How to use a credit card to quickly increase the limit? I'm here to tell you that if you want to increase the credit card limit, you must meet one premise and two laws, which is also the valuable experience summarized by Afu's financial team after countless practical operations.
A premise:
This premise means that your credit card must be used for at least 6 months to qualify for withdrawal. Of course, some banks have lower requirements, and it only takes three months to apply for withdrawal, which is a hard condition that you must meet before applying for withdrawal. It is also an observation and evaluation period before the bank raises the amount for you.
For details of line 14, please refer to the withdrawal schedule of line 14, and how long each bank can withdraw fixed and temporary funds.
Binomial law:
That is, the bank's two evaluation criteria for your credit evaluation during the observation and evaluation period:
First, prove to the bank that you have certain spending power.
If you want to prove to the bank that you have enough spending power, you must start from the following two aspects:
1. Consumption frequency: more than 15 times per month.
Wherever you can spend money by credit card, you should swipe your card decisively, whether it is a large amount or a small amount. Even if you go to the supermarket to buy a bottle of mineral water, the more merchants you spend, the better, such as supermarkets, department stores, pharmacies, high-end restaurants, KTV, hotels, air tickets, entertainment clubs and leisure centers. Even overseas shopping consumption must be covered as long as conditions permit. Bottom line: Like a bank, we fully prove that you are rich. If you are an intermediary to raise cards for others, the focus is on simulating real consumption, which can be used as a reference and has great practical significance!
2. Consumption amount: 80% of the quota.
Credit cards generally have spending limits and cash withdrawal limits. It is safest for us to try to control the amount of credit card consumption to 80% of the consumption limit every month. Of course, it's ok to have your card maxed out occasionally, but there are two points that need special attention:
(1) Spend at least 10 times a month.
(2) The single consumption amount cannot exceed 90% of the total amount.
If the above situation occurs for three consecutive months, it will be automatically deducted by the People's Bank of China, and the consumption function of the card will be suspended for the second time. If you swipe your card on a pos machine without points or rates for three times in a row, the card will be blocked or the limit will be reduced to 1 yuan. Don't think I'm talking nonsense here. You can try if you don't believe me. I believe you will learn something from a pit, unless you are smart enough to learn valuable experience summarized by predecessors!
Second, prove to the bank that the funds used by the card are safe and secure.
To prove this, you need to repay in full and on time before the repayment date of each month.
Credit cards need to be repaid every month from the second day of the billing date to the last repayment date. The repayment amount must be as full as possible according to the amount on the bill. Of course, it is also helpful to pay the bill in installments occasionally, but in most cases, it is recommended to pay in full. Never pay the minimum repayment. Once you use the minimum repayment amount, the bank will think that you have no money. Imagine a man without money. Will the bank lend you more money?
But in order to achieve the above two points, we need to spend on various occasions, and we must all be high-speed machines with integral, and the consumption amount is almost critical.
This is bound to cause more than 90% card friends to have the following two major problems:
1, expenditure is greater than income, resulting in income loss.
Some people spend money on high-end occasions at all costs in order to simulate the consumption of real scenes, but they don't live within their means. Considering the consequences of high consumption, they were under great economic pressure when they finally repaid. Instead of raising the amount, they become slaves.
2. The maintenance cost of the card is too high.
Others, in order to increase the quota, go to various intermediaries after the card is maxed out, and spend huge sums of money to let these intermediaries help them raise their cards. The consequences of this are:
1) Your card is used by some intermediaries in some pos machines or even capping machines, and there is no score. After a long time, the direct result is that the card is downgraded or even blocked.
2) Need to find a number of intermediaries to carry out credit card maintenance on different high-rate pos machines, resulting in a high monthly card maintenance fee, which is not worth the candle.
Is there a method or strategy that can simulate the consumption of real scenes and reach the standard of consumption frequency and amount without paying a high monthly card maintenance fee, so as to easily and quickly increase the credit card limit? Also, how to be an intermediary to raise cards for others?
Of course, the answer is yes. I have updated a lot of articles on raising cards before. You can read the previous article and update some detailed operation steps for you later, so stay tuned!
[img] Credit Card 2583 and 432 1 Rules
The "2" in "2583" means that the cardholder's single consumption cannot exceed 20% of the total amount, especially for users who use large credit cards. We must keep this in mind. What banks like is the consumption mode of small amount and multi-transaction. If you spend too much at one time, the bank will doubt your consumption motivation and control your risk.
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The "5" in "2583" says that the cardholder's daily consumption cannot exceed 50% of the total credit card, for the same reason, because the bank's tolerance for large consumption is limited, unless the cardholder's merchant who swipes the card is particularly excellent, which can make the bank earn enough credit card fees.
The "8" in "2583" means that the cardholder's total monthly credit card spending cannot exceed 80% of the total credit card spending. No matter what bank, it will increase the overdue risk invisibly. In order to avoid this risk, banks generally don't give you too high a quota. Only in this way can the risk be controlled.
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Finally, there is the "3" in "2583", which means that each person's monthly credit card spending should not be less than 30% of the total credit card amount. This is the main consideration of the bank. If the cardholder's daily consumption is too small, the bank will think that you have wasted his credit line, which is naturally very unfavorable for withdrawing money.
five
At the same time, you can also check the credit card in your hand through the card friends in WeChat, from which you can know the status of your credit card, see if your card is abnormal, and what aspects of consumption you need to pay attention to. Usually take part in the bank's credit card preferential activities and keep the credit card limit between 50% and 80%, so that your credit card limit can be increased soon.
Generally speaking, the rule of 432 1 is as follows:
It is an investment law, which is used to guide the allocation of funds when people invest:
40% of income is used for investment, creating wealth and increasing wealth. Such as buying real estate, financial insurance products, stocks or funds. ;
30% of income is used for family living expenses to ensure basic living consumption needs;
20% of the proceeds are used for bank deposits, and they are committed to preserving wealth while having rapid liquidity;
10% of the proceeds are used for insurance planning and life risk management.
Generally speaking, it is reasonable to consume family finances according to this law.
If the 432 1 rule is applied to credit cards, it should be like this:
40% is 100-300 yuan's micro-credit card.
30% of the retained amount that cannot be moved.
Large credit cards with the amount of 1000 or more account for 20%.
10% overseas credit card.
The 432 1 rule of this credit card is an effective way to withdraw cash by credit card. Used, relatively effective.
Of course, whether this rule is fragrant or not depends on the face!
Some people have dark faces, and any rules are useless. Some faces are tender, and banks like it at first sight, and the amount is highly leveraged.
Has anyone told me that the credit card overdraft has not been paid back in 500 yuan for 7 years, and how much is it now? thank you
Has anyone told me that 500 yuan has not paid back the credit card overdraft for seven years, and now it still needs 60,000-70,000 yuan.
First, credit cards have changed the traditional habit of paying for consumption in China, and realized the lifestyle of not paying cash first. Credit cards have changed the way people in China pay and consume in large amounts of cash, and become the earliest carrier for people in China to replace cash consumption with credit cards. Credit cards have really made China people realize their dream of traveling around the world with one card in hand.
Second, raise the card with the card, make full use of the repayment time difference of each credit card, realize the goal of paying back the credit card without your own money, and live a happy life by relying on credit. Now many people on the Internet are asking how to live a happy life with no income or low income through "raising cards with cards". There are many articles on the Internet that introduce how to "raise a card with a card" and various strategies to increase the credit card limit.
There are also some professional credit card brokers who charge high fees by providing others with "keeping cards with cards". Your high credit card consumption is based on the cost of providing fees to these people. Some bank credit card staff improve their performance by advocating all kinds of overdraft and high consumption, because only your credit card consumption and overdraft or even overdue can make bank credit cards get high profits. In fact, the cost of raising a card with a card is very high. It's an act of quenching thirst by drinking poison. Those so-called cases of "raising cards with cards" are not fabricated by media people for grandstanding, but traps set by people with ulterior motives to make people spend more. The cost of "raising a card with a card" is to pay a certain fee, and there is also a special credit card payment platform responsible for providing credit card payment for credit card "raising a card with a card" personnel. Secondly, the law of credit card overdraft: it doesn't matter how much credit card overdraws and how many times it overdraws. The most important thing is not to be overdue. This is the core law of credit card overdraft law. Credit cards can be overdrawn because they are designed for overdraft. Credit cards can be overdrawn in large amounts, as long as you have the ability to repay. Third, there are many credit cards, but as long as they can be managed well, they cannot be abused. However, credit cards have an overdraft rule, that is, it doesn't matter how much credit cards are overdrawn and how many times they are overdrawn. The most important thing is that they cannot be overdue. First, the iron law of credit card overdraft is: large overdraft is not impossible, but it must be repaid in time. Some people like large credit cards, which is not a problem. The real problem is that your overdraft limit is 6.5438+0 million yuan or 50 thousand yuan. When you swipe your card, you must consider your repayment ability. It is the right way not to repay in time.
4. The iron law of credit card overdraft is: you can have as many credit cards as you want, but all credit cards can't be in arrears or in arrears. You can have many credit cards. As long as you like, as long as the bank agrees to send it to you, you can have 20 or 10. It doesn't matter. The most important thing is that no matter how many credit cards you have, each credit card should pay the annual fee and various fees in time, and repay the overdraft of each credit card in time. There can be no default or overdue repayment.
The iron law of credit card overdraft: it must be clear that the credit card overdraft must be repaid voluntarily. Never wait for the bank's notice and dunning to repay. Overdraft is not important, nor is the amount of overdraft important. The most important thing is that you know when the repayment period of each credit card is, and you should repay it in time before this repayment period. Never think that there is no repayment demand without the notice of the bank. When the bank tells you to pay again, it will often be overdue, or even overdue for a long time. Fifth, it is the iron law of credit card overdraft: never raise a card with a card, not on the principle that raising a card is the largest credit card, but on the premise that the credit card quota is constantly expanding. Remember: raising a card with a card is the point of no return for credit card overdraft, because no one will be willing to give up the life of getting something for nothing, which is human nature.
Someone else's credit card?
1. It is illegal for a party to lend a credit card to others, and the consequences arising therefrom shall be borne by the card owner. In other words, you can't tell the bank that the card is overdrawn, which has nothing to do with you. No matter who overdraws the card, whose name it is, who will bear the consequences of card overdraft. Including but not limited to overdraft principal, interest, late fees, etc. If the overdraft is150 thousand, these projects will basically cost more than 200 thousand.
Lending a credit card has serious consequences.
credit card
Second, the consequences of not returning a large overdraft credit card are very serious.
1, which seriously affects the cardholder's credit information. In the future, the cardholder or spouse will go to any bank to apply for a loan. If the credit information is not good, it will basically be rejected.
It may have been taken away by the bank. If the credit card is overdue, there is no problem with the evidence, and it is basically certain to lose the case. The principal, interest, late fees, legal fees and the lawyer's fees of the other party may all be borne by the card owner.
Of course, if you refuse to perform after the judgment, there will be enforcement, blacklisting the untrustworthy and restricting high consumption. These things will bring great trouble to the parties.
Lending a credit card has serious consequences.
credit card
3. Those who meet certain conditions may be investigated for criminal responsibility for credit card crimes. according to
According to the Interpretation on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management, if a cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than three months after being effectively urged by the issuing bank twice, it shall be deemed as' malicious overdraft' as stipulated in Article 196 of the Criminal Law, and criminal responsibility shall be investigated.
Effective collection refers to the following four situations:
(1) After the overdraft exceeds the specified limit or time limit;
(2) The payment shall be made in a way that can confirm the cardholder's payment, except that the cardholder intentionally evades the payment;
(3) The interval between two collections is at least thirty days;
(four) in accordance with the relevant provisions or agreements on collection.
Lending a credit card has serious consequences.
credit card
As for the purpose of illegal possession, it refers to the following six situations:
(1) knowing that there is no repayment ability, a large number of overdrafts cannot be returned;
(2) After applying for a credit card with a false credit certificate, it is overdrawn and cannot be returned;
(three) after the overdraft, by escaping or changing the contact information to avoid bank collection;
(4) Withdrawing or transferring funds, concealing property or evading repayment;
(five) the use of overdraft funds for criminal activities;
(six) other illegal possession of funds and refused to return.
4. After entering the execution procedure, the card owner has the ability to refuse to perform. If the circumstances are serious, criminal responsibility can be investigated for refusing to execute the judgment.
Lending a credit card has serious consequences.
Overdraft credit card
How to handle things.
If it turns out that a friend's credit card is overdrawn and his friend is missing, it is suggested that the party concerned pay back the overdrawn amount before obtaining evidence. The original overdraft requires it to return the losses caused by the overdraft, including but not limited to the principal, interest, late fees, legal fees, attorney fees, etc. Of course, it is better to let him take the initiative to return it in other ways, but it is unlikely.
typical case
At the beginning of 20 16, after 80s, Ms. Li made a boyfriend, Han, who offered to borrow Ms. Li's credit card because she was short of money. Ms. Li was carried away by love and agreed. I didn't expect Han to start swiping his card unscrupulously. After overdrawing 300 thousand, he disappeared. What is left to Ms. Li is only a huge debt except the pain of "lovelorn". She was unable to repay, and after repeated collection by the issuing bank, she still failed to repay for more than three months (because she thought that the money should not be repaid if it was not spent). In the end, Ms. Li was sentenced to two years in prison for "credit card crime", while "boyfriend" Han had long since disappeared.
summary
Lending a credit card can have very serious consequences. Never lend it to others.
What is the rule of the interval on the bank card?
Using schick's law.
Schick's law is also called the law of constraint, and the input of the bank is every four digits, so as to reduce the memory cost and improve the readability of information, thus achieving the effect of visual error prevention.
The number of digits of different bank cards is different, which is related to the type of card and the bank unit to which it belongs. The digits of bank cards can be divided into two categories: first, debit cards usually refer to savings cards, usually 19 digits. There are also special circumstances, such as China Merchants Bank, Jianshe 16 and Bank of Communications 17. Second, credit cards usually refer to credit cards, and all banks are unified as 16. Examples of common figures in banks are: 1, CCB: savings card 16 or 19, credit card 16, ABC: savings card 19, credit card 16, and ICBC: savings card/.
This concludes the introduction of Credit Card Law and Credit Card Law 2583. I wonder if you found the information you need from it?