Skills of using two credit cards

Credit card skills of raising cards with cards

The skills of keeping a card with a card include paying more, using the repayment cycle and reasonable distribution.

The most common way for cardholders to raise their cards is to use two credit cards. Generally speaking, using two credit cards has the following skills:

1) repayment period: use two credit card support cards. Users must make good use of the repayment period reasonably, and try to choose two credit cards with large repayment periods to extend their interest-free repayment period. For example, if card A repays on the 4th of each month, then card B can choose a credit card that repays in the middle of the month or at the end of the month.

2) Reasonably allocate the frequency and amount of swiping two cards: When using two credit cards, the cardholder must use both cards at the same time, and both cards should be swiped enough times to increase the probability of withdrawal. Never swipe one card and leave the other unattended.

3) The normal card-raising routine is to pay more, that is, to pay more money back to the credit card, and that is, the number of pens. Diversified consumption every month is the type of business. 2W card can be swiped in 15 times, and then the credit card amount can be split. Of course, it's best not to take it out every minute. The specific way is to operate according to the different personal funds.

In short, it is also very important to choose a credit card. After all, there are not many skills to raise cards. Only by choosing the right credit card will it be easier to raise a card. If you choose a credit card with slow withdrawal speed and low quota, it is also not cost-effective.

1. Here are some credit cards recommended by netizens:

1) Zhongyanka: This card is a gold card, and the application threshold is not very high. As long as you have good credit and stable income, you can basically apply for a card, up to 50 thousand yuan.

2) ICBC World Struggle Card: This card is divided into three levels: ordinary, gold and platinum. You can apply for different levels of credit cards according to your actual situation, which makes it easier to apply successfully and withdraw the amount.

3) China Merchants Bank YOUNG Card: This credit card is very easy to handle, and newly graduated college students can also apply for it, and the withdrawal speed is relatively fast, which is suitable for raising cards and accumulating credit.

4) Safe Car Owner Card: This is a card suitable for car owners. As long as you reach the prescribed consumption limit, you can enjoy the discount when you refuel, so it is more suitable for car owners to raise cards.

5) Postal etc card: etc card can get a maximum discount of 8.2%, with a high quota. As long as it is used reasonably, the withdrawal speed is faster.

How to skillfully use two credit cards?

First of all, don't try to return a card with a card. This is the most important thing, because this operation is equivalent to pouring water into a perforated bottle, which is not a long-term solution.

However, it is entirely possible to manage money reasonably with credit cards. Let me introduce it today. This is not copying other people's answers, but my personal experience.

First, understand two concepts. A credit card has a billing date and a repayment date, generally 20 days apart (this time is equivalent to enjoying an interest-free loan from the bank). If your account is recharged on July 1, it will generally be returned on July 2 1, which is the basis;

Second, the credit card is settled according to the billing date and repayment date, not according to the 1 month 1 day of the natural month, so customers have the opportunity to use a longer interest-free period, and the shortest interest-free period advertised by the bank is 20 days and the longest is 50 days. For example, if there is a card, the billing date is 5th and the repayment date is 25th, then if you swipe your card on June 6th, it can only be included in the bill on July 5th, and the repayment will be made on July 25th, which means this consumption.

Third, using the above-mentioned interval between billing date and repayment date, plus if you have two or three credit cards, you can reasonably decompose the repayment pressure, for example, if you have three cards:

The bookkeeping date of card A is 10, and the repayment date is 30 days;

The billing date of card B is 20th, and the repayment date of the next month is10;

The billing date of C card is 30th, and the repayment date is 20th of the following month.

Then in the middle of 1 month, swipe your C card from 1 to1,swipe your A card from 1 1 to 20, and swipe your B card from 2 1 to 30, which can effectively alleviate the cash shortage.

Of course, in the final analysis, you still have to pay back by using a credit card, so although there are ways to manage money, you must live within your means and balance your consumption.

How can two credit cards repay each other without generating interest?

First, it is actually possible for two credit cards to repay each other, but it requires certain costs, such as handling fees, interest, or certain risks. There are three ways for two credit cards to repay each other:

1, cash withdrawal by credit card. You can directly withdraw cash at atm or counter with credit card limit, which is a more formal repayment method. There will be a handling fee and interest of five ten thousandths per day after thirty. As for the specific handling fee, each bank is different.

2. Help others pay by credit card. In fact, this is a very simple method. Just swipe a friend's card with another credit card, let the friend pay the cash himself, and then return the other credit card when there is cash. This method is suitable for small repayment.

3. Brush the pos machine for repayment. When using a credit card to swipe a card on a pos machine, the merchant will give cash. It should be noted that this method actually belongs to credit card cashing, and there are certain risks. Moreover, there are many customers of credit card cashing merchants, and the pos machines of cashing merchants are easily targeted by banks, which may easily cause cardholders to be banned by banks.

However, it seems that you don't have to pay for it yourself. In fact, robbing Peter to pay Paul like this is risky.

Extended data:

Second, the need to pay attention to the safety and risks:

1, money loss

Several credit cards repay each other, which is actually the way to repay by credit card. The agent also needs a third party to pay. In case this third party is unreliable and runs away with the money, the money that has been brushed away will not come back.

2. Information leakage

There is also the problem of unreliable third-party payment, which may lead to the disclosure of credit card information and personal information, resulting in the risk of being stolen. If it is stolen, it will only be considered unlucky and the bank will not bear the responsibility.

3. Credit losses

Credit card substitution or cash withdrawal. In case the bank thinks there is a risk of cashing out, it is still a trivial matter to reduce the credit card limit. If the card is blocked or recorded in the credit record, it will be in trouble. It will be difficult to apply for a credit card or loan in the future.

4. Legal liability

It is illegal to cash out a credit card, and you will be investigated for legal responsibility and may go to jail. Don't believe it, there are really cases of being cheated by banks.

Third, suggestions:

Instead of playing tricks and taking advantage of loopholes, we should honestly develop good consumption habits and repayment habits.

This concludes the introduction on how to use two credit cards and how to use them. I wonder if you have found the information you need?