As the saying goes, often walk by the river, which is not wet. Although the bank is suspicious of the credit card set by the cardholder, the credit card deduction will be given to the cardholder. However, in fact, most cardholders are detained, and there is no such thing as the current one, and they will be deducted for no reason. I can't increase my quota for a while, I really hate it.
Therefore, it is still important to know some card minefields to avoid being derated by banks.
1, the credit card channel has to pay attention to away from the set of code machine, less brush low rate machine (public welfare, preferential rate category).
2, swipe the card terminal to change the credit card repayment after the end, immediately on a fixed date, the same POS machine is not acceptable.
3, the card location is a variety of clothing, food, housing, and everything to brush, online, offline combined.
4, credit card time and logical daily card avoidance before 6 o'clock in the morning, after 12 o'clock in the evening, the monthly consumption date is not fixed.
5, the amount of credit card spans a large amount of tens of thousands, small to the yuan, the corner, the fraction of the fraction, all credit card it to brush.
6, the credit card quota has high and low credit card quota should not be brushed once, or high or low can reflect the normal consumption.
7, the number of card swiping times, the number of swipes is small, the amount is large, the time is fixed, there is a set of suspects.
8, the card is too regular, not long-term in the empty state, the integer repayment, the integer brush out, the monthly number of credits is less than 3, these are likely to be controlled by the bank.
9. Sometimes full repayment is important. The full repayment of a credit card can reflect your superior consumption and repayment ability.
10, the appropriate phased popularity can not be fully repaid, may wish to choose credit card installment, the bank is happy to receive the installment fee.
The bank considers whether the cardholder is in the set. The standard is: whether it can reflect the "reasonable" consumption habits and laws from a person's "credit card consumption record". Once discovered by the bank as "unreasonable", it is likely to be considered a credit card set. Credit card sets are not advisable, and everyone is vying to be a "qualified" credit card consumer.
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