Credit card maintenance refers to the process that cardholders accumulate good credit card records through appropriate methods, thus gradually increasing the credit card limit. The purpose of raising a credit card is to increase the credit card quota, upgrade a low-limit credit card to a high-limit credit card, increase the credit funds available to cardholders, and meet their own++needs.
First, the way to raise credit cards
1. Consumers can choose supermarkets, restaurants, home appliances, KTV, hotels, department stores, bread and cakes. , especially large chain institutions. The behavior of using credit card to make small payments is helpful to improve credit cards and increase credit cards.
2. Diversified consumption channels, diversified consumption in many aspects, such as home and travel. Secondly, the consumption place cannot be single. Credit cards are used in multiple locations, swiping cards for more than 30 times a month, and spending more than 60%.
3.POS machines are generally used for credit card consumption. The best time to spend credit card in a day is 9:00-2 1:00. You can't spend two or more times on the same card in a short period of time, and you need to separate them, such as morning, noon and evening or the next day. Every weekend or holiday, you can brush more while spending is strong.
It is best to control the consumption amount within 5000. Try to bring a decimal point when swiping your card. Don't swipe an integer (such as 8500) or a number close to an integer (such as 8002). You don't need to spend a lot of time swiping your card. Too high is not normal. Just once or twice a month will make the bank feel that you don't have enough money.
5. If the rate exceeds 0.6%, it is normal for the bank to stipulate 0.6%-0.75%. If it is too low, the bank will not make money, skip the code and face bank reduction or card closure.
6. You can't brush out the amount immediately after you pay back the money. There should be an interval, and don't pay it off at one time when you repay. Occasionally, you can repay in small installments, so that the bank can make some money and withdraw the amount faster.
7. Don't make overdue repayment, which will affect the credit investigation; Try not to make the minimum repayment amount, which not only has high interest, but also is not conducive to increasing the amount; Use temporary lines occasionally.
What is a credit card?
1. Credit card maintenance means that professional card owners can use multiple POS machines to simulate the continuous consumption limit, and the consumption types are diversified, so that the banking system can detect the current strong credit card consumption, thus increasing their credit card limit.
2. There is also a way to raise a card by card, that is, keep running credit cards, use the money from the last credit card to pay off the debt of the last credit card, and try to withdraw money from the++bank. This is a credit card with a card.
Extended data
The National Development and Reform Commission and the People's Bank of China jointly issued the Notice on Improving the Pricing Mechanism of Credit Card Fees (hereinafter referred to as the Notice). The reform plan of credit card fee was formally implemented yesterday, which not only canceled the industry classification, but also reduced the credit card fee.
Changes in related industries in Shenyang;
1. Many merchants in payment channels will not reduce their prices.
"The implementation of the fee reform policy is of great benefit to businesses. Judging from the comprehensive rate calculation, the rate of catering and entertainment merchants dropped by 53% to 63%, with a drop of more than half, which benefited the most; Merchants in department stores and other industries will be reduced by 23%-39%. Moreover, during the two-year reform transition period, preferential measures will be implemented, which will help businesses reduce costs. "Credit card analyst Meng Liwei introduced.
"Now we have many payment methods, such as cash, bank cards, WeChat and Alipay. Bank card is not the only payment method, so a single payment method that reduces the rate will not affect the price of our dishes. " A person in the catering industry in Tiexi District told reporters. However, in a grocery store near Jingxing Street in Tiexi District, customers still ask customers to pay credit card fees on the grounds of "small profits but quick turnover".
2. The cost and difficulty for cardholders to raise cards have increased.
Meng Liwei, a credit card analyst, said that it will be difficult for cardholders to raise cards in the future. Because in the past, cardholders could swipe their cards on high-rate POS machines, making it easier to withdraw money. However, after the new regulations cancel the industry classification pricing of bank card swipe fees, cardholders will face a problem, that is, no matter what kind of merchants swipe their cards, the rates are the same. In this way, the diversified ways of swiping cards will be invalid, which will inevitably lead to the increase of the cost and difficulty of raising cards.
On the other hand, credit card consumption has become people's habit now, and even some large-scale consumption requires credit cards. However, after the implementation of the new regulations on credit card swiping, the upper limit of credit card handling fee has been cancelled, that is, the greater the amount of credit card swiping by the cardholder, the more procedures for delivery by the merchant, and some merchants will pass this fee on to the cardholder, which can also increase the pressure on the cardholder to use the card to a certain extent.
3. It has little impact on the third-party payment platform.
With the implementation of charging reform, people from all walks of life can't help worrying about the third-party payment market. Third-party payment is facing competitive pressure because of the reduction of bank credit card rate and marketization of pricing under the new regulations.
The reporter learned from some third-party payment platforms that some companies have made corresponding changes for the new regulations. For example, according to the new regulations, Lacarra has changed the service fees and network service fees of issuing banks from the current government-guided prices to market-regulated prices; The service fee of the issuing bank is subject to the differential pricing of receipt, and the service fee of UnionPay network is collected from the issuing bank and the acquiring institution in two directions; Generally speaking, the classification pricing of merchants' industries is cancelled.
Baidu Encyclopedia: Professional Cardholder China Economic Net Portal official website: The cost of raising a card has increased.
How to raise a card What is a card?
1. Credit card maintenance means that professional card owners can use multiple POS machines to simulate the continuous consumption limit, and the consumption types are diversified, so that the banking system can detect the current strong credit card consumption, thus increasing their credit card limit.
2. There is also a way to raise a card by card, that is, keep running credit cards, use the money from the last credit card to pay off the debt of the last credit card, and try to withdraw money from the++bank. This is a credit card with a card.
3. What are the hazards of raising a card?
(1) The high handling fee is meaningless to crush you.
As we all know, if you want to "raise a card with a card", you will face a very high handling fee whether you withdraw money through a credit card or by other means because the credit card cannot be directly transferred. In other words, once the road of "raising cards by cards" is opened, no matter which way is used, it needs to be taken away by banks or other institutions.
Take cash withdrawal by credit card as an example. Credit card withdrawal requires a certain handling fee, with daily interest of15,000 yuan, and annual interest of 18%. This interest rate is already very high. Moreover, credit card withdrawal is not a simple superposition of interest, but when the monthly bill date comes, the interest of last month will be automatically included in the principal of this month, which is the terrible "rolling interest" and the interest is even more amazing.
In order to avoid this high interest rate, many old railways use illegal "cashing" methods to raise cards. This way is illegal and it is easy to enter the blacklist of banks. Law-abiding people should try not to operate it.
(2) If the overdue pressure is broken, you will be finished.
The harm of "raising a card with a card" is that the interest rate is too high, and the second is that it is easy to overdue, because raising a card with a card easily gives people the illusion that I am rich and have no debt, and it is easy to further++people's desire for consumption, so the overdue pressure increases sharply.
There is a chain reaction to raising cards with cards. Once the cardholder suddenly faces any economic changes, such as unemployment, sudden economic tension, etc., it will directly lead to the break of the capital chain of raising cards with cards, which will directly lead to the overdue of many credit cards.
Once overdue, the consequences will be very serious. Not only will the bank further supervise the cardholder's trade fair, reduce the quota or seal the card, but the cardholder's personal credit will also be seriously affected, affecting the future mortgage and credit card processing, and even direct credit will be blacklisted, affecting daily life.
(3) divulging personal information and soliciting illegal activities.
Many cardholders use "keeping cards with cards". Because of the high interest rate, they don't use credit cards to withdraw cash, but use some illegally operated POS machines called "card-raising professional households" to swipe their cards. In fact, this way of raising cards is too dangerous.
Because POS machines are illegal and risky, personal information on credit cards can easily be leaked by swiping cards, and these leaked personal information can easily flow into the legendary "black market" and be used for various illegal businesses.
In fact, the spread of this illegal "card-raising" method has even attracted the attention of some police. Some local police even issued special risk warnings to warn credit card holders not to use these illegal methods, which may easily lead to new financial crimes.
What does it mean to raise a card with a card?
Question 1: What does it mean to have a credit card? Raising a card means that after the credit card is overdrawn, after paying a certain handling fee, the "cardholder" pays the overdraft fee first and uses the credit card to make false consumption on its own POS machine.
"Keeping a card with a card" is popular among urban white-collar workers, mainly by asking others to pay the handling fee to advance the overdraft fee of the credit card, and then making false consumption to ensure that the credit will not be damaged. Bankers have warned that "raising a card with a card" will easily lead to the disclosure of credit card information and be used by criminals for profit, while "raising a card with a card" is actually a cash-out behavior, which is prohibited by law.
Question 2: What does it mean to raise a card with a card? When the credit card overdraft limit is about to exceed the bottom line, we will take credit cards from other banks to fill the gap. This is to raise cards by cards. Generally, such people are slaves? For example, if my ICBC card is about to exceed the overdraft limit, I will apply for another bank's credit card, then apply for a bank card with the overdraft amount to fill the overdraft amount of the ICBC card and continue to spend, then use my salary to fill the interest to repay part of the overdraft amount, and then continue to work and live in a cycle in order to pay back the card money, thus becoming a card slave. H: The interest rate after overdraft is very high. Overdrawing another bank card is equivalent to paying off a debt. It's a little urgent It should be "apply for a credit card"? By the way, overdraft explains that when the credit card consumption is greater than the remaining amount on the card, the money that can be used in excess is overdrawn. The upper limit of overdraft credit card requires the relevant income certificate issued by you when you handle it. Credit cards can be handled in multiple banks. Then the general credit card overdraft shopping has a period of interest-free period, which means that there is no need to pay interest during this period. If the overdraft is too large, the bank will make a dunning, and if it fails to repay for a long time, the bank will charge you a++fee. So in order to avoid the bank's++to raise the card.
Question 3: What does it mean to raise a card with a card? The so-called "keeping the card with the card" means that the company first repays the cardholder with its own cash, so that the credit card shows normal repayment, and then "sets" the corresponding amount of cash on the card by swiping the POS machine and other false consumption methods. In this way, the cardholder's credit record will be normal and the cash will be transferred to the "card-raising" company. If this cycle goes on, the cardholder can delay paying back the money to the bank for several months without generating overdue interest. The "card-raising" company will charge a certain percentage of handling fees. In the final analysis, the "card-raising" company is to use the bank's interest-free period to set out the bank's money to lend.
This direct "card-raising" service for credit card holders in the form of false transactions has raised personal economic risks to legal risks.
How to raise a card
Cardholders only need to bring their ID cards, bills and credit cards. The bank doesn't know that the card company pays for you, which only shows that your credit card is good. Moreover, in the process of' raising cards', the company can also help you increase the number of swipes, and the bank will continue to increase your credit limit and points.
For ordinary POS machines, the handling fee charged by UnionPay is between 0.8%- 1.5%. In order to obtain higher profits, professional cardholders generally use POS machines with a cap fee in 20 yuan. So, after calculation, they will charge 250 yuan a fee of 10000 yuan, excluding the cost of 20 yuan, and the net profit will be 230 yuan.
hidden trouble
Raising a card is very risky. As long as the card company knows the cardholder's credit card, password, copy of ID card, statement and other important information, it is easy to overdraw again after repayment, or even go to other banks to pretend to be new cards, maliciously overdraw, and damage the cardholder's property.
The relevant person in charge of Jiangsu Banking Regulatory Bureau said that it is not excluded that some people will use the money for high-risk industries such as stock trading, investment and usury after cashing out through "card-raising companies". Once its capital chain breaks, cardholders will face huge debts, which will bring greater risks to the safety of bank funds. The Notice of the People's Bank of China and the Banking Regulatory Commission of China on Issues Related to the Prevention of Credit Card Risks clearly stipulates that it is illegal for cardholders to cash out and merchants to provide cash-out services. Financial institutions need to unite with industry and commerce, public security and other departments to form a joint force to further crack down on the underground "card-raising" behavior.
Question 4: What do you mean when people say that credit cards are used to raise cards? How to raise it? Five points is the time to rob Peter to pay Paul.
Under normal circumstances, the principle of keeping a card by card is to stagger the repayment dates of several credit cards. Before the repayment period, the first credit card is used for daily consumption, the second credit card is used for overdraft, and the debt of the first credit card should also be paid. By analogy, several credit cards are overdrawn in turn.
Question 5: What does it mean to have a credit card? The main purpose of raising a credit card is to increase the credit line, so that there will be more available lines when money is urgently needed in the later period!
Question 6: What does it mean to raise a card with a card? Is to be a slave! If one card is unable to repay after overdraft, apply for a second card and use the overdraft money to repay the overdraft of the previous card. The number of overdrafts is increasing, and finally the deficit is getting bigger and bigger!
Question 7: How to raise a card with a card? 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.
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. "Consume" on behalf of others and "generate" money with cards.
Coup 2: Pay the bill by swiping the card, and cash it directly.
Every time a friend gets together, Yao takes the initiative to ask for the bill when he checks out. This is not because she is generous, but because she always swipes her credit card and her friends give her their money. In this way, Yao's credit card spending points are increasing, and she can get many small gifts. Whenever a friend has a large shopping demand, she will take the initiative to accompany her, and also pay for her friend with her own card and then receive cash. In this respect, Yao is not without pride. However, there is a handling fee for withdrawing cash by credit card, but her method is not needed at all, and she will still "borrow" money from the bank.
Reminder: There are many people who know how to enjoy interest-free discount with credit cards, but not many people are as smart as Yao. Of course, it is not easy for her to "pay the bill" for her friends and thus "borrow money" from the bank, because she is not always the protagonist in a friend's "cooking party", nor is there always a friend who needs a lot of money without a credit card, and some consumers can't get points, such as buying a car and building materials.
Coup 3: Earn the difference through indirect investment during the interest-free period.
Chen Xiaoyan's financial management is mainly to buy government bonds and funds. After getting the credit card, she found a new way to manage money by credit card: after paying her salary every month, she set aside a part of it for standby, and the rest of the money was used to buy money market funds, and she tried to swipe her card for her usual expenses. She set the fund redemption date two days before the credit card repayment date, which is equivalent to using the money from the redemption fund to repay the credit card. Although the current yield of money market funds is around 2%, it is still much higher than the current savings of banks. On the redemption date of the fund every month, Chen Xiaoyan will earn the difference between the two and get indirect "monetary" income.
Reminder: This method of using interest-free period to benefit from credit card investment funds is a good financial management skill. However, investment funds have certain risks after all. If you buy a fund in this way, you must consider your repayment ability to avoid being "fined" by the bank because of insufficient repayment ability and overdraft exceeding the credit limit.
Coup 4: 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. However, it is understood that the credit card applied by ordinary white-collar workers often has a maximum overdraft limit of only 5,000 yuan. To this end, many cardholders called the issuing 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 their credit card limit, they should use credit cards in the future, unless they cannot use credit cards. So regardless of the amount, they should use credit cards as long as they can use them frequently.
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. ...
Question 8: You didn't calculate the interest on the withdrawal date with the card, did you?
The interest on cash withdrawal by credit card is 0.5% per day. I'll calculate an account for you:
If you withdraw 1000 yuan and repay it in 50 days at the longest, then the interest you want to give to the bank is 1000 yuan, and the daily interest rate is 50 days =25 yuan.
Yu 'ebao is calculated according to the annual interest rate of 5% (note that it is the annual interest rate), so the interest you get by depositing 1000 into Yu 'ebao is 1000 yuan, and the daily interest rate is 50=6.85 yuan.
According to the above calculation, you will lose money in 50 days 18. 15 yuan. At the same time, if your bill is not repaid in full, it will also generate interest and cause greater losses.
Of course, other ways to reduce the handling fee are not excluded, because those ways may be illegal, and I don't want to say more here, which is risky, so in any case, I suggest you not to consider this operation method. Mobile phone typing is slow, please ask questions, I hope my answer will help you.
Question 9: How to raise a card with a card? For a detailed method, look at the repayment dates of your three credit cards, as long as there is no overlap (the date of the chicken payment on the same day is different from the date of the bill). Look at the cards that are about to expire. If you want to repay, you can use the other two cards to repay the cards that are about to expire, and so on. However, there may be a handling fee for general cashing.
Question 10: What does it mean to raise a card with a card? Different banks have different credit card bills. Overdraft the card limit of other banks to repay the bill of this bank card, and so on. . So you always have an extra sum to spend. But it is not a long-term solution. Use carefully.
What does it mean to keep the credit card?
Credit card maintenance is not superficial, but frequent use of credit cards, timely repayment, and increase the credit of credit card users. Thus increasing the quota.
Credit cards are raised as follows:
You must use a credit card when shopping. Whether you buy big items or go to the supermarket to buy groceries, credit cards are recommended as long as they are supported.
Timely repayment, if you often use credit cards but don't repay them in time, you won't achieve the effect of raising cards;
It is also helpful to spend a lot of money occasionally to make the banking system think that you have the wealth ability, and to increase the credit card limit.
In a word, credit card is a kind of deliberate consumption, which is used to increase the credit card limit in case of emergency.
That's all for the introduction of what it means to raise a card with a credit card.