1. Control the number and amount of credit card swipes

Credit cards need to be swiped more often to increase the limit quickly. Banks also issue credit cards to make money. The handling fee for swiping the card is one of the important incomes of the credit card business. 1. Only by spending more money with your card can you bring benefits to the bank, and the bank will be willing to increase your credit limit. Therefore, cardholders who swipe their credit cards frequently and have a high proportion of credit card swipes in a single month are more popular with banks. Generally speaking, the number of monthly purchases on a card must be more than 30, and the amount of card swipes in a single month must exceed 60% of the total credit limit, so that the application for a limit increase transaction is approved.

2. Participate in more credit card preferential activities

In order to encourage cardholders, banks will launch credit card preferential activities from time to time, including discounts and cash rebates. Participating in these discounts can save cardholders money. Cost, so cardholders can pay more attention to the card issuer's official announcements or official WeChat, etc., to grasp first-hand preferential information and actively participate, so that they can not only swipe their cards to maintain their cards, but also save money.

3. Choose the right merchant to swipe your card

Not all merchants’ card swiping transactions can generate income for banks. Some merchants do not charge card swiping fees. So, in such merchants, By swiping a card, the bank does not get much benefit. Therefore, everyone should choose the appropriate card for consumption.

4. Don’t go to a card maintenance company

The so-called card maintenance companies are actually credit card cash-out intermediaries. They use POS machines to make fake transactions to help cardholders repay their cards and charge a certain amount. For handling fees, if you hire a professional card maintenance company to maintain your card, the cardholder will have to bear a lot of risks, including the overdue risk of not being able to repay on time, the risk of personal information leakage, and the legal risk of cashing out the credit card, etc.!