I believe many friends who hold credit cards know that when using credit cards in life, we need to pay attention to certain methods and skills, especially in the credit card quota. If you don't pay attention, it is easy to be downgraded or blocked by the bank's risk control. How to withdraw a large amount of credit card is the cash withdrawal? Just pay attention to these skills!
How to charge a large credit card?
1. Selected merchants
The bank's risk control system is also very particular. If the cardholder spends tens of thousands of yuan at a time in a supermarket or a delicious duck neck shop, which is obviously unreasonable, then the bank will wonder if the cardholder is withdrawing cash. If the cardholder spends 1 10,000 yuan at a time in jewelry stores, KTV and other places, it is a reasonable consumption.
2, credit card time
When you swipe your credit card, you should also pay attention to the use time. According to the staff of the bank, Monday to Friday is a working day, during which most people will not spend too much money, especially before 9 am, few people will spend money. On holidays, people's spending quota will increase greatly.
In addition to paying attention to these hours, we should also pay attention to the business hours of the merchants. Suppose you spend 3000 yuan in a beauty shop at 1 a.m., the bill is not so reasonable. After all, beauty shops usually don't open until the wee hours.
3. Credit card amount
Although everyone's credit card limit does have that number, it does not mean that the cardholder can empty the credit card limit when swiping the card. No matter which bank it is, it will not like the cardholder to empty the credit limit in the card at one time. I suggest that when you swipe your card, you'd better leave a limit of about 20%.
The above is the related content sharing of "How to swipe a large credit card". I hope it will help everyone!
How much is charged by a credit card is a large sum.
How much a credit card costs is generally determined according to the credit limit of the credit card. For example, the credit limit of a credit card is 5,000 yuan, and the consumption limit of a single credit card is 4,000 yuan, even if it is large; If the credit card limit is 20,000 yuan, then 4,000 yuan is not a big limit. Generally, as long as a single credit card does not exceed 60% of the credit limit, it is not a large credit limit.
When users usually use credit cards to swipe their cards, they should try to avoid large amounts of credit cards. This kind of single credit card with high consumption is likely to be recognized as cash by banks. After being recognized as cash by the bank, it is very likely that the credit card limit will be reduced or blocked. Credit cards cannot be used directly after being blocked, and they should be repaid in time after being blocked.
When using a credit card, try to diversify and the amount is moderate. This kind of consumption can increase the fixed amount of credit cards. Generally, a newly applied credit card can only be used for more than 6 months to apply for an increase in the fixed limit, but it can apply for a temporary limit of more than 3 months. The temporary quota has a certain use period, and the original quota will be restored after the expiration.
After using the credit card, you should repay on time on the repayment date. If you can't repay on time on the repayment date, you can use installment repayment or minimum repayment amount. When using these two repayment methods, you need to pay a certain fee. When using installment repayment, you can generally choose according to your own income, and you can repay in advance when you have sufficient funds in the later period.
What happens if a person cashes out 2 million with a credit card before he dies?
In fact, it is very rare for a credit card holder to visit the bank before his death. This is one reason, that is, which cardholder can predict his own death? If it is a traffic accident, it is impossible to foresee and will not be done. If the old man dies slowly, in fact, the bank will take back the credit card after the cardholder reaches a certain age and will not issue the credit card to the old man. When have you ever seen an old man who can still use a credit card in his seventies and eighties?
Then there is only one situation left, that is, I am still young, but I am very ill and may die at any time. If you really want to treat a disease or have other ideas, you may make crazy cash withdrawals with your credit card or overdraw a lot of money before you die. So what will the bank do in this case?
In fact, it is impossible for credit card holders to cash out crazily and exceed the credit limit. Generally speaking, the credit limit of ordinary people's credit cards will not exceed 200,000. Then there are two principles for banks to solve the problem of cardholders' arrears. One principle is, if you can find a way, try to recover the principal and interest. One principle is to evaluate whether it is cost-effective to draw a clear line between the time and labor costs that need to be reinvested if the arrears need to be recovered and the possibility of recovering the principal and interest of the arrears. Banks are also profit-oriented enterprises, so they always calculate economic accounts. Banks are undoubtedly the kind of enterprises that can calculate economic accounts best.
So in this case, basically we can know that banks may take the following measures.
1. If the credit card overdraft debt is not large after the customer dies, then basically the bank will forgive the debt after knowing the situation and obtaining the cardholder's death certificate, which means there will be no further collection and no more demand. That is to say, when people die, their debts are gone.
2. If the credit card overdraft debt is relatively large after the death of the customer, the bank will negotiate with the family members and try to settle the debt with an appropriate amount. If no agreement can be reached, the bank will consider it in the following order.
There are some assets in the customer's home, which means that the family of the deceased may get the inheritance. At this time, the bank will file a lawsuit and ask the family to repay the debt. Then family members, as heirs of the estate, do have the responsibility to repay. Of course, the repayment amount is limited to the inherited amount, and there is no need to repay the excess.
4. If the customer has no assets at home, for example, the cardholder dies of a serious illness, and the assets at home are heavily in debt to treat the disease, then the bank will actually take legal action, because such a large amount of internal exemption is actually difficult to get by, but an agreement will be reached with the family when the court mediates, and large debts will be settled with the same amount.
In fact, even if the bank finds out that the customer's overdraft was obtained by cashing out, because the cardholder has passed away, the bank will not pursue it again, and it is enough to achieve the effect of collecting money economically. We should remember that in China, people die a fair death, so most of the time it's the same. If possible, both parties shall settle it through consultation.
Does it matter if you use a large credit card?
Impact of large credit cards:
1. It is easy to be targeted by the bank's risk control personnel. The banking industry is aware of the cardholder's financial crisis, unable to repay, and the risk of borrowing is too high. Perhaps in a blink of an eye, credit card downgrade or even card closure will become a problem.
2. In addition, in the case of frequent use of credit cards for luxury consumption, once the funds are broken, it is easy to explode on a large scale.
Standard of large credit card: what is the amount of credit card to be considered as large consumption? The definition of single consumption amount refers to large credit card consumption. Under normal circumstances, more than 75% of the one-time consumption of credit cards is considered as large-scale consumption of credit cards.
For example, Xiao K has a credit card with a limit of 30,000, and he swiped it 23,000 times at a time, which is a big consumption bill.
Credit card ordinary card limit is generally between 1 1,000 yuan and 1 1,000 yuan; The amount of a gold card is generally between 6,543,800 yuan and 50,000 yuan; The amount of platinum card will vary according to the upper limit of the bank, generally starting from 50 thousand yuan; Black cards are credit cards with a limit of one million, and the upper limit of each bank will be different, ranging from 1 10,000 to 5 million.
The credit card limit will vary according to the level of the card. At present, credit cards are mainly divided into ordinary cards, gold cards, platinum cards and black cards. According to different card types, the credit card limit generally ranges from 1000 yuan to 10000 yuan and10000 yuan. The higher the card level, the higher the corresponding credit card limit.
At present, credit cards generally range from 65,438+0,000 yuan to 65,438+0,000 yuan, gold cards generally range from 65,438+0,000 yuan to 50,000 yuan, and platinum cards vary according to the upper limit of banks, generally starting from 50,000 yuan. Black cards are all credit cards with millions of credit cards, and the upper limit of each bank will be different, ranging from 654.38+0 million to 5 million.
The credit card limit depends on the effective income provided by the individual during the application process and the guaranteed value of the assets. The credit limit of a credit card is positively related to the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit. Therefore, the applicant must provide proof of income and statement of asset guarantee. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.
Is it illegal to cash out credit card160,000?
If the cardholder maliciously overdraws in the above way for the purpose of illegal possession and should be investigated for criminal responsibility, he shall be convicted and punished for the crime of credit card in accordance with the provisions of Article 196 of the Criminal Law. 1. Cardholders can use credit cards as much as possible in their daily consumption, especially to increase the expenditure of large-scale consumption (except for wholesale consumption, which is not only not conducive to increasing the credit limit, but may also be suspected of illegal cash withdrawal).
2. After spending continuously for several months, you can take the initiative to apply to the bank, and the card department will decide whether to increase the quota according to the cardholder's consumption record. After the credit limit is increased, you can apply to the bank again for a period of time, about three months, and gradually increase the credit limit.
3. Provide proof of assets income. Actively provide the bank with proof of asset income. The more detailed the proof materials, the higher the income and the higher the credit line approved by the bank.
4. Repay in full and on time. Try to repay in full and on time every month. Repayment is an important item in credit card records. Cardholders should try their best to avoid paying interest beyond the interest-free period due to overdue repayment, otherwise it will not only be conducive to improving the credit limit, but also may stain the credit record.
Article 7 of the Interpretation of the Supreme People and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management, in violation of state regulations, directly pays cash to credit card holders by means of fictitious transactions, false pricing, cash return, etc., and if the circumstances are serious, he shall be convicted and punished for the crime of illegal business operation in accordance with the provisions of Article 225 of the Criminal Law.
How to set the credit card limit to cash?
One: Pay for friends' consumption with a credit card and realize cash withdrawal. When a free friend cashes in his credit card for his friend and repays in time, only 1% to 2% of the bank's income comes from the merchant's settlement fee, and the cardholder has no expenses.
Second, the use of Taobao, Paipai and other e-commerce websites for free online cash withdrawal mainly takes advantage of the extremely convenient consumption and cash withdrawal characteristics of e-commerce websites, and carries out free cash withdrawal through recharging cash withdrawal (this method should be used with caution) and cash withdrawal after false shopping consumption. This process is free of all handling fees, which also benefits from the huge benefits brought to our consumers by the fierce competition of e-commerce websites.
3. Cash in the free first class of China International Airlines or China Southern Airlines by swiping the card. It is stipulated that the first-class ticket will be refunded in full cash as long as it is refunded 24 hours before departure, but it does not include the first-class ticket that has been changed due to missed flight. Therefore, some people have the wrong idea of the two airlines. They buy tickets and issue tickets by swiping their cards in the local self-built business hall, and then operate according to the refund process, easily realizing their desire to cash out for free.
Four: Buy a large prepaid card in China Mobile and cash it out for free. At present, China Mobile can purchase prepaid cards by swiping the card in the business hall, or even bind the credit card to the mobile phone by SMS, then transfer it to the mobile phone number through the current green business hall, first recharge the mobile phone number with the credit card, and then take the ID card and mobile phone card to the China Mobile Business Hall for a refund.
So much for the introduction of large credit card sets.