The trick of reversing two credit cards (debit cards) is to stagger the repayment dates of the two credit cards (credit cards). A card withdrawal will be returned to B card, and B card withdrawal will be returned to A card. Although it is said that it is not cash withdrawal, but the two cards are reversed back and forth, the handling fee and interest for cash withdrawal are the loss of card reversal. Therefore, this will cause the refund amount of the two cards to be higher and higher.
If the user only wants to extend the interest-free period, then the repayment dates of the two credit cards (debit cards) are also staggered. Card A is returned at the beginning of the month and Card B is returned at the end of the month, which can effectively extend the interest-free period.
How to reverse the credit card? Ask the great god for guidance.
If you want to reverse the card, just remember the repayment date of each card. Before the repayment date, you can use one of them at will and pour out the amount of the other cards. After returning one card to another, the operation must be completed before the repayment date. First, choose a card with a near repayment date.
For example, I have three credit cards, CCB and Guangfa, and the repayment dates are 14, 18, 23 respectively. Today is 14. As the repayment date of Everbright approaches, we should start with the repayment of Everbright, pour out the amount of other cards, and then build cards and distribute them in turn. Just pay back according to the bill of each card.
It should be noted that during the operation, try not to empty each card, and try to keep the quota above 20%. How many times do you have to swipe one card before you can return other cards? The amount of each credit card swiping shall not exceed 50% of the total amount to avoid risk control.
Card friends can effectively extend the repayment period of credit cards by doing so. However, the overdrawn money must always be paid back, and it must be consumed reasonably and controlled as far as possible within its repayment ability.
What is the principle of credit card reversal?
When the credit card bill comes out, you only need to pay off the debt before the repayment date, and there will be no overdue or other expenses. So many people's first reaction is that they have no money to pay it off at one time. In fact, many of us do this: 1 is the billing date, and 16 is the final repayment date. Then from the 2 nd, pay back 5000 first and then brush it out; Pay another 5000 on the 3rd, and then brush it out. At this time, there is only 90,000 yuan left in your bill of 65,438+10,000 yuan, because the bank calculates the repayment according to the accumulated repayment amount of this period, instead of asking you to make a one-time repayment, which gives us a lot of room to operate and pay off all debts with the lowest amount.
Precautions for reversing cards:
1, when the funds are still there, don't brush them out immediately. It is best to brush once every 2 hours or more, which is suitable for small and diverse businesses.
2. Merchants brush daily life: catering, department stores, beauty salons, hotels, bars, entertainment, clothing, etc. And never brush building materials, wholesale, jewelry, auto parts. The risks in these industries are controlled by banks. You are an anti-operation card, so it is easy to reduce the risk control.
3. If the billing date between multiple cards is close, call the customer service to apply for modifying the billing date, first ensure the capital chain, and then consider whether the impact will affect the cash withdrawal. Seven days between settlement dates is ideal.
4. Credit card merchants choose standard rates. If there are extra fees, you have to swipe hundreds of cards every year, which increases the handling fee by hundreds of thousands.
Lossless anti-card skills of two credit cards
Lossless anti-card skills of two credit cards
Two credit cards are lossless anti-card skills. Most of us have credit cards. In fact, there are many aspects of the use of credit cards that we need to know. Credit card lending and returning are also directly related to us. The following two credit cards are lossless anti-card skills.
Lossless anti-card skills of two credit cards 1
1 2 credit card is used in reverse.
How to use two credit cards, only one credit card is cashed out, and then it is used to pay off the second credit card, and the arrears of the first credit card are cashed out by the second credit card, which will enter a cycle and allow unlimited repayment.
Of course, there is no such thing as a free lunch, and two credit cards must be cashed back and forth at a high price. At present, the normal withdrawal cost of credit cards is relatively high, and most banks generally charge about 1%-3% for overdraft withdrawal of credit cards, no matter where they are.
Of course, if you want to withdraw cash, you need a handling fee to withdraw cash through POS machines. If not fully repaid before the repayment date, the generated transaction amount will also generate interest.
2, 2 credit card lossless reverse card skills
First of all, when setting the billing date of a credit card, it is best to set it in the middle and late stages, because there are accounts to be calculated. For example, on May 2nd, Wang wanted to use his credit card to buy household appliances. He has two credit cards, one with a billing date of 5 days and the other with a billing date of 15 days.
If he wants to fully enjoy the longest interest-free period of a credit card, he can do this: the billing date of a card is 5 days, then the repayment date is 25 days, and the interest-free period is 23 days from May 2 to May 25.
But the billing date of card B is 15, and the repayment date is around the 5th of next month. If you swipe your card on May 2, the money will be charged to the current bill. The interest-free period is from May 2 to June 5, which is about 33 days.
According to this calculation, Wang's choice of spending B card is much more affordable than spending A card.
A credit card has a billing date and a repayment date, generally 20 days apart, which is equivalent to the interest-free loan you enjoy.
Second, the daily use of credit cards matters needing attention
1. Extension application
Many people don't know that if they miss the credit card repayment date, there is still a chance to remedy it. They can immediately call the service center of the issuing bank and apply for "deferred repayment". Many banks have this service, and usually you can get a grace period of 2-3 days, which will not affect your credit report and you don't need to pay late fees.
2. Say no to unreasonable staging.
I believe many users have received sales calls from banks, most of which are various installment businesses, especially after you have spent a lot of money recently.
3. In order to get the longest interest-free period, the billing date is the key.
In the process of obtaining the interest-free period, Zheng Da Guangming transferred all the fixed consumption of the current month to the current day without any operating cost. As we all know, it can get an interest-free period of up to 60 days. In some cases, the bank bill spent that day is included in the monthly bill. For safety reasons, it is safer to brush it the next day.
Two credit cards lossless reverse card skills 2
Lossless card return skills for 2 credit cards 2021(lossless card return skills for 4 credit cards)
Can I write off two credit cards? You can reverse your card. Last time someone in the bank said on TV that if you have two credit cards, it is equivalent to using one credit card for free. Kneel for the tutorial of credit card lossless cashing, thank you again.
4 credit card lossless anti-card skills 1, it is best for one person to have 1-3 credit cards. This article is suitable for cardholders who spend normally. Card friends who cash out for credit cards and other purposes are not included. Now I have returned to mobile banking to transfer money or return credit cards. Request to return the card immediately after consumption. The bank's online mall can be redeemed for points, and credit cards can be spent in installments without handling fees.
Can I write off two credit cards?
You can reverse your card. Last time someone in the bank said on TV that if you have two credit cards, it is equivalent to using one credit card for free.
Kneel for the tutorial of credit card lossless cashing, thank you again.
Basically not now. In fact, it's not good to be in good condition, and the probability of blocking is very high
Reverse card skills of three credit cards
Have several years of experience and skills.
How to use two credit cards backwards?
You can withdraw 1000 from a credit card first, and then there is another one. When you want to pay back a thousand credit cards, you can take a thousand from the unused credit cards and do it again. Credit can be swiped
How to use two credit cards backwards? It costs RMB.
You need a person to brush the POS machine by hand, and you need a lakalaps to pick it up, so you can use it. Brush card A and card B, and so on.
How to pour out some liquidity with several bank credit cards?
First, buy funds skillfully
After receiving your salary, don't rush to repay or deposit in the bank, but buy money market funds and then spend all your credit cards during the interest-free period. Wait until two days before the end of the interest-free period of the credit card before redeeming the money market fund for repayment. And now some banks cooperate with fund companies, and money market funds can set a fixed date for automatic redemption and transfer them to credit card repayment accounts.
Second, brush more and integrate more.
Some professionals have a lot of business activities. When they go out, they only carry a small amount of cash with them for emergencies or in places where they can't swipe their cards. When shopping or eating, they swipe their cards. In particular, business trips, such as air tickets and accommodation, are settled by credit cards. At the same time, it is simple and quick to accumulate tens of thousands of points, and after returning for reimbursement, I have another cash flow at hand.
Third, financial accounting.
For many people who have no bookkeeping habits, cash consumption means unclear accounts. After using a credit card, the monthly credit card statement will list the date, store and amount of consumption at a glance, and then check with the documents saved in your daily consumption, sort out and analyze them, and accumulate for a period of time to have a basic understanding of your consumption pattern, so as to make rational consumption and reduce waste.
Four. working capital
In addition, the flexible use of credit card revolving credit can also help you solve the urgent need for funds in the early stage of your business. For example, small business owners, with their own funds as deposits, constantly advance to manufacturers, often need a little cash for entertainment in their daily business development. Want to borrow a loan, find a friend to borrow, it is difficult to repay on time. If you apply for credit cards from several banks and use different deadlines to extend the repayment period, you can solve the problem of temporary capital turnover.
Four credit card lossless reverse card skills
1, a person had better have 1-3 credit cards.
This article applies to cardholders who spend normally. Card friends who cash out for credit cards and other purposes are not included. 1-3 credit card is the best number of cards. The amount of cards is large, and the monthly repayment is troublesome. Unless you set up automatic repayment for each card, you must also ensure that there is enough money in the bound repayment savings card to deduct the fee.
You don't want to have the experience of accidentally remembering the repayment date. The latest GDB card misremembered the repayment date, and it didn't happen until 3 days after the last repayment date. Fortunately, Guangfa has a time service once a year, and there is no need to pay liquidated damages.
Credit overdue is generally not recorded before the last repayment date and the next billing date. However, there may be a fine for missing the final repayment date.
3. Binding mobile banking transfer repayment
Sister Ka's Alipay has used up the amount of free transfer. Now I have returned to mobile banking to transfer money or return credit cards. Sister Ka has more China Merchants Bank cards, one savings card and one credit card, and downloaded China Merchants Bank mobile banking.
4. Let's talk about the advantages first: the transfer to the account is particularly fast, and there is no handling fee; Credit card repayment is also a transfer, and it will arrive in seconds. After the first transfer, the system will save the transfer record, and the next transfer will be made directly in the historical transfer record, without entering the account number and other information again.
Although the fee charged by Alipay is not high, the accumulated fee will increase with the increase of times. It is recommended that you download the mobile phone app of the card-opening bank and use the mobile phone bank to transfer money for repayment.
6. This is the safest way to swipe your card.
At present, there are more and more cases of stealing all personal information on credit cards by taking advantage of the short gap when credit cards are not in consumers' sight, resulting in economic losses for cardholders. Now technology is more and more developed, and the means of stealing information can be completed in a few seconds. Security card is what we need to pay more attention to!
7. When consuming, don't leave your eyes. Request to return the card immediately after consumption.
The last three numbers on the back of the credit card are labeled. To prevent the bank card from being given when spending outside, know this 3-digit number and the bank information will be swiped.
8. Visit the online mall of the bank before spending.
Especially for Apple products, China Merchants Bank, ICBC and Agricultural Bank all support installment purchase, which is particularly cost-effective. Apple official website directly pays in installments and repays each month.
The bank's online mall can be redeemed for points, and credit cards can be spent in installments without handling fees. Before online shopping, see if there are any products that can be bought in the online mall, and buy them directly by credit card in installments. No handling fee, high cost performance.
2 Credit card lossless reverse card skills 3
How to manage multiple credit cards? Credit card use skills
Multiple credit card management three don't:
1, don't installment. As long as the credit card is installment more than once, the actual monthly repayment amount will increase, which will make you feel more stressed. If you can't make ends meet, the capital chain will be broken.
2. Don't empty it all. Leave at least 65,438+00%. If the amount is too low, leave at least 20%. If it is lower than 10000, leave 2000. If it is above 10000, leave 10%. At least you can pay off the remaining bills at the right time. Empty cards without funds are either overdue or phased, and the latter is just a kind of survival.
3, don't be too close to the bill, many cards are similar, and the frequency of swiping cards is very high every day. If you don't get up, the pressure will be chaotic. This card is added to the next card as soon as it comes out, and the next card is swiped out and returned to the next card. This is also easy to control.
Four knowledge points in the management of multiple credit cards:
The first point: after the credit card bill is issued, the order in which the funds you paid back are deducted.
If you pay the bill first, you haven't paid the bill, interest, installment fee, etc. It will be deducted from the same bill first, and then deducted from ordinary consumption. In the absence of other messy expenses, as long as the account is kept, any repayment will offset the previous bill, so why is there a saying of "reversing the card"?
For example, if the bill is 654.38+10,000 yuan, there is still 10000 yuan left in the card, the bill date is 1, and the repayment date is1,then the bill I spent between August 2 and September 2 only needs to be in September1/kloc-0.
On the 2nd, I swiped the credit card balance 10000 yuan, and then paid it back. At this time, because of my repayment, my remaining bill is only 90 thousand, so I will continue to brush it. The bill is only 80,000 yuan. I repeated the operation 10 times. I paid 1 10 times before the last repayment date.
The above is the mystery of credit card repayment.
The second point: allocate multiple card days.
The billing date should be changed. If the billing date remains the same and the billing date of each bank changes with it, then you have no idea about swiping the card and then explode in situ.
I take nine credit cards as an example. If I were you, I would divide them into three groups: the first group's accounting date is 1, the second group's accounting date is 1 1, and the third group's accounting date is 2 1. Don't worry about the repayment date. The time from the billing date to the repayment date varies from bank to bank, but at least there is 10 between our three groups of cards.
If each card is swiped five times a day, and a group of cards is swiped 15 times a day, and the data of 1-1 50,000 is swiped at least once a day, then the bill of10,000 is about 8.
1 group * * * has a quota of 654.38+10,000, 2 groups * * have a quota of 654.38+10,000, and 3 groups * * * have a quota of 654.38+10,000, so I can manage 300,000 with the remaining 50,000 under the condition of occupying 250,000 yuan for a long time and paying the handling fee of 1800.
The third point: know the time when the credit card is credited and the repayment is credited on the day of the bill.
Shanghai Pudong Development Bank: The consumption of the same day, the amount of consumption before 9: 30 pm is included in the last bill, and the subsequent consumption is included in the next bill.
ICBC: The consumption of the day is included in the next bill.
Minsheng Bank: The consumption before 17 o'clock on the same day is the last order, which may be the last order or the next one, which is uncertain.
China Everbright Bank: swiping the card before 2 1: 00 on the day of the big bill is directly included in the bill of the day, and the last bill is settled after 2 1: 00, so swiping the card at 2 1: 00-24: 00 on the day of the bill may be included in the last bill or the next bill.
Construction Bank: Calculate the current bill before 6: 00 on the same day, and then calculate the next bill.
China Merchants Bank: Investment is slow, as long as the consumption of the day is included in the next bill.
Guangfa Bank: POS consumption on the same day is mainly recorded on the next day, and online consumption is mainly recorded on the same day.
Bank of Communications: If the consumption shows that it should be recorded on the same day, it will be recorded on the next day. If it shows that it has been posted, it is the current bill.
Repayment date: recording time of repayment system:
Shanghai Pudong Development Bank: There is a three-day grace period and no application is required. Before 9: 30 pm on the third day after the due repayment date, the minimum repayment amount is guaranteed to be recorded, which is regarded as timely repayment and will not affect personal credit information. Repayment from any channel is recorded for 2 days.
ICBC: The final repayment time is before 24: 00 pm on the repayment date. ICBC World Struggle Card, Constellation Card and Zodiac Card can enjoy a three-day repayment grace period. Except for special cards, other credit cards have no 3-day grace period to allow repayment.
Minsheng Bank: It provides timely repayment service, without application, and guarantees repayment to the credit card before 17: 00 on the third day after the final repayment date, which can be regarded as normal repayment.
China Everbright Bank: It will be received the day before 2 1 pm. If it exceeds 2 1 pm, the repayment will be received the next day.
China Construction Bank: Record the current day before 6: 00, and record it the next day.
China Merchants Bank: Don't put it off until the final repayment date because the account is slow. Although there is a three-day grace period, it will affect the score.
Guangfa Bank: other banks will repay before 22 o'clock, and the repayment will be received the next day, and will be postponed after 22 o'clock 1 day; Alipay and WeChat wallet will arrive on the day of repayment before 20 o'clock, and arrive on the next day after 20 o'clock; If the repayment is transferred through other banks' super online banking, it will arrive the day before 20: 30 and then the next day. China UnionPay Express will release the loan before 23: 00 the next day, and then postpone it 1 day. Only 1 day grace period. If the repayment date is recorded on the second day, it will be regarded as timely repayment, and Guangfa needs special attention.
Bank of Communications: the bank and the third party will receive the account 2 days after repayment, and other bank savings cards will receive the account 2-5 working days after repayment. The grace period is 3 days, even if it is paid off before 18 o'clock on the third night, it is very dangerous according to the efficiency of traffic and it is easy to be overdue. Have you considered this reason not to increase traffic? Monthly high-risk users.
Are there many small details? The pit of the maximum use time and repayment date of funds, if you don't pay attention, you will lose.
The fourth point: record the credit card data of each bank.
You can't keep a multi-card bookkeeping date diary. If you don't remind me, you are just waiting for the deadline and don't know how much money you have left in the current period. You can bind all your credit cards in the official UnionPay APP. There are still a few days before the final repayment date. When is the next billing date? It is clear at a glance what the remaining repayment amount of all credit cards should be. For impatient people, not knowing the data in real time will make people feel psychologically explosive. When all bank credit cards are bound by China UnionPay Express, all credit cards are swiped at the same time, and it doesn't matter to a merchant. These are two data.
What you need to know when using a credit card:
The settlement card of 1.POS machine should be separated from the savings card of credit card, otherwise it will easily lead to too frequent fast-forward and fast-out transactions. Why don't you record the former and transfer the whole number to the second card, and the second card will be returned to all the cards in the name in turn.
2. Credit cards should be swiped at least 2 hours after repayment, and only a small amount can reduce the risk. There is also a credit card that cannot be repaid immediately if it is large, or the fast-forward and fast-out system recognizes that it is suspected of "cashing out", but it doesn't matter if it is small. If you are worried, pay it back in 6 hours.
3. There is no risk for different bank credit cards with the same name to swipe the same amount at the same time with the same merchant. It has been in actual combat for 9 years.
Some people say that it is best to wait until the credit card is recharged successfully before swiping it. As long as you look at the above data, you will understand that the posting time of the bank is different, at least 1 day. If you play like this, the card can't play at all, there is no need to get into a dead end, and it has no effect at all.
Credit card anti-card skills ask passers-by for advice
1.2 credit card is used backwards.
How to use two credit cards, only one credit card is cashed out, and then it is used to pay off the second credit card, and the arrears of the first credit card are cashed out by the second credit card, which will enter a cycle and allow unlimited repayment.
Of course, there is no such thing as a free lunch, and two credit cards must be cashed back and forth at a high price. At present, the normal withdrawal cost of credit cards is relatively high, and most banks generally charge about 1%-3% for overdraft withdrawal of credit cards, no matter where they are.
Of course, if you want to withdraw cash, you need a handling fee to withdraw cash through POS machines. If not fully repaid before the repayment date, the generated transaction amount will also generate interest.
2.2 Credit card lossless reverse card skills
First of all, when setting the billing date of a credit card, it is best to set it in the middle and late stages, because there are accounts to be calculated. For example, on May 2nd, Wang wanted to use his credit card to buy household appliances. He has two credit cards, one with a billing date of 5 days and the other with a billing date of 15 days.
If he wants to fully enjoy the longest interest-free period of a credit card, he can do this: the billing date of a card is 5 days, then the repayment date is 25 days, and the interest-free period is 23 days from May 2 to May 25.
But the billing date of card B is 15, and the repayment date is around the 5th of next month. If you swipe your card on May 2, the money will be charged to the current bill. The interest-free period is from May 2 to June 5, which is about 33 days.
According to this calculation, Wang's choice of spending B card is much more affordable than spending A card.
A credit card has a billing date and a repayment date, generally 20 days apart, which is equivalent to the interest-free loan you enjoy.
Matters needing attention in daily use of credit cards
1. Extension application
Many people don't know that if they miss the credit card repayment date, there is still a chance to remedy it. They can immediately call the service center of the issuing bank and apply for "deferred repayment". Many banks have this service, and usually you can get a grace period of 2-3 days, which will not affect your credit report and you don't need to pay late fees.
2. Say no to unreasonable staging.
I believe many users have received sales calls from banks, most of which are various installment businesses, especially after you have spent a lot of money recently.
In order to get the longest interest-free period, the billing date is the key.
In the process of obtaining the interest-free period, Zheng Da Guangming transferred all the fixed consumption of the current month to the current day without any operating cost. As we all know, it can get an interest-free period of up to 60 days. In some cases, the bank bill spent that day is included in the monthly bill. For safety reasons, it is safer to brush it the next day.
Reverse card skills of three credit cards
Sometimes we may run out of money after using the credit card for a while, so we wonder if we can pay back the credit card with the credit card. This certainly won't work, but today I can tell you about the skills of three credit cards to make your life short. In addition, Bian Xiao also summarized some matters needing attention in daily use of credit cards.
13. Credit card lossless anti-card skills.
1.3 credit card is used backwards.
How to use three credit cards is just to cash out one credit card and then use it to repay the second credit card. The arrears of the first credit card will be cashed out by the second credit card, which will enter a cycle and allow unlimited repayment.
Of course, there is no such thing as a free lunch, and three credit cards must be cashed back and forth at a high price. At present, the normal withdrawal cost of credit cards is relatively high, and most banks generally charge about 1%-3% for overdraft withdrawal of credit cards, no matter where they are.
Of course, if you want to withdraw cash, you need a handling fee to withdraw cash through POS machines. If not fully repaid before the repayment date, the generated transaction amount will also generate interest.
1. Multiple credit cards have been written off.
2.3 Credit card lossless reverse card skills
First of all, when setting the billing date of a credit card, it is best to set it in the middle and late stages, because there are accounts to be calculated. For example, on May 2nd, Wang wanted to use his credit card to buy household appliances. He has two credit cards, one with a billing date of 5 days and the other with a billing date of 15 days.
If he wants to fully enjoy the longest interest-free period of a credit card, he can do this: the billing date of a card is 5 days, then the repayment date is 25 days, and the interest-free period is 23 days from May 2 to May 25.
But the billing date of card B is 15, and the repayment date is around the 5th of next month. If you swipe your card on May 2, the money will be charged to the current bill. The interest-free period is from May 2 to June 5, which is about 33 days.
According to this calculation, Wang's choice of spending B card is much more affordable than spending A card.
A credit card has a billing date and a repayment date, generally 20 days apart, which is equivalent to the interest-free loan you enjoy.
Second, the daily use of credit cards matters needing attention
1. Extension application
Many people don't know that if they miss the credit card repayment date, there is still a chance to remedy it. They can immediately call the service center of the issuing bank and apply for "deferred repayment". Many banks have this service, and usually you can get a grace period of 2-3 days, which will not affect your credit report and you don't need to pay late fees.
2. Say no to unreasonable staging.
I believe many users have received sales calls from banks, most of which are various installment businesses, especially after you have spent a lot of money recently.
In order to get the longest interest-free period, the billing date is the key.
In the process of obtaining the interest-free period, Zheng Da Guangming transferred all the fixed consumption of the current month to the current day without any operating cost. As we all know, it can get an interest-free period of up to 60 days. In some cases, the bank bill spent that day is included in the monthly bill. For safety reasons, it is safer to brush it the next day.
The above is about the skills of lossless card return of three kinds of credit cards and the matters needing attention in daily use of credit cards.
This concludes the introduction of reverse use of multiple credit cards and reverse use of four credit cards. I wonder if you have found the information you need?