For users, there is a particular concern about the enforcement of the policy
It will cause feng control on the cash flow of my credit card
First of all, let's talk about why we want to implement one machine and one household
01.In order to prevent unsolicited funds from being traded through POS.
02.In order to prevent the payment company from setting up codes, harming the interests of all parties.
03.Prevent POS from indiscriminately increasing the handling fee and causing user losses.
In fact, based on the current situation, "no one can be sure whether it will affect anyone."
After all, the bank's risk control rules have not changed, and no one has tested them on a large scale. However, some users do receive reminders from their banks.
So, if someone recommends frequent use of credit cards at a single merchant, it's best to be vigilant and stay away from such advice.
So, in the face of the "one machine, one household" policy, what measures should we take?
Take control of your card usage
The recommended usage limit is between 20% and 80%, which means that the minimum card limit used each month is more than 20%, and the maximum recommendation is not higher than 80% of the card limit
Number of purchases
It is generally recommended to keep between 20-40 transactions, and it is best to be able to use a combination of large and small amounts. It is not recommended that you usually do not have small consumption, a swipe of the card is all large, which is not in line with most people's real consumption Xi;
Be sure to increase the usual real consumption scenes
For example, when you go out to eat, go shopping, shop online, or charge up your phone bill, water, electricity, gas bills, etc., which are very common consumption scenarios in daily life, in short, you can use your credit card wherever you can use it
Don't be overdue
At least ensure that the repayment should be made on time, and if conditions permit, the repayment can be made as soon as possible after the bill is issued.
Diversify your trading
This is particularly important, and it is also something that is easy to overlook. In short, it's the diversification of payment methods.
Appropriate staging. Do small installments from time to time to increase interaction with the bank.
Increase online card swiping.
Online card swiping is not subject to merchant binding restrictions, so banks have been encouraging cardholders to increase online card swiping.
Increase the number of terminal devices.
For users with a large number of monthly card swipes, it is recommended to appropriately increase POS terminals and register different industries.
With the rapid development of the economy and the rapid change of consumption patterns, cardholders should adjust their card swiping methods in time to adapt to the changes in big data. In this context, increasing payment methods and reducing infrequently used credit card methods will help to ensure the normal consumption of credit limits.