Generally speaking, it is best to limit the number of credit card swipes per month to no more than 20. If the number is exceeded, you will be suspected of cashing out. If the number is too low, the bank will think that there is no need to use the card, and it will be unfavorable to increase the limit. Among these 25 transactions, it is best to have 10 to 15 small amount transactions and 3 to 5 large amount transactions. The deciding factor between large amount and small amount must refer to the amount of credit card swiped.

The monthly credit limit should not exceed 70% of the total amount. The specific credit amount is different for small and large amounts:

1. If it is a small amount, the amount is not Strict requirements, generally ranging from a few yuan, dozens of yuan, to hundreds of yuan, but a single transaction should not exceed

500 yuan;

2. If it is a large amount, each transaction Do not exceed

60% of the total amount. It is best to control it at around 30%, such as 10,000 yuan. Just swipe

3,000~6,000. It will hurt if you swipe too much. Cards are easy to be controlled by risks.

In addition, it should be reminded that the amount of card swiping must match the type of merchant where the card is swiped, such as less than 50 yuan for breakfast shops, 20 to 300 yuan for restaurants, thousands to tens of thousands for jewelry stores, etc. And the time for swiping the card must be within the normal business hours of the merchant where the card is swiped.

Credit Card (English: Credit Card), also called credit card. It is a non-cash transaction payment method and a simple credit service. Credit cards are generally 85.60 mm long, 53.98 mm wide, and 1 mm thick, special carrier plastic cards with consumer credit. It is issued by the bank to individuals and organizations, and can be used to shop, consume, and deposit and withdraw cash from the bank. It is in the form of a card with the name of the issuing bank, validity period, number, cardholder name, etc. printed on the front and a magnetic card on the back. strip, signature strip. Credit cards are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when using the credit card, and repayment will be made on the billing date (English: Billing Date). Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards issued by banks and give cardholders a certain credit limit, and the cardholders can consume within the credit limit and then repay; quasi-credit cards It refers to a quasi-credit card issued by a bank, and the cardholder is required to deposit a certain amount of reserve fund. When the reserve account balance is insufficient to pay, the card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.