First, in the first three months after opening the card, accumulate credit and repay the loan in full and on time. Make the bank feel that your funds are safe and trust you. Why does the bank require the card to be used for more than three months to raise the limit? Why does the bank require the card to be used for six months to apply for a card? It depends on whether the funds are safe or not with you.

Second, repay frequently. If you have money, pay it back. The purpose of this is to increase the efficiency of capital turnover and increase the utilization rate of funds. The more frequently you swipe and return cards, the more banks like it. They feel that the funds are safe and you can make money.

Third, the POS machine that often pays small amounts and has points allows the bank to make money. The profit share of the POS machine is as follows: 7 for the issuing bank, 2 for the depositing bank, and 1 for UnionPay. Those with points are not included. There is a cap, and you can’t make money with a cap without points.

Fourth, friends who want to cash out working capital, read this article. Banks believe that the key to cashing out lies in large-amount consumption - large sums in and out, the overdraft limit accounts for a high proportion of the total limit, and the maintenance period is long, which is a taboo for using the card. In fact, it doesn’t matter if you want to cash out. This is a problem that every bank cannot solve. The key is not to go too far. My personal advice: Be careful when making large amounts, and the amount should not exceed one-fifth of the total amount. Except for brushing points.

Fifth, make at least two cash withdrawals a month to let the bank earn some interest.

An installment will be done every six or two months, and the number of installments should not be too long.

Seventh, take advantage of every opportunity to brush every day, no matter how big or small. When I buy a bottle of mineral water, I always swipe my card. What about paying electricity bills, water bills, phone bills... Don't underestimate these small credit card swiping records, they are very useful for your card usage activity. The amount of card swiping, the frequency of swiping the card, the type of consumption, the repayment record, the contribution value of the card use... these are the categories that the bank's computer system examines.

Eighth, using online shopping is also a good way to maintain your card. No more details. Ninth, participate in some preferential points activities offered by the card issuer.