The strongest strategy: the core rules of credit card maintenance and rapid withdrawal!

2+2+20 rule for credit card withdrawal

The first 2 is the 2 major principles, the second 2 is the two cores of the sum, the so-called 20 is the 20 lifting skills.

Credit card withdrawals are an old topic that we often discuss. Different banks have different rules and techniques, but they also have the same.

2 principles

There are two basic principles for the amount of repayment. The first is that the bank feels that the credit line given to you will not become bad debts, that is, the security of funds; the second is that the bank feels that you can make it profitable and profitable; The amount is based on these two principles. All our card-raising skills are carried out around these two points. For example, the safety of funds is how to properly brush POS machines, use cards reasonably, and how to safely brush pos machines. I have said it before; let the bank make money, when it comes to the essence, it is more than a brush.

2 core

One is the number of card swiping, and the other is the appropriate staging. To raise the amount, you must make any other skills meaningful after the number of credits is sufficient. If you have a small number of credits per month, it is useless to learn any credit card lifting skills, because the most basic The failure to do so, the so-called security card, the so-called bank making money, is based on the number of credit card sufficient, the other point is the appropriate phase, only the appropriate phase to let the bank taste the sweetness, the bank will pay attention to you, But to the right amount, too many stages will make the bank think that your economic situation is bad, so you can control the situation.

20 tips for lifting

1. Don't overdue. Putting it on the first point also shows its importance. Once it is overdue, it is impossible to raise the amount.

2, a lot of card, that is, brush water, the more water, the more helpful the amount.

3, diversified consumption, this is also to avoid bank sub-control, a single consumer bill will only let you slowly increase or even deduct.

4. For the Bank of Communications credit card, it needs to be quietly raised. If it has not been used for normal use, put it in the drawer and let it calm down for a few months.

5, appropriate staging, but this is also based on the extent that you can accept, after all, the cost of staging procedures is not low, the number of instalments can be less, so the handling fee is also lower.

6, fixed deposit, this is based on the establishment of a certain economic strength, in the credit card holder's savings card deposit a deposit, the larger the amount, the longer the deposit time for the credit card withdrawal month, Can't take it out after the amount is raised.

7, overseas consumption, more overseas consumption, the amount can be immediately upgraded, but if it is processed overseas POS machine consumption, Xiao Bian recommended that rather than, because these overseas consumption is fake, how can there be so many real overseas POS Machine, the risk is very high, it is not recommended to try.

8, do not minimum repayment, if you really need, do not do it often.

9, more small-scale consumption, of course, there must also be large consumption, control the proportion.

10, monthly consumption reaches 30% of the credit card amount - 80%, preferably 80% or more, but be careful not to empty the card.

11, brush the POS machine with points, of course, there is no such thing as a capping machine.

12. In the process of using the credit card, there is an increase in the immovable property certificate, and the bank will be supplemented with the certificate in time.

13, use more temporary quota.

14. Reasonably brush the POS machine, and the amount of the card should be matched with the merchant.

15, more high-end consumption, indicating that they have economic strength.

16, the curve of the amount: re-application card attention to the card species, and pay attention to the bank, the different bank curve to increase the success rate is not the same, so do not blindly operate.

17. The rotten card reiterates that, like some low-ranking dying, the bills for more than half a year are very bad, then the destruction is re-applied according to the plan, and the probability of raising the amount is several times higher than before.

18, the minimum repayment, may everyone say the contradiction with the previous, in fact, there is no contradiction, the minimum repayment in the long-term will not give you a bank credit card can try, maybe it will succeed, but still can not be the longest minimum repayment.

19, credit card to stay 20% - 30% of the amount, this is also the intermediary to raise the card skills, if it is an individual, then it is really better to use it.

20, the bank's choice, choose banks that are easy to raise, such as China Merchants Bank, if the bank chooses wrong, it also needs to waste a lot of time costs.

Reasons for derating and sealing when raising a card

If your card has been derated or blocked for a while, it may be caused by the following reasons:

1. By submitting information through the intermediary, as long as there is a suspected fraud, it will be directly blocked.

2, at the same time for several months in the same POS machine to repeat the card, and just finished the payment on the POS machine once, so it is easy to be recognized by the bank as a credit card TX, of course, is also the type of the card.

3, the same card monthly fixed period in the same POS machine to brush the full amount, will seriously occupy the bank funds.

4. There are transactions beyond the normal operating hours. For example, there are transactions after the merchants in the wholesale market leave work.

5, in a short time too much to pay with Alipay, such as CITIC single pen up to 1000, multiple times 998,995,899,999 and other similar figures.

6, the credit card is in the long-term empty state, such as the repayment date integer into a short time, the integer comes out, the other time there is no credit card record and less than 2 pens, the system can be detected in the background system for several months. It is also detectable that your credit card can be swiped regularly with your own POS machine.

7, integer single transaction, such as 100000, 100050, 200040, 9998, are suspected of cash. The same card has transactions on two or more terminals within 30 minutes, whether successful or not, including checking balances.

8. Overdue credit card overdue repayments. When the cardholder has repeatedly overdue or the overdue amount reaches a certain amount, the bank will consider that the cardholder has malicious overdraft consumption behavior, and the bank will not only seal the card, but also hold the card. People are included in the blacklist of the bank.

Therefore, the details to be paid attention to by the card are more, not what you want to brush, it is best not to cross the high voltage line.