hasn't written credit card-related content for a long time. Today a friend happened to ask, so I reorganized some credit card-related content I wrote before.
At the same time, in order to facilitate everyone's memory, I have sorted out the previously messy content into "8 prohibitions, 7 disclaimers, 5 suggestions, and 4 notifications".
is quite a more informative content, so I suggest you collect it.
card "8 prohibitions", each one will touch the risk control red line
- prohibit overdue repayment;
- prohibit frequent query of credit card balance;
- prohibit long-term continuous consumption in the same merchant;
- prohibits repayment once after
- prohibits repayment Sexual empty balance;
- prohibits the use of unknown POS machines to swipe cards, such as second-clearing machines or unknown brand POS machines;
- prohibits the use of repayment immediately after repayment;
- prohibits a clearance amount;
- prohibits ATM machine withdrawals;
- prohibits ATM machine from withdrawing cash;
- prohibits ATM machine 7
avoids "7 not recommended" that may touch the card risk control red line
- does not recommend swiping cards with the same credit card three times a day;
- does not recommend swiping cards more than two consecutive times within 2 hours;
- does not recommend borrowing on the same day and repaying on the same day;
- does not recommend repaying on the same day;
- does not recommend swiping regular number amounts, such as 6666/8888/12345, etc.;
- does not recommend repayment on repayment day;
- does not recommend swiping card before 9:00 in the morning;
- does not recommend swiping card after 23:00 in the evening.
Credit card credit card amount increase "5 suggestions"
- suggests that the amount of a single card swiping should not exceed 50% of the total amount;
- suggests that the amount of a single card swiping should not exceed 20% per month;
- suggests that the amount of a monthly card swiping should be about 20 transactions with different card swiping amounts;
- suggests that the amount of a purchase exceeds 8,000 yuan will be placed in the afternoon or weekend;
- suggests that the card maintenance period is 3 to 4 months.
Credit card "4 notifications"
- Credit card maintenance is to increase the amount in case of future needs. Do not be confused with credit card cash-out consumption.
- The so-called card maintenance skills are just to speed up the increase in credit limits, not to increase the credit limit out of thin air.
- Bank is not stupid. It is impossible to raise your credit limit when your debt ratio remains high and there are a lot of overdue records.
- If you have considerable income, low debt ratio, and good credit history, as long as you ensure your daily card consumption habit, the bank will definitely increase the amount on your own, and you may not notify you after the amount increases.
Therefore, a stable personal and good credit history are the core factors for credit card increase. Therefore, whether using credit cards or loans, you must maintain good repayment habits and restrain your consumption desire. This is the right way.
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