Credit card Also, I believe we all hope that the higher the credit limit credit card repayment system, but a lot of people will encounter the difficulty of raising the card, raise the amount of more difficult problems. Although you may pay the repayment day, but you do not know, your card, the way you swipe is not correct. What the hell is going on here? Tell everyone today, why your card has been used for n long, the bank is not to give you the amount. Picture Click to open in New window view
Credit card, I believe we all hope that the higher the credit limit, the better, but a lot of people will encounter the difficulty of raising a card, raise the amount of more difficult problems. Although you may pay the repayment day, but you do not know, your card, the way you swipe is not correct. What the hell is going on here? Tell everyone today, why your card has been used for n long, the bank is not to give you the amount.
Credit card, I believe we all hope that the higher the credit limit, the better, but a lot of people will encounter the difficulty of raising a card, raise the amount of more difficult problems. Although you may pay the repayment day, but you do not know, your card, the way you swipe is not correct. What the hell is going on here? Tell everyone today, why your card has been used for n long, the bank is not to give you the amount.
To give an example first: Mr. Wang is too troublesome to spend every time, always large consumption when the credit card, other small consumption is to pay. Its large consumption category but very single, one months only brush one or two large, small consumption almost no. Mr. Wang also complained that I often used credit cards, but for a year or two, or an initial amount, ready to write off. Picture Click to open in New window view
For the above example, we can see that because Mr. Wang only brushes one or two large amounts, the bank will suspect a cash-out behavior, if repeated on a POS machine brush, the behavior is more obvious. At this point, do not mention the amount, do not have the possibility of lowering the amount or sealing card.
Therefore, our usual card must develop the correct habit, do not unknowingly do the credit card adverse behavior. Therefore, it is necessary for us to understand how banks like and dislike the cardholder's card-holding behavior.
The bank does not like the swipe behavior
- There is no small amount of brush, the bank suspects there is a cash act.
- Too many open cards, although different bank credit cards, but the card too much of the total amount is also high, the bank will worry about the cardholder's repayment ability.
- Credit cards are often in an empty state, with integers that brush out integers and no other swipe behavior. The bank will think you are in need of cash flow.
- Just opened the credit card to brush empty quota, the bank questioned your open card purpose.
- The same card and the same POS machine repeatedly swipe, the bank will suspect direct cash.
- Wholesale and buy a car credit card, the bank will think you poor economic situation.
7. The bank has opened the card, but it is not activated or is not used in the hands.
8. The consumption of credit card is obviously inconsistent with the daily consumption habits, there is a serious suspicion of the present.
The bank likes the swipe behavior
- The credit card rate is high, the total amount of consumption within one months is at least 30%.
2. The number of consumption, the average monthly more than 10.
- Many consumption scenes, such as shopping malls, supermarkets, gas stations, restaurants, hotels, tourism, entertainment venues and so on.
4. Timely repayment, no overdue, no cash, no repayment.
5. From time to time, the credit card consumption exceeds the amount of overdraft, apply for temporary quota.
Smart Credit card System app
