such as 9999, 9800, 9990, etc., and do not swipe the same amount twice.

4. Don’t spend all the credit in one go. If the credit is tens of thousands, try to spend it over several days. Don't leave the card empty.

5. Don’t make a one-time repayment and then withdraw it again: This is a big taboo, especially if you pay it back on the repayment date and then withdraw it again and again.

Seven essentials:

1. The frequency should be high, and use POS machines to simulate real consumption (choose the right POS machine). The more you use your cards, it means you have a rich variety of card swiping, good flow, easy to increase the limit, and less likely to be risk controlled.

2． The amount of card swiping should be consistent with your usual consumption habits: if the amount of swiping cards is usually tens of dollars, and suddenly there are a large number of swiping cards of tens of thousands, it is easy to be controlled by risks, so swiping cards should be done step by step, and do not jump from a few hundred to tens of thousands all at once. Rise slowly.

3. Try to buy with points: this way the bank will make money, and sometimes they will turn a blind eye when they know you have cashed out.

4. You need to apply for installments: Occasionally pay more than 600, and then apply for installments (the number of installments is preferably 3-6 months, not too long). You want to make money for the bank, so that the bank thinks you are a high-quality customer. It’s also easy to pay in installments (please refer to each bank’s rules for details, some banks don’t like installments).

5. To switch stores: When using a POS machine to simulate real consumption, the interval between swiping the same card should be more than half an hour.

6. Cycle again, cycle brush. You need to start repaying before the final repayment date, repay 1/10 to 1/3 every day, and then swipe it out, and pay it again the next day. In this way, you only need to leave 1/10 of the credit limit on a card to repay it in full. Yes, of course, if you have enough funds, you can repay before the bill date, and focus on credit card transactions 20 days after the bill date (this can achieve zero debt).

7. Be sure to cherish your credit report and never overdue it. If you can't pay off the bill on the final repayment date, you can call your bank. Generally, banks will have a 3-day grace period. You must try your best to pay off the bill within these 3 days.

Finally! Cherish your personal credit! In three minutes a day, we will teach you the correct way to swipe your credit card, develop good card usage habits, and improve your personal credit and credit limit.