As the saying goes, often walk in the river, which is not wet. Although, the bank suspects that the credit card holder will only debit the cardholder's credit card. However, in fact, most of the cardholders are wronged and have no derogation. They are devalued for no reason. A moment can not raise the amount, it really hate tooth itch.
So, still know some credit card area, to avoid bank derating is the key.
1, credit card channels have to pay attention to stay away from the code machine, brush less low-cost machine (public welfare, preferential rates).
2, credit card terminals to be changed after the end of the credit card immediately in a fixed date, the same POS machine credit card undesirable.
3, credit card locations diversified clothing, food, shelter, everything to brush, online, offline combination.
4, credit card time and daily credit card to avoid as early as 6 o'clock before, after 12 o'clock, the monthly consumption date is not fixed.
5, the amount of credit card large span of tens of thousands, as small as yuan, angle, fractional, credit card it all to brush.
6, the amount of credit card credit card level is not appropriate to a blank brush, or high or low energy is normal consumption.
7, the number of credit card number of credit card less, the amount of large, fixed time sets are now suspects.
8, credit card is too long to brush the law is not long-term state, integer repayment, the integer brush out, the number of monthly credit card less than 3, these are likely to be bank-controlled.
9, sometimes full repayment is very important Credit card full repayment can reflect your super consumption and repayment ability.
10, the appropriate stage can not be fully repayable repayment, may wish to choose the credit card installment, the bank is happy to receive the commission fee.
When considering whether a cardholder is cashing a bank, the standard of the bank is whether or not a "reasonable" consumption habit and law can be reflected in a person's "credit card consumption record." Once the bank found "unreasonable", it is likely to be considered a credit card bundle now. Credit card sets `is not desirable, everyone striving to be a" qualified "credit card consumers.
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