Pos machine maintenance card
13 card raising skills
1. Pay attention to two dates: bookkeeping date and repayment date.
Generally, the repayment date is 20 or 25 days after the bill date, with the longest interest-free period and the shortest interest-free period.
2. Credit card (debit card) information should be protected.
There are three key information on the face of a credit card (debit card): card number, expiration date and CVV code, which affect your card safety, especially the CVV code, which is as important as the password. It is recommended to cover CVV code with correction fluid or sticker, and some people are even worse. Scrape off the CVV password with a blade and remember these three numbers.
3. Diligently handle credit cards, in order to avoid annual fees; Only when the repayment is made on time can the amount be withdrawn.
General credit card (debit card) can be swiped six times without annual fee. So be sure to pay the annual fee. In addition, we can increase credit cards (debit cards) by swiping more cards and frequently. At the same time, being able to repay on time and maintain a good credit record is also a way to improve the credit limit. In addition, I would like to introduce another way to raise the amount, that is, to do more credit card (debit card) installment, so that the bank can make your money, so that the amount can be raised faster. This method has cost and should be used with caution.
4. Choose the repayment method that suits you best.
In this information age, repayment methods are diversified, and you don't have to go to bank outlets or ATM to transfer repayment. Credit card (debit card) repayment methods include Alipay repayment, debit card binding automatic repayment, UnionPay online repayment, online banking transfer repayment, Tenpay repayment and so on. So, choose the way that suits you and repay in the quickest and most convenient way!
5. If the cash flow is not good, or the repayment is delayed due to something, you can call customer service to apply for deferred repayment.
That is to say, if your funds can't be turned over temporarily, or repayment is delayed due to some things, then don't worry, call the bank customer service immediately and apply for an extension of repayment for one to three days. General bank customer service will help you postpone!
6. What if the funds are tight? Apply to change the bill and extend the interest-free period.
When applying for changing the bill date, we should pay attention to calculating the bill date and time, enjoy the longest interest-free period, and relieve the pressure of tight funds. However, this skill is not available every month. It is said that some banks can only apply for change once every six months, some banks can only apply for change once a year, and some banks can only change once in their lifetime!
7. Say no to all unreasonable charges
Anyone who has unreasonable charges for credit cards (debit cards) can call customer service and bargain with customer service to apply for cancellation of unreasonable charges. If the customer service doesn't agree, you can stick to the complaint until the end, and generally win the case.
8. Carefully use credit cards (debit cards) by stages.
The installment interest of credit card (debit card) is very high, even if it is interest-free, the installment fee is not cheap, so use it carefully and don't let the bank earn a dime! Of course, unless you can't repay your credit card (debit card) on time under special circumstances, unless you want to increase the credit card (credit card) limit as soon as possible.
9. Pay attention to various credit card (debit card) consumption traps.
Always remind yourself to be wary of all kinds of credit card (debit card) consumption traps, such as the good credit line provided by Bank of Communications, which are all micro-credit loans with extremely high interest rates. Anyone who sells by credit card (debit card) will refuse, and anyone who sells insurance by credit card (debit card) will refuse!
10, try not to use it for cash withdrawal.
Credit cards (debit cards) cannot be used to withdraw cash. Credit card withdrawal is not allowed unless you need emergency, very, very urgent. That fee and interest can't be hurt! Remember, credit cards (debit cards) are used for consumption, not for cash withdrawal!
1 1. Don't deposit money in a credit card (debit card).
Putting money into a credit card (debit card) is called overpayment, and it is difficult to withdraw money when saving money. Generally, credit cards (debit cards) need to pay a handling fee to withdraw the overpayment, so don't deposit money in credit cards (debit cards) unless necessary.
12. Do credit cards (debit cards) have passwords? with different opinions
Some people say that it feels like streaking without a password. So, do credit cards (debit cards) have passwords? Different people have different opinions. Generally speaking, credit card (debit card) is safer without password, but the key is to see if the bank provides you with card loss protection.
According to the consumption habits of China people, it is best to use a combination of signature and password to swipe your card. Pay attention to develop good credit card habits in daily life, protect your credit card (debit card) information, and report the loss in time once it is found to avoid greater losses.
13. Clever use of official WeChat of credit card (debit card) to run consumption reminder.
At present, some credit cards (debit cards) can immediately run consumption reminders as long as they pay attention to the official micro-signal of the credit card (debit card) and bind the credit card (debit card) account, such as China Merchants Bank and Guangfa. Consumer reminders are free and don't cost a penny.
Credit card (debit card)
19 card experience
1, the number of swipes per card is more than 5 times a week and more than 20 times a month. Reasonable monthly increase, 25-30 strokes per month is the best.
2. The credit card limit should be combined with large consumption. If it is trivial and small consumption, the bank will not treat you as a quality customer, and there are often large consumption to prove your consumption level.
3. It is forbidden to empty the quota in a large number of integers as soon as the account is issued. Basically, it was hollowed out at this time and immediately controlled by the bank. And after March, the risk control is getting stricter and stricter, so don't die.
4. It is best to swipe 1-2 cards per day for a single card. And the same card should be brushed at least 3 hours apart, and different cards should be brushed at least 5 minutes apart.
5. It is best not to spend more than 50% of the total card amount at one time. Of course, if the amount is low, even if it is real consumption, it is best not to concentrate on brushing.
6. It is forbidden for anyone to check the balance on the POS machine before swiping the card. This is a proposition.
7. Don't swipe the same card more than 3 times a day.
8. Don't always use 0, 6, 8 and 9 as the card mantissa; Don't swipe your card with the same last three digits, such as 23333; Don't be an integer, such as10000; Not straight, like 5678.
9. It's best to swipe your card from 9: 00 am to afternoon 10. During this period, businesses are open, and try not to swipe your card at the rest of the time.
10, occasionally in stages. Especially now, banks will take the initiative to call for installment, and many of them spend money to buy cash withdrawals, which can be divided into a small short-term installment, so that banks can also make a small profit.
1 1. Try not to empty your card. Leave 10%-20% or so, and the bank won't think you are short of money. Of course, if the credit card is already low, then tell the bank by swiping the card that the credit card (debit card) is not enough.
12, choose merchants with credit cards as far as possible.
13. If you are eligible for the temporary quota, use it. The temporary quota is about to expire, and the general bank will remind you whether to renew it for a period of time. Do not hesitate to continue at this time. Except for the four major banks, it is generally easier to transfer quotas. Of course, remember the provisional quota rules and don't be trapped.
14. If you fail to swipe your card once, never try to swipe your card with a low amount again. Even if it is successful, the risk is too great. We should grasp the remaining credit of the card in real time.
15, card use time, card holding time more than half a year, and monthly transaction volume, timely repayment, high success rate of basic line. Most banks can only apply for the first mention after half a year, and then apply every three months, so they must take the initiative to apply. Some banks can only be invited. When the phone calls, just ask the number.
16, foreign consumption is very helpful to increase the amount. If you can travel and shop abroad, be sure to bring your credit card (debit card) and swipe it hard. Moreover, there are too many overseas activities, and all kinds of cashback double points, so it is easy to swipe your card again.
17, if you have spare money, go to the bank to deposit and buy bank wealth management. Let the bank know that you have spare money to invest, and you will know more about your economic strength. This is the best way to limit the quantity.
18. Don't brush it out once after one-time repayment. Especially on the repayment date, it is taboo to pay it back and brush it off at one time.
19, I did a lot, but I couldn't get the amount. It's time to try the freezing method, stop using it completely, or pretend to cancel the card.
So credit card (debit card) is a financial management tool. If you use it well, it can help you save money and earn money.