Earn points point by point

When you swipe your card in activities such as "Double Points", "Points Giving" and "Credit Card Lottery", your points will be doubled. For example, if the cardholder has a bank credit card in the birthday month, he can enjoy 4 times points by swiping the card.

Clever choice of card integral

1. Select a credit card with permanent points.

If the bank credit card can't provide low-value and high-value product exchange or long-term effective points, it can't realize real value and return for consumers.

2. Choose a credit card with a goal.

Banks have different types of credit cards, and users can choose the card that suits them. For example, if consumers want to earn some oil money, they can choose CCB Longka automobile card, and their points can be used to refuel at gas stations; A number of banks have purchased some aviation co-branded cards. The consumption points of such credit cards can be exchanged for ordinary goods and mileage of the corresponding airlines. For people who travel frequently, you can choose such a card. Write down which type you need more, and then combine the points rules of this card to spend, so as to make more effective use of points.

It is more cost-effective to use points online.

Consumers will generate corresponding points (generally 1 yuan 1 points) after spending by credit card. When the points have accumulated to a certain extent, you can redeem the corresponding gifts on the designated website, which is the most traditional way to redeem points. With the increasing number of credit card points, cash, Starbucks, insurance, annual fees, public welfare and so on. , are constantly injecting fresh gameplay into cardholders. For example, China Bank 15000 points can be exchanged for 1 cup of Starbucks hand-mixed drinks, and they can also be exchanged for one to get one free on weekends, which makes many cardholders earn small benefits by virtue of the points.

What can a credit card do?

Credit cards can be used in various consumption fields, such as shopping and eating in shopping malls. , as long as it can be used anywhere, it can also be bound to third-party payment, such as Alipay and WeChat. Moreover, credit card consumption enjoys an interest-free period, as long as it is repaid in full and on time according to the bill amount on the due repayment date, it enjoys an interest-free period.

What is raising a card with a card? What should I pay attention to when raising a card with a card?

It is no stranger to all card friends to raise cards with cards, and it can also be said that it is a bad word in the eyes of most people. Is that really the case? You can say no for sure.

Let's talk about the conditions for raising a card with a card.

First of all, a simple definition is that multiple credit cards (debit cards) repay each other and turn around.

Prerequisites:

1, multiple credit cards (debit cards);

2. There must be a certain balance (reserve fund) in the card, and the monthly fee should be supplemented to ensure that the reserve fund is fixed, which can only be increased but not decreased;

3, have their own pos, and know how to choose and configure the machine;

4. Know how to raise cards safely;

5. Understand the distribution and turnover of funds;

6. Can calculate credit card (debit card) accounts.

Then what can it do?

First, I ...

There are only two kinds of credit cards (debit cards): one is based on the repayment date of the bill date, and the longest interest-free period is about 50 days; Second, the card type is maintained by the card, that is, a part of the total amount is taken out. The standard is that the available amount must be above 10%, the more the better, and it is best to have more than 30% of the available balance at the beginning.

The second is what we said, which can increase the use time. If your business exceeds the interest-free period of credit card (debit card), you can turn around in this way.

There are other investment types (not everyone can do it, don't follow the trend), and this method must be used, because only in this way can the funds be used for a long time.

Second, solve the problem of pits.

I fell into the pit because I couldn't use the card and I didn't have the money to pay back. I was worried about repayment and affected my normal life.

As I shared in my previous article, if there is no money, there is only one way to solve the pit and buy time. Therefore, with this method, you can earn money by yourself only by solving a small amount of expenses every month, and strive for more time to finally solve the problem of credit card (debit card) repayment.

Why are so many people keen on "keeping cards with cards"?

First of all, credit card (debit card) is the lowest financing cost at present. As long as there is a very reasonable repayment plan and investment appreciation channels, it is still a very cost-effective transaction after deducting the handling fee. Many borrowers have handled more than a dozen cards, with a total amount of millions. If effective fund management and operation are adopted, Great God can spend the money.

Credit card (debit card) has two sides, and there must be advantages and disadvantages. It is up to the cardholder to decide whether it is good or bad. If you don't understand at present and don't know how to control it, it will prove bad for you. Please don't do it blindly. Everything I say has preconditions, and I have never misled or tempted others. I analyzed the matter from all angles.

Secondly, some young people who have just entered the society are reluctant to contact their families due to temporary economic conditions, so they will apply for more credit cards (debit cards) to ease the pressure of life, and then get deeper and deeper and become card slaves. There is also a card god, who runs more than a dozen cards just to use credit cards (debit cards) in bonus hunter. He knows every bank's preferential activities like the back of his hand, and carefully studies how to earn points and increase the amount, and make profits by redeeming gifts or miles.

Secondly, talk about the risks of raising cards with cards.

The country of legal risk has made it very clear. "If a cardholder uses various means to maliciously overdraw for the purpose of illegal possession and should be investigated for criminal responsibility, he shall be convicted and punished for the crime of credit card (debit card) in accordance with Article 196 of the Criminal Law."

Handling fee, I understand that the handling fee of pos machines in the market is generally around 0.60%-0.85%, so the cost of 1000 yuan is 60-85 yuan. If you are not good at financial management, the income brought by working capital is less than the handling fee, then it is a liability for the cardholder, and the larger the amount, the more.

Many friends just started to know this thing, thinking that by doing this, credit cards (debit cards) can be circulated all the time without paying back the money. They ignore the cost of doing so; Secondly, this requires raising a card, and raising a card will also involve security issues.

So when you use a credit card (debit card), you must carefully understand every game and function of the credit card (debit card). Since it exists, it proves that someone can do it. But not everyone can, there are different levels. If you want to achieve it, but you don't understand it, you must at least learn to do it.

If you can't do it yourself, then this way is not good for you and you don't need contact. I hope everyone has a correct understanding. At least don't believe that credit cards can make you rich overnight. Remember: there are preconditions.

How to use credit card points more economically?

The staff of a credit card center of a commercial bank reminded that cardholders can get points by swiping their cards at valid time nodes. The so-called effective time node refers to some points doubling and points returning activities jointly launched by some shopping malls and banks on store celebrations or major holidays, which not only doubles the points, but also can be used to deduct the consumption in shopping malls; Every week, the bank will also have many discounts on specific days, and consumers can purchase coupons in advance on the bank website or APP.

The manager of a credit card center of a joint-stock bank suggested that cardholders should first stick to practical principles and choose the goods they need, such as some banks and supermarkets, convenience stores, restaurants and other businesses, so that consumers can exchange points for goods, cash coupons or food at nearby stores at any time. Secondly, cardholders can try to exchange some widely used and standardized virtual items, such as mobile phone recharge cards, supermarket shopping cards, gas cards, air miles and so on. , or deduct the annual credit card fee. In addition, cardholders can also choose to use points directly, such as CCB's credit card points payment cash service, which supports customers to directly use credit card points to deduct the order amount during the order placing process in the mall.

For example, CITIC Bank cooperated with JD Finance to launch "JD.COM". COM Steel _ ",the points can be converted into" Steel _ "for shopping and consumption in JD.COM Mall; China Merchants Bank launched a point-to-house exchange activity, which can use the credit card consumption points of China Merchants Bank to deduct the purchase price; China Merchants Bank also launched the "One Fund" co-branded credit card. Cardholders can spend at least 1 yuan a month to donate the plan and accumulate the amount of love. When they reach a certain level, they can upgrade and issue higher-level cards.

There are even bank credit cards that can generate points without spending, such as the "Xing Dongli" credit card of Industrial Bank, which can exchange exercise calories for credit card points.

Many cardholders said that the validity period of points in some banks is short, and the confusion of points management between bank cards has also brought multiple inconveniences to cardholders. It is understood that the validity period of credit card points launched by domestic banks is indeed different. For example, credit card points of banks such as Agricultural Bank of China, China Construction Bank, China Merchants Bank and Industrial Bank are permanent, while credit card points of banks such as Guangfa and Ping An are as long as the card use period, while credit card points of banks such as Bank of China, Bank of Communications, CITIC and Pudong Development Bank are only valid for about two years. Disclaimer: The article comes from the Internet and is only for users to learn and communicate. If there is any infringement, please contact to delete it.

What are the credit card withdrawal methods of China Merchants Bank?

What are the credit card withdrawal methods of China Merchants Bank? China Merchants Bank likes to look at the amount of consumption, and is not sensitive to large-scale consumption. It tries to change the consumption mode to credit card consumption. Moreover, China Merchants Bank's credit card is relatively easy to maintain, and banks will take the initiative to increase the quota. Here are several ways to increase the credit card limit of China Merchants Bank.

1. Adjust the limit by swiping the card with high frequency and high rate.

For example, your card limit is 10000, which is not overdue and has always been 10000. It hasn't been adjusted for three months. The code is operable. You can pay more, then swipe your card frequently with a high-rate machine, and then pay off the arrears in installments. After all accounts are entered, 80% of your card can be adjusted. If not, you can adjust the limit when the current bill comes out 100%.

2. Intermediary play of China Merchants Card

The intermediary game is mainly to increase the fixed amount in a short period of time, and the fixed amount card above 1 10,000 will increase the cash installment amount through the intensive care card with a maximum of three months, and directly increase the cash installment amount to 60,000 fixed and 5,000 temporary. The maximum monthly consumption of China Merchants Card shall not be less than 25, and the single transaction amount shall not exceed 10000. If you brush the capping machine, you will spend it in stages immediately, which will not affect the comprehensive score. More ways are used, such as installment, cash advance and cash installment, in order to remit money to the bank and increase the comprehensive score. Generally, bills are mainly used by stages, and bills are made by stages, which are divided into three periods. The third period is the most cost-effective figure. The amount shall not exceed 30% of the total consumption in the current month, and shall not exceed 50% at most. Cash advance can be done properly, but the investment promotion system changes greatly, so two comprehensive scoring methods, cash advance and cash installment, should be used cautiously.

3. Technology of increasing temporary amount

When the credit card holders of China Merchants Bank occasionally need to temporarily increase the credit limit due to insufficient credit limit, they can directly call the customer service phone of China Merchants Bank to ask for an increase in the temporary credit limit. China Merchants Bank credit card temporary limit promotion conditions generally require holding the card for more than 3 months. At present, China Merchants Bank is the fastest among card-issuing banks to increase the temporary quota. It can be approved at that time and can be used immediately after approval.

1. Call customer service directly and ask for extra temporary service. Customer service will cancel your quota and reapply.

2. Go to the website, cancel the temporary quota, and then reapply. However, the conditions for re-applying for temporary account cancellation are as follows: 1. The account date has just passed, and the minimum has been returned. Second, recent consumption is relatively strong, and credit card consumption is frequent.

Temporary quota can be adjusted to 0-3 times of 65438+ fixed quota. If the customer service doesn't agree, you can ask to transfer it to the supervisor, saying that it needs decoration, business trip and other reasons. If the supervisor doesn't approve, you can be relatively tough. If you can't apply for a fixed quota, you can reapply for a temporary quota before it expires (100% will pass), then the time will be recalculated for another month, and then you can call to add a temporary quota! This means that there is no difference between a temporary quota and a fixed quota, and it can be used for a long time.

4. Strategic retreat

1. Monthly consumption 15 times; 2. Pay the minimum monthly repayment; 3. You need to withdraw cash 2 to 3 times a month; 4. Small installment payment is appropriate; 5. You can choose to participate in the donation of Hong Kong dollars appropriately; 6. China Merchants Bank's automatic withdrawal system calculates the automatic withdrawal time period and automatically screens customers regularly.

There are four ways to withdraw cash from China Merchants Bank's credit card. Generally speaking, it can maintain more than 20 credit cards per month within half a year, and small consumption accounts for the vast majority, so it is best to meet the requirements of banks in this regard. In addition, if China Merchants Bank takes the initiative to raise the amount, it is better to say that spending abroad will increase the amount of US dollars. In fact, when your dollar amount increases, your RMB amount also increases.

This is the end of the introduction of credit card play and clever use of credit cards. I wonder if you found the information you need from it?