As we all know, credit cards will generate annual fees. If it is a non-annual fee card, you can reduce the annual fee by swiping it. Many banks stipulate that it should be swiped six times. A friend wants to know what is a quick way to swipe your card, so that you can swipe 6 times a day. Let's take a look today.
How to swipe 6 credit cards quickly?
According to the conventional thinking of many people, credit cards are used to swipe cards on POS machines. But now the risk control of banks is stricter. It is best not to swipe more than three cards on the POS machine every day, and it is necessary to stagger the time period. You can't concentrate all three on one POS machine. The most important thing is that you can't swipe your card in the same type of merchants, otherwise you may be subject to risk control.
However, if you use a POS machine to quickly brush 6 strokes, the risk is even greater. It is best to use other methods, such as online shopping. Many banks' online payment also counts as the number of credit card swipes. You can bind credit cards on JD.COM Mall, Taobao, Meituan and other apps, and then make transactions.
In addition, online shopping for credit cards is not restricted by geography, and the requirements for the number of credit cards are not so strict. It's easier to brush six times a day. However, credit card online payment may not have points, some banks may have points, and some banks may not have points, so you have to consult the customer service of the issuing bank before the transaction.
Once you pay attention to it, whether you pay by POS or online, you usually swipe your card six times with a credit card and then swipe it the next day. If your credit card spending reaches the standard on next month's billing date, your annual fee will not be deducted. If you don't want to use the card, you can just keep the card and put it aside after brushing it to the standard within one year.
How can I swipe my credit card to withdraw the amount faster? Is there any pattern?
As a senior credit manager of the credit department of a domestic joint-stock bank, I have not handled 5000 credit cards, nor less than 4000! The total amount raised in one day is 3000W, which has been counted!
After reading my answer, you will have a new understanding of credit cards!
Just so confident! ~
First, credit card withdrawal 100% is regular! It's just that different banks have different rules. I'm just talking about the general direction of abstinence skills. If you want to know more or don't know, you can like to pay attention to this number!
For example, just like driving a car, people with a license plate can drive it, and people without a license plate can drive it, but the license plates are also divided into C 1, B 1 and A 1, so A 1 is the license plate for driving most vehicles, but in addition to the normal automobile driving license, there is another license plate called racing license plate.
Second, the time limit, all bank credit cards, except China Merchants Bank and ICBC, basically the first time to return a new card is within 6 months!
For example, in primary school, do you have to start studying in grade one and take junior high school exams in grade six? However, there are also some primary school students who don't follow the routine and can skip grades directly. Then ICBC and China Merchants Bank belong to these two special students. A 3,000 yuan ICBC card can be directly raised to 400,000,980,000! So anything is possible!
Third, diversified consumption. I often hear from bank customer service that diversified consumption is needed. What is diversified consumption?
For example, today is Monday, August 1 Sunday, and it is also our first billing date. August 30th is our accounting cycle. In this billing cycle, on August 1 day, I went shopping after work and bought a pair of shoes. On the 2nd, I bought a dress. On the 3rd, charge the phone bill. On the 4th, I gave it to my family.
Fourth: the amount and time of swiping the card must not be the same! If there are traces and rules, it will trigger the bank's risk control system. If you are listed as a risk control user, it will extend the withdrawal time!
1: Xiaoming likes pancake fruit. He buys two tablets every morning, the same amount and the same time. Although the amount is not large, it is only a dozen dollars a day. Every day, the bank will think that Xiaoming's card limit is enough and swipe it once a day. There is no need to increase the amount!
For example, every time Xiao Wang swipes a card, the amount is a lucky number, and every time he swipes a card, it is1999,2000,5000,10000,789,5678 and so on. It will also be listed as a risk control user;
For example, 3: The card swiping time is different from that of the merchant, which affects 100%! I went to the breakfast shop in the evening and went to the nightclub at noon. Who will go to these two places in peacetime? So jumping code kills people! We have a customer who has a China bank card with a limit of 800,000 yuan, that is, the card skipping amount has been reduced to 654.38+10,000 yuan. Later, after communicating with me, I mentioned 300,000 yuan a year later;
Fifth, long-term empty cards will also affect cash withdrawal. After tracking more than 500 cardholders, an interesting experiment found a problem. Among them, 200 people followed our skills, and the other 300 people did not have my guidance. After half a year, the credit card quota of the top 200 people has been significantly improved, and the last 300 people have overdue cards, reducing the number of credit cards. What is the specific situation?
To put it simply: for the top 200 people, we told them to keep at least 20% of the principal of the card until the bill is issued at the end of each month, and it is absolutely not allowed to spend it. If you spend it, the bank will seal your card and reduce the amount. At the same time, once a week, the cooperative merchants of some banks in your hand will spend it by credit card. The amount is not too large, but more than a dozen pieces will do. This is the best way to really spend! One of the elder sisters, 55 years old, has a credit card limit of 1 10,000. After half a year, the quota was raised to 50,000 yuan, and she also got a loan of 30,000 yuan behind the credit card.
Sixth, there can be no staging, nor can there be staging. You are tired of receiving the installment call from the bank. Although the installment phone call is annoying, if you don't give the bank something delicious, the bank will not give you any benefits!
For example: men and women have just met. If we talk about going to Hanting from the beginning, I believe it must not be true love. We should learn to love banks. You must make a phone call when you meet for the first time, and then you can go out for dinner for the second time, go to the movies for the third time, and you can do it for the fourth time. Hehe, you know, only in the long-term exchange of interests can mutual trust be established. By Valentine's Day, this gift will be staged. How long and how much? As I said, 50% of the bill is enough, once a year, neither too much nor too little, too much is ineffective, too many fees are too high, and some people pay in installments every month, which is also wrong, giving the bank a feeling of being short of money all the time!
Seventh, bank deposits and running water are one of the necessary tools for withdrawing money! This is why many people have hundreds of thousands of credit cards. Some people have never raised the amount because there is no running water, and some people know how to ask for advice modestly, and successfully raised the amount to 654.38+ 10,000.
For example, Xiao Wang has a well-off family. He talked about a girlfriend and got engaged within two months. Xiao Ming's family conditions are very poor, but Xiao Ming knows that he can't find a girlfriend in this way, so he got some credit cards, then decorated the house and found a girlfriend to come to his house. The girl saw Xiao Ming's condition was not bad, and she got married in a few months. However, after marriage, the two paid back their credit cards together, and in less than two years, all the credit card debts were paid off. Excuse me.
At any time, as long as you want to do it, there is nothing you can't do, and running water is the same!
Eighth, the card machine is also one of the key points to decide whether you can raise the amount!
Ninth, under what circumstances is the fastest exit? Traveling abroad by plane is the fastest, and banks buy gifts the fastest!
Let's start with a case: around June 2008+2065438, we had a customer with a credit card limit of 20,000 and asked me how to withdraw cash quickly. I said that when you travel abroad, the effect of raising the amount is the best. About two months later, you came to me and said that the limit was raised, from 20 thousand to 50 thousand, and at the same time, the loan was 300 thousand on the back of the card I asked him where you traveled!
He said: I married my wife and didn't take her out to play. I just finished talking to you. We traveled with a group to Singapore, Malaysia and Thailand for about 12 days. As long as we go, we all pay by credit card except tipping. Two people spent about 10000 back and forth, and the text message came less than 15 days. Playing and playing, the feelings are better, and the company is not short of money!
Let's start with a classic case: we have a sister. Once the bank called to promote their commemorative coins. I remember the Year of the Monkey (20 16). At that time, she called me and asked me how this commemorative coin was. I said it is collectible, so I can put it down if I buy one. She asked, can I swipe my credit card and increase the quota? I said different banks have different policies. Ask the bank that called you if you can use a credit card. As far as I know, I know that your bank should be able to increase the quota, so he said yes. He called the bank to ask. About half a month later, my sister called me and said that his credit card was raised from 3W to 60,000, and he bought this commemorative coin, 10 for more than a few days.
So little friends, do you understand? Banks are nothing more than seeing who has stronger spending power and who has stronger performance ability!
Tenth, whether it is a bank's private banking customer, VIP customer or white list customer!
Many people don't know this. In fact, the level of banks also plays a key role in the withdrawal of credit card holders. This requires you to go to the bank to do both hard and soft. Of course, the most important thing in life is to be happy. People in the bank are happy, and you are happy!
Tell a case: there is a customer who has nothing in the RV, but with a license, she successfully got a credit card with a limit of 65,438+10,000 from a state-owned bank. At the same time, after a year, the limit of this card has been raised to 200 thousand, but she has nothing!
I'm brother Mao, the account manager of the bank, and my credit card withdrawal is regular. Let me give you a detailed answer.
First, improve your assets in the issuing bank.
Cardholders should collect all the funds from other banks into the card of the issuing bank, so as to improve their assets and liabilities in the issuing bank, which will greatly enhance their debt capacity and be very helpful for scoring.
Second, the credit card date cannot be within two days after the bill date.
There should be an irregular credit card, so as not to let the system determine that the cardholder is suspected of cashing out. Swiping cards on different dates reflects the cardholder's strong spending power and helps to withdraw the amount quickly.
Third, don't be close to full consumption or overspending.
You can spend less than 80% of the credit limit, or overspend. Excessive consumption refers to the use of more temporary credit lines, so that the system can determine that the credit card line is not enough for the cardholder to use, which is helpful to improve the line.
Fourth, do some consumption installment, bill installment and cash installment.
Staging is conducive to improving the contribution value of cardholders to the bank, allowing the banking system to judge that they are quality customers, which is very helpful to improve the quota.
5. Don't take the initiative to repay on the last day.
It is best to bind the debit card and reserve enough funds in the debit card for automatic repayment until the repayment date. This can also show that the cardholder has strong repayment ability and is helpful to withdraw the amount.
There are many factors for quick credit card withdrawal. Both the details of card maintenance and tools (POS machines) need to be strictly controlled. Needless to say, without a reasonable and effective card raising scheme, it is basically difficult to raise the amount quickly. Whether it is simulating real transactions, diversified transactions, reasonable repayment, and reflecting personal values, it is not sloppy. Details determine success or failure, and good credit card habits are very necessary.
Mainly focuses on simulating real transactions and embodying personal values:
Simulation of real transactions: every transaction we brush needs to simulate real consumption habits, and a specific time, a specific place, a specific merchant and a specific amount must cooperate with each other, which is in line with normal logic; However, it is easy to see that the credit card habit that does not conform to the real transaction is a false transaction (for example, it is not normal to brush breakfast at eight in the morning and brush entertainment merchants in the morning). However, there must be restrictions on the number of times, amount and types of merchants that a single card can be used every day. Don't swipe your card at will. In short, all credit card swiping behaviors should be based on normal consumption logic. Always remember that we will make a real deal.
Reflect personal value: it can be divided into two aspects, one is to reflect personal consumption ability; The first is to reflect personal economic ability. Consumption energy refers to the choice of merchants, not to large transactions. Merchants are mainly high-end merchants. Brush food stalls and high-end restaurants in the catering industry are two concepts. Brush tea shop and general Starbucks are also two concepts. There are also two concepts: you spend 2000 in wholesale market or vegetable market and you spend 1000 in shopping malls and well-known merchants, because different types of merchants reflect different personal spending power. Reflect the individual social level is also different. It is basically impossible for vegetable vendors in the vegetable market to spend at Starbucks. The consumption concept of a senior white-collar worker is naturally relatively high-end and hierarchical, and banks naturally like such users as senior white-collar workers. Reflecting economic strength does not mean always trading in large quantities (otherwise it does not conform to normal consumption logic), nor does it mean always repaying in full (banks need to earn more money). Stages can be selected appropriately, but the number and amount of periods are controlled. Too much can't reflect economic strength, but it will be considered as insufficient financial resources. In short, you can have no money, but you can't let the bank think that you have no money.
The details of the card raising scheme are very clear, which is the key card raising tool POS machine. A good card POS machine plays a vital role. If the POS machine is unstable, irregular and unreliable, it is good not to mention the amount, because in the eyes of banks, all your trading behaviors are fake, even if your own credit card habits are perfect.
When choosing a POS card, you must choose carefully, mainly large POS machines. You can't hold the cards by hand for a long time, or you can't hold the cards. The most important aspects of a qualified large-scale POS card are merchants, stability, points and replaceable terminals. Of course, a regular cleaning machine is necessary, which is the premise of handling any POS machine. PS: The merchants are authentic, locally selected, and the merchants are of good quality. The three orders are consistent, and the pens are divided.
The specific way is to spend 25 small amounts, 3 medium amounts and 65,438+0 large amounts every month, which is an intensive credit card method. Here, the 25-small credit card limit is flexible, and individuals can match it flexibly according to their own conditions, ranging from 65,438+00-25.
Card swiping skill 6: physical card swiping vs online consumption
With the development of WeChat Alipay, scanning code has become more popular, and many people are bound to pay by credit card scanning code, so many people ask.
Is credit card WeChat payment a credit card? Is the credit card bound by Alipay consumption a credit card? Is online payment by credit card a credit card?
The answer is that it must be a credit card. Credit cards are bound to Alipay or WeChat consumption, which is basically online payment. Generally speaking, it is suggested that online payment should be less, and real credit card consumption should be the mainstay. Different banks have different regulations on online fast payment. Some banks have points, while others don't. Moreover, online payment of consumption, banks earn less, so it is recommended that online payment be as little as possible, but it is ok.
Card swiping skill 7: No high-risk card swiping is allowed.
The following is the wrong way to swipe your card. Please remember not to swipe your card like this:
1, all transactions are big integers.
2. The same consumer and merchant use credit card transactions too frequently, such as multiple times in a week, and it is best not to exceed twice a week.
The trading time is midnight, not normal business hours.
4. Repeated credit card transactions on the same POS machine for several months.
5. Online shopping consumes too much, basically online shopping every month.
6, the number of swipes is small, only a large amount is swiped, and the amount of swipes is high, generally tens of thousands.
7. There is a large amount of consumption every month, accounting for more than 90% of the fixed amount.
8, often on the hand brush machine for large transactions.
9. Pay in full every month, and it will be swiped into the empty card within a few minutes after repayment.
Card swiping skill 8: three elements of card swiping
The three elements of credit card swiping are: credit card swiping time, credit card swiping amount and credit card swiping merchant.
The three are also closely integrated. Generally speaking, the credit card time, credit card merchant and credit card amount should match. For example, if you shop in a supermarket, it usually means spending hundreds to thousands, and the amount of credit card is between 100- 1000. The card swiping time is normal business hours, not in the middle of the night, and other businesses can draw inferences.
What kind of merchants are they, how much they spend, and why it is suggested that you brush high-end merchants to brush a large amount of money, which is a real simulation, not making illogical credit card consumption, and the other is credit cards.
It is time. It is generally recommended not to swipe your card in the middle of the night during the day, except in hotels, KTV and other places.
Dora, a family fortune password commentator:
Nowadays, people are basically one card, and credit cards are no exception, even more than one, and many people have different uses. Some people change gifts at the end of the year to support Kolor. However, some people want to live a rich life in order to live. What should they do? Then they should swipe their credit cards first and wait for the money to be paid back slowly. Some people just need a garage and other large expenses for their families, and they will bear large loans every month anyway. So for people who usually have a low credit card opening amount, how to use it to quickly increase the credit card opening amount? What can I do to make it faster?
The following are just personal accumulated experiences and suggestions. It is recommended to use credit cards frequently, but not too frequently, that is, to use them normally every day, and to use them in different places, such as supermarkets, ktv, fitness centers, restaurants and so on.
One thing to note is, don't spend money in a store often. Even if you often spend money in this store, you should allocate the amount of brush reasonably. Otherwise, the bank will think you are cashing in. If the cash is serious, the card will be sealed and the amount will not be withdrawn at that time.
Return the card in time. I think you can increase the quota in March normally, often buy some big things, and be more positive when you repay on the same day. It is best to repay in full when you repay. Banks can also know your consumption level and repayment ability. It will help you increase the amount faster and the amount will be higher.
Every bank has its own logic for fast cash withdrawal of credit cards. It will also be adjusted according to the different conditions of your credit card. After the adjustment, you will be more recognized by the bank.
My personal understanding of cash withdrawal by credit card is like that of men and women falling in love. See how you please the bank. Yes, you must know each other when you are in love, right? So if you want to withdraw money from the bank, you must know him. Then do what you want to do. And I am willing to tell you the information before giving it to you. I am willing to give it to you.
In fact, this growth has several factors. Is one of your comprehensive qualities. Including your income, your debt, the bank only considers your repayment ability, and will also set a certain amount for you according to your spending power.
Then raising the quota can also be said to create an illusion for the bank, proving that you have great spending power.
Generally speaking, when we are here to solve your problems. Let's take your original situation as an example. And then give you the corresponding solution. In fact, simply speaking, it is to let you grow taller and let the bank believe that you have greater spending power and repayment ability.
Attached below is a card I raised myself. From April to July this year, 10 has been raising the amount, and it is being raised every period.
1. Hardware: The more materials you prepare before applying for a credit card, the better. The stronger the materials, the better! For example: high education, good job, high salary, good workplace, car and house. The more information provided, the stronger the strength, and the higher the credit line applied for!
2. Brush more: food, clothing, housing, travel, going abroad, shopping, buying a house, buying a car, etc. Use a credit card as long as you can swipe your card. Even the third-party payment platform is bound with a credit card, always ready to spend by credit card! The more times you swipe your card, the greater your consumer demand!
3. Credit: no overdue, timely repayment and good credit record. Even if you can't repay in full, you must also pay the minimum repayment amount! Don't be overdue under any circumstances unless you don't want to deal with the bank in the future!
4. Staging: Staging is not cost-effective for cardholders, but banks like it, because banks earn money, which causes banks to be interested in your withdrawal. If the bank can't make your money, how can he be interested in your withdrawal?
5. consumption abroad: If your credit card is in consumption abroad and the bank thinks that you can go abroad and have strong financial ability, then you are a potential customer for their credit card withdrawal.
6. Buy bank wealth management: increase the interaction with banks, buy some products of card banks if you have nothing to do, and interact with many banks. As their vip, what reason do they have not to give you a raise?
7. Credit card withdrawal can be applied once every six months. You can apply through customer service phone or app. Even if rejected, you can continue to apply after six months.
8. Take the initiative to contact the customer service of the credit card to ask for withdrawal after the large amount of credit card consumption, and inform the bank of the urgency of withdrawal.
It is not difficult to withdraw cash from a credit card, so that the bank can see your strength and sincerity! You always have to pay back the money you spent on your credit card. You need to spend rationally and do what you can. Don't let the credit card become your burden?
First: buy many times, no more than 3 times a day, remember to brush in the middle of the night, and the consumption should match the business.
Second: properly handle the installment business, the sixth installment is the best, the handling fee will not be too much, and the issuing bank will be profitable.
Third: develop a good habit of using the card, and don't reverse the card, so that the bank will control the risk and regard it as your risk customer, but it will reduce the quota.
In short, good card habits can increase the quota. Do not spend in advance, luxury consumption.
Promote positive energy, Lin Xiao has something to say.
Nowadays, credit cards are becoming more and more popular. How to use credit cards to increase the quota faster has always been a hot topic in the circle of card friends. Today, I will share with you how to realize the increase in quantity and what are the rules.
The first thing a bank should do to increase the credit line for us is to maintain a good repayment record and diversified consumption, which proves that we have sufficient performance ability, and then the bank will increase the credit line for our cardholders.
Avoiding a few points is very helpful for us to increase the credit limit. I hope I can help you leave a comment.
Hello, futures Chu Xiao, as a so-called old man who has been engaged in the financial industry for more than ten years, started to apply for the first credit card in 2006, with more than a dozen at most. He is a standard credit card expert. At the same time, as a national financial planner, he has many years of experience in managing money. Let me answer this question briefly.
First, understand the concept of credit card.
Credit card refers to an electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.
Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
Secondly, about the benefits of using credit cards.
1. Credit card is the only debt instrument with long interest-free period, which has high use value. This is not available in any other loan varieties. This means that for a period of time, we can spend the bank's money for free and do our own thing. When money is tight, you can also use a credit card to tide over the difficulties without paying interest.
2. You can accumulate personal credit. For "white letter users" who have no credit record in the Credit Information Center of the People's Bank of China, banks generally don't give credit easily. Even if credit is granted, the loan amount will be very low, and there will be no preferential loan interest rate. Young people who have just left the society can accumulate personal credit by using credit cards to repay on time, laying the foundation for applying for mortgage, car loan and low-interest credit loan in the future.
3. You can accumulate points and participate in preferential activities. With a credit card, you can accumulate points and redeem gifts or rights. In order to seize the market and protect customers, credit card centers of various banks have launched many preferential activities. Some activities are very strong. Activities such as 50% off food and watching movies for one yuan are very cost-effective and can save a lot of money.
Some credit cards are powerful and can facilitate daily life.
Third, go back to "How to withdraw money faster by swiping a credit card?" ? Is there any pattern? "
First, credit card withdrawal 100% is regular! Only the rules of banks are different.
Second, the time limit, all bank credit cards, except China Merchants Bank and ICBC, basically the first time to return a new card is within 6 months!
Third, diversified consumption. I often hear from bank customer service that diversified consumption is needed. What is diversified consumption?
Fourth: the amount and time of swiping the card must not be the same! If there are traces and rules, it will trigger the bank's risk control system. If you are listed as a risk control user, it will extend the withdrawal time!
Fifth, long-term empty cards will also affect cash withdrawal. After tracking more than 500 cardholders, an interesting experiment found a problem. Among them, 200 people followed our skills, and the other 300 people did not have my guidance. After half a year, the credit card quota of the top 200 people has been significantly improved, and the last 300 people have overdue cards, reducing the number of credit cards. What is the specific situation?
Sixth, there can be no staging, nor can there be staging. You are tired of receiving the installment call from the bank. Although the installment phone call is annoying, if you don't give the bank something delicious, the bank will not give you any benefits!
Seventh, bank deposits and running water are one of the necessary tools for withdrawing money! This is why many people have hundreds of thousands of credit cards. Some people have never raised the amount because there is no running water, and some people know how to ask for advice modestly, and successfully raised the amount to 654.38+ 10,000.
At any time, as long as you want to do it, there is nothing you can't do, and running water is the same!
Eighth, the card machine is also one of the key points to decide whether you can raise the amount!
Ninth, under what circumstances is the fastest exit? Traveling abroad by plane is the fastest, and banks buy gifts the fastest!
Tenth, whether it is a bank's private banking customer, VIP customer or white list customer!
Many people don't know this. In fact, the level of banks also plays a key role in the withdrawal of credit card holders. This requires you to go to the bank to do both hard and soft. Of course, the most important thing in life is to be happy. People in the bank are happy, and you are happy!
Futures Chu Xiao reminds everyone that credit card is a double-edged sword, and the key lies in how to use it. I suggest you plan and use it reasonably.
What do you mean by swiping a credit card?
Credit card swiping refers to the use of credit cards to complete various payments, such as offline consumption on POS machines and online binding of third-party payment software to complete payment. Therefore, when the annual fee reduction of credit card requires users to swipe their cards x times, both online payment and offline payment can be accumulated into the number of swipes. As for whether online payment is cumulative, it depends on the regulations of the issuing bank.
Credit card:
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, "Public service field"