银行对套现的态度及刷卡注意事项!

作者: 发布时间:2017-11-16 17:17:09  来源: [手机访问]
导读: 目前银行对信用卡套现态度是这样的:一:信用卡套现的确很难定义。除非抓现行,要不客户总有各种理由应对。二:十个用卡的超过一半的用卡客户都有过套现。你让银

目前银行对信用卡套现态度是这样的:

一:信用卡套现的确很难定义。除非抓现行,要不客户总有各种理由应对。

二:十个用卡的超过一半的用卡客户都有过套现。你让银行怎么办?银行主要针对套现的客户群体是那些恶意套现,以及套现后逾期拒还的人。

银行对套现的态度及刷卡注意事项!

三:银行之间也有竞争,信用卡的市场占有率就是最明显的竞争表现之一,要不然为什么银行自己搞新客户开卡礼等等。

四:信用卡也是为银行带来创收的一个点,通过客户的逾期、分期、取现等等这些手续费来获得创收。毕竟不是十个用卡的十个人都套现对不对?再退一步说,也不是套现的人全都是套了就不还了,银行还是能赚到钱。

所以综合以上我觉得银行并不是说睁一只眼闭一只眼的态度。只是一个双赢的局面而已。只要你不是做的太过分那么银行一般的确是不会主动封你的卡片的。

银行对套现的态度及刷卡注意事项!

五、大家刷信用卡要记住“6,7,8,3”的原则,这样才不会触动银行风控,三个月还会100%提额!

“6”是指单笔消费不要超过卡固定额度的百分之60;

“7”是指单日的刷卡金额不能超过卡固定额度的百分之70;

“8”是指单月卡的负债率不能超过百分之80,就是说刷出来的钱不要超过卡固定额度的百分之80;

“3”是指单月卡的使用金额要超过卡固定额度的百分之30。要让银行看见你在很好的用卡。

银行对套现的态度及刷卡注意事项!

好多银行都是看消费次数,其次看刷卡商户,一定要多元化刷卡,最好账单里各行各业都有消费记录,虽说高消费场所可以高积分提额快,但你天天刷黄金珠宝,高端酒店也不现实,银行要比你聪明!


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