19 points to note when using a credit card
1, single card swipe times more than 5 times a week, more than 20 times a month. A reasonable monthly increment, 25-30 works per month the best.
2, the amount of credit card to small combined with large consumption, if they are small consumption, the bank will not list you as a high-quality customer, often have large consumption to prove your consumption level.
3, avoid the bill day on the large amount of the whole amount of empty, basically a hollow also this time back, immediately will be the bank wind control. And after March, the wind control is getting more and more strict, don't die.
4, single card daily swipe 1-2 best. And brush the same card to be spaced at least 3 hours, brush different cards to be more than 5 minutes apart.
5, a single consumption is best not more than 50% of the total card, of course, the low quota does not say, even if it is all real consumption, it is best not to concentrate on the quota brush finished.
6, no one in the POS machine to check the balance and then swipe the card
7, in one day, the same card do not brush more than 3 times.
8, swipe tail not always 0, 6, 8, 9 these numbers, swipe card do not swipe after the three digits of the same, such as, 23333;
9, swipe time is best at 9 a.m. - 10 p.m., this time merchant business hours, the rest of the time try not to swipe cards.
10, occasionally in stages. In particular, now the bank will take the initiative to call to ask for installments, many are spending money to buy the amount, can be divided into a small short-term installment, so that the bank can also make a small amount.
11, try not to brush the credit can be completed, leave 10%-20% or so, the bank will not think you are very short of money. Of course, if the card's amount is already low, it is too short to tell the bank that the credit card is too low.
12, as far as possible the choice of credit card has points of merchant consumption.
13, have temporary quota eligibility to use temporary quota, temporary quota is about to expire, the general bank will also remind you whether to continue for a period of time, this time do not hesitate, say yes, of course, to remember the temporary quota rules, do not fall into it.
14, if a swipe failed, do not try low credit card, even if successful, the risk is too great, so to grasp the card balance in real time.
15, with the card time, card time more than half a year, and monthly transaction volume, on time repayment, the basic amount of success rate is higher. The vast majority of banks, six months later can apply for the first mention, after three months, must take their own initiative to apply. Some banks can only be invited, when the call, the amount can be raised.
16, overseas consumption to the amount of money to help a lot, if you can travel abroad to shop, be sure to bring a credit card to brush. And there are too many overseas activities, all kinds of cashback, points doubled, it is easy to swipe the card when another.
17, there is free money in the bank to make a deposit, buy a bank money. Letting the bank know that you have free money to invest will have a better understanding of your economic strength, which is the best way to limit your money.
18, do not pay a one-time repayment, and a one-time brush out. Especially in the repayment date also go in, and a one-time brush out, this is a big taboo.
19, do a lot or can not increase the credit card limit, it is time to try the freezing method, completely suspend the use of the card, or pretend to sell the card.
