1. If the customer receives a short message from the bank prompting to use the card, he must be careful. Banks are likely to carry out risk warning, mostly because customers have not used their cards well recently, resulting in bad card use behavior, which leads to increased account risk. Customers must pay attention to using the card well afterwards to avoid bad card use behavior, otherwise banks are likely to take risk control measures and credit cards are likely to be restricted.

Second, always swiping the card during non-commercial normal business hours such as morning and midnight, often swiping the card at the same merchant or POS machine, or always swiping the card in a large amount, are all considered as bad card use behaviors, because such operations can easily make banks suspect that customers are cashing out, and cashing out is illegal. Also, customers must remember to repay on time to avoid overdue behavior, otherwise the card is likely to be frozen. If you can't pay off all at once, you can choose to apply for installment or minimum repayment.

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1. Specification for card requirements.

1, card swiping is forbidden. It is forbidden to brush all the quotas at once. It is recommended to brush it in several times, and it is not allowed to brush it out immediately after repayment, otherwise it will be controlled by the wind.

2. Credit card time. Pay special attention not to swipe your card at midnight. Choose normal business hours during the day, otherwise it will be considered as malicious cash withdrawal by the bank. 3. Credit card amount. Remember not to brush integers, which is in line with daily consumption scenarios, and the same large amount does not brush decimal points. It is also in line with consumption habits.

4. Number of swipes. Generally speaking, customers who swipe their cards 20-30 times a month are high-quality users, while customers who swipe their cards 1-2 times and finish them all are easily classified as black households.

5. Repayment skills. Repayment on the billing date is easy to be considered as an honest customer by banks, while repayment on the repayment date is easy to become a risky customer. Of course, the delay in repayment will affect the credit information, please think twice.

6. installment payment. It is suggested to use staging after swiping the card, which is beneficial to the withdrawal of the amount. Generally, it is appropriate to use it in stages of 3 to 6 months, but it is necessary to pay attention to the use of small stages, otherwise it will be considered unable to repay.