In fact, the purpose of raising cards is to increase the amount of credit cards, and it is of little significance to simply increase the number of credit cards. According to my personal experience, there are basically two ways to increase the quota: high monthly consumption and high self-income ability. However, relying too much on consumption to raise the card is a bit of putting the cart before the horse. After the card amount reaches a certain level, it is more difficult to raise it again. Generally speaking, the total amount of 2-3 credit cards is10-200,000, which is basically enough for ordinary people. Even for a luxurious trip to Europe, this quota is completely sufficient. And you have to pay back the money by credit card, which is not free, so the higher the amount, the better.
Like my usual monthly credit card limit is not very large, just daily consumption. However, as long as my tax payment is large, the credit card center will call me to raise the amount. One of my credit cards directly mentions 1.5 million, which is usually enough, and there is no need to withdraw the amount by credit card.
Many friends asked me, "Small company, how many credit cards are best for us?" I think this question is actually quite interesting, because handling credit cards is not only a matter of quantity, but also some skills.
First of all, I don't advise you to make a pile of cards. It's really out of control There may be some cards that cannot be used. Moreover, these cards lie in their pockets all the year round and may have to pay management fees; Or use it directly. We use it loosely. If you forget your credit card, it will still affect your credit. Of course, it is also possible that some friends have more cards and spend a lot of money.
So I don't think it's necessary to get many cards, so I guess many friends, like me, only have one card. Actually, one card is enough. If it doesn't cost too much, I think a card will do. So if someone says I want to split the card, what should I do more?
I suggest that you can apply for three certificates. Of course, these three cards have different functions. For example, we can divide it like this:
The first card is the main card, so this card can choose a bank with better service and the amount is relatively large. With this card, we can basically pay some large expenses.
The second card can be set as an activity card. Many banks and shops, such as supermarkets and cinemas, often do some activities. Besides the above, there is also a very important restaurant. For example, you can get a discount if you eat with a bank card. Where to go to the movies, you can buy tickets for 10 yuan and 20 yuan. A card like this basically solves our daily consumption of these activities.
What is the third card for? This is going to talk about the bookkeeping problem that many friends care about. Many friends want to keep accounts, but it's too much trouble, especially what kind of consumption are they facing? For example, I bought a bottle of water, ate a fast food and bought some small things today. This kind of account is particularly trivial. It may take 10 minutes, 20 minutes to remember these things every day. Too much trouble!
Then you can use the third credit card to solve this problem. This card is specially used to pay for these small expenses, such as buying water, an ice cream, a small card and so on. Then at the end of the month, as soon as the bill of this card fell, all this small account was settled.
Of course, you will spend a lot of money. In fact, there are not many things, which are easier to remember. So if you want to use it separately, I suggest separating the functions: one for the big one, one for the activity and one for the small one, which is enough.
Of course, when it comes to the use of credit cards, there are many skills, and I think many card friends have also summed them up: which bank has good service and which bank has more activities, and so on. We also compiled a ranking of credit cards last year, which was summarized by some card friends. Pay attention to private messages and I will reply to the credit card ranking.
I'll teach you how to raise cards: 1, you can't brush all the cards empty, but leave 10%-20%. 2. You can't always brush integers. 3. swipe your card between 8 am and 1 1 every morning. 4. Brush in the morning and afternoon, no more than 3 times a day, and the interval between swiping cards is more than 4 hours. 5. The number of swipes per month is more than 25 times. 6. Pay a small installment every three months. 7. It is best to repay in full the next day according to this method, and most banks will be able to withdraw the amount soon. . . Reminder: Add WeChat b2836724606 to send the cash withdrawal card for free.
Zhang's salary belongs to the upper-middle level, and his life was still moist. However, since I bought a car, I have to pay back a car loan of 3,500 yuan every month, and the monthly consumption expenses such as gasoline and maintenance are also very expensive. Life is much more tense than before. Once, Zhang talked about it with a friend who works in a bank. The latter suggested that she go to the bank to handle three credit cards alternately, so that she could enjoy a small interest-free loan for 50 days, which greatly eased the pressure on car loans and daily consumption. Zhang handled three credit cards, and the billing dates were 5th, 1 1 day and the end of each month. During the period from 6th to 12 every month, you can get the longest interest-free period by swiping the card with 5 journal days first. 12 to 30, and the bookkeeping date is 1 1. 1 5 swipes the last card every month. In this way, the large monthly consumption can be broken down to nearly three months.
Reminder: Although you use a credit card, you can enjoy the longest interest-free period if you start spending on the second day of the billing date. But with more credit cards, the date of the bill is easily confused. Therefore, in addition to reasonably grasping the consumption quota of each card, we should also make a detailed list, which should not only record the bill diary of each card clearly, but also list the repayment date item by item to avoid being punished by the bank for delaying repayment.
Coup 1: "Raise the card with the card" to reduce the repayment burden
Zhang's salary belongs to the upper-middle level, and his life was still moist. However, since I bought a car, I have to pay back a car loan of 3,500 yuan every month, and the monthly consumption expenses such as gasoline and maintenance are also very expensive. Life is much more tense than before. Once, Zhang talked about it with a friend who works in a bank. The latter suggested that she go to the bank to handle three credit cards alternately, so that she could enjoy a small interest-free loan for 50 days, which greatly eased the pressure on car loans and daily consumption. Zhang handled three credit cards, and the billing dates were 5th, 1 1 day and the end of each month. During the period from 6th to 12 every month, you can get the longest interest-free period by swiping the card with 5 journal days first. 12 to 30, and the bookkeeping date is 1 1. 1 5 swipes the last card every month. In this way, the large monthly consumption can be broken down to nearly three months.
Coup 2: swipe your card as much as possible and increase the quota.
Many people hope that their credit card limit can be larger, so that they have greater credit card authority in the process of consumption. To this end, many cardholders called the card bank twice to ask for an increase in the quota, but the bank often told them that it could not increase the quota on the grounds that the frequency of swiping cards was not high enough. Therefore, if the majority of cardholders want to increase the credit card limit, they will use credit cards in the future unless they can't swipe their cards. Therefore, regardless of the amount, credit cards are used as long as they can be swiped, and the frequency of credit card use is very high. However, many people do credit cards not for consumption, but for doing business with credit card funds. If they need to withdraw credit card funds for business, they can swipe their credit cards by hand and pay your deposit every second.
In fact, to apply for a credit line from a bank, the bank must first judge whether you have this demand. It should first check your card usage, see if you are a new card user, check your consumption record, and then see if your credit limit is really insufficient. It is obvious to swipe your card more frequently, which will help to increase the quota, but it must be remembered that you should pay back in time after swiping your card, and there should be no bad records such as default or payment of late fees and penalty interest.
How about getting more credit cards?
Although you use a credit card, you can enjoy the longest interest-free period if you start spending on the second day of the bill date. But with more credit cards, the date of the bill is easily confused. Therefore, in addition to reasonably grasping the consumption quota of each card, we should also make a detailed list, which should not only record the bill diary of each card clearly, but also list the repayment date item by item to avoid being punished by the bank for delaying repayment.