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.