How to use a credit card?

What are the credit card swiping skills? How much have you mastered these points?

Credit cards are usually used by many people, but do you know the skills of swiping cards when using them? What should I pay attention to when swiping a card? Let me give you a concrete talk about it, so that you can master the skills of using credit cards at ordinary times and avoid some misunderstandings.

Usually, when you spend money by credit card, you should swipe as much as possible, and use credit card as long as you can pay by credit card. However, you should pay attention to the diversity of scenes when swiping your card, such as hotels, cinemas, shopping malls, restaurants and so on. Swiping cards in different places shows that cardholders have strong spending power. In this case, the bank will be willing to increase the credit card limit of the cardholder.

When using a credit card to swipe your card, you should avoid integers, because the pricing of merchants is generally decimal, and the best time interval for swiping your card is 3 hours, the last time is 60 minutes, and no more than 3 transactions are allowed. And avoid swiping after 10 pm.

When using a credit card to swipe your card, you should try to avoid swiping your card on a pos machine with no rate, because swiping your card on such a pos machine has no benefits. General government agencies, charitable organizations, university fees, legal services, wholesale, automobile sales, financial securities payment and other industries have no rates for POS machines.

When swiping a credit card, you should avoid sudden large amount. Such a large amount of consumption will be recognized as cashing by the bank, because the credit card cashing will reduce the amount or seal the card after being discovered by the bank, which is very unfavorable for users to use the credit card, so users should pay attention to this when swiping the card.

Finally, after using a credit card, you must repay it on time, and there can be no overdue repayment, because there will be penalty interest after overdue repayment, and the bank will charge it. After the deadline, the bank will upload it to the credit information center. When personal credit information deteriorates, it will affect various loans, such as car loans or mortgages.

How to use credit card correctly?

Proper card maintenance can increase the credit limit of our credit card. The following methods have passed the test of time and are considered to be the most effective by most senior cardholders.

1, swipe your card more.

2. Control the frequency and amount of credit card swiping.

3. Get the right credit card.

4. Handling installment payment or cash withdrawal business.

5. Seize the right opportunity to increase the amount.

6. Repay in time.

Skills of using credit card correctly

1. Pay attention to the combination of size and credit card limit.

Card friends who like to spend a lot of money need to pay attention. It is a good choice to brush a few small sums of money when you are free, which can not only prevent bank risk control but also increase the quota. Card friends who usually like to spend a lot of money in small amounts can sometimes spend a few large sums. Otherwise, they have been spending a small amount, and the bank will judge that the cardholder's consumption level is insufficient, so the quota naturally does not need to be increased.

2. You can't swipe an integer.

Maybe people don't pay much attention to the amount of credit cards when they swipe their cards. In fact, this will also affect the withdrawal amount. When swiping a card, the cardholder should try to avoid the same last three digits of the swiping amount, such as 1666, 1888, 1999, etc. And you can't brush the amount of1234,4567 like the landlord, which is not normal. The best credit card amount is 1845.

3. Do not brush merchants without points.

Most merchants without points have no cooperation with the issuing bank and can't make money, so users without points should not brush or brush less. Although the merchants without points vary from bank to bank, they can be roughly classified into three types of merchants: agriculture, rural areas, government, education, public welfare, transportation, convenience and refueling.

4. The card swiping time should be normal.

The cardholder's card swiping time should conform to the law, for example, it is best to swipe the card between 9 am and afternoon 10, and try not to swipe the card at other times. Of course, normal consumption can be ignored. If card friends with abnormal consumption have to brush, they should also brush the right types of merchants, such as bars, KTV, nightclubs and so on at night.

How do I charge my credit card?

1. You can spend it in a physical store as long as you have a POS machine.

2. You can bind Alipay or WeChat consumption, or you can shop online.

Generally speaking, the use of POS machines in designated merchants or online shopping on designated websites are considered as consumption. Specifically:

(1) Credit card for medical treatment: If a hospital uses POS, it is generally calculated according to consumption. But if there is an ATM in the hospital, you can withdraw money from the ATM and pay the fee.

(2) Paying the mobile phone fee is a transfer, not a consumption. Is to transfer the money in your account to China Mobile (or China Unicom or China Telecom), and the transfer is regarded as cash withdrawal.

(3) electricity purchase, as above. Transfer to the power company, and the transfer is regarded as cash withdrawal.

(4) Pay the membership fee online. Dual-currency credit cards can be traded online on domestic and overseas websites. If you do business according to the general online shopping method, that is, online transactions are counted as consumption. But if it is online transfer, it will be regarded as withdrawal.

(5) Online shopping is regarded as consumption.

(6) Online payment of the annual Internet access fee and transfer are regarded as cash withdrawal. To sum up, under normal circumstances, shopping with POS machines counts as "consumption" and online shopping counts as "consumption". In the consumption part, the online consumption, house purchase, car purchase, wholesale, public welfare and other consumer transactions of merchants identified by banks that cannot accumulate points enjoy points.

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How to correctly swipe a credit card?

Credit card is a common consumption tool in our life, such as shopping in the supermarket, buying tickets, eating and so on. However, some people may ask: How to swipe a credit card is the correct way to increase the quota?

Here are three ways to organize for everyone:

1, try to diversify consumption patterns.

Credit card fees are an important source of banking income. Like the installment service fee, banks also want cardholders to swipe their cards more, but they can't swipe them indiscriminately. It is recommended that you spend about 65,438+00% of the total credit card amount each time. Don't spend it all at once, but spend a small amount at multiple merchants.

2. Don't swipe your card at an inappropriate time.

Some people like to brush tickets to the cinema in the middle of the night, or brush POS machines at breakfast shops in the evening. These are taboo. If the bank detects that the credit card is abnormal, it will trigger a system warning, and in serious cases, it will directly reduce the limit.

3. Do moderate staging.

Banks are profitable enterprises. If the cardholder has a high quota but does not swipe his card for a long time, the bank will also reduce the quota. Similarly, if our quota is low, but every time it is phased, the bank will be happy to increase the quota.

In addition, there are some details that need our attention: for example, don't lend your credit card to others, don't use a third-party non-compliant POS machine, and don't transfer money in the name of others.

How to spend the credit card?

First, the physical store credit card consumption

For example, supermarkets, shopping malls, hotels, restaurants, hospitals, railway stations, airports and other places, that is, places with POS machines, can use credit cards for consumption. With the development of the Internet, cashless consumption is now advocated, and these places can also use Alipay or WeChat wallet for consumption, which belongs to the next consumption mode. Generally, all merchants marked with "UnionPay" and "VISA" support credit card consumption.

Second, bind Alipay or WeChat for consumption.

Take Alipay as an example. After punching in Alipay, click Add Bank Card to bind the credit card to Alipay. Wechat is similar. When spending in shopping malls or other places, use Alipay or WeChat to pay, then choose this bank card and use this credit card to complete the consumption.

Third, online consumption.

If online banking is enabled on your credit card, first of all, when you use online payment software such as Taobao, Vipshop, Meituan, or some websites, such as buying air tickets in official website, you can directly choose to pay by bank card, so you can also use this credit card to spend money. Or bind Alipay and pay on the corresponding software. After spending six times with a credit card, you can waive the annual fee for the current year. Generally speaking, as long as you keep the normal loan repayment, there will be no other expenses except the annual fee.

Of course, all credit cards have loan limits. This credit line is dynamic. It will fluctuate slightly according to your monthly credit situation. If you have good credit, you can raise the limit, while if you have bad credit, you can lower the limit. If you use a credit card, you must ensure that it is within this limit, that is, the money spent cannot exceed this limit, otherwise you can't swipe your card. In addition, be sure to recognize your economic level, spend reasonably, and don't overdraw your credit card every time. This will easily lead to the situation that you can't repay the loan in time next time, which will lead to a bad credit record. Too many bad credit records will affect your subsequent credit card loans and the business of applying for loans at the corresponding banks.

This concludes the introduction of how to use credit cards and how to use them. I wonder if you have found the information you need?