How do I spend money online? Will it affect credit card cuts?

Online spending is not common these days. Maybe you re alreadyonline credit card payment gateway familiar with the traditional postcard, so let s talk about tod...

Jul 13,2022 | Irene

Online spending is not common these days. Maybe you're alreadyonline credit card payment gateway familiar with the traditional postcard, so let's talk about today's online spending.

Let's start with online payments. We usually shop on online shopping platforms, cnc machined aluminumwhich are all online payments.

There is also the way we usually use online shopping payment development to carry out these also belong to online payment.

And offline payment is like we go to the store to swipe the card, there are personal use of POS machines are also offline payment.

Will online spending affect credit card limits?

The answer is definitely not, but it is good for credit cards.

With the development of online payments in China in recent years, many Whatsminer M31S+corporate banks are instead starting to effectively regulate and risk control offline spending methods, and the offline limit management of most Chinese banks is a good example.

In fact, it is not difficult to see that you just go out with your cell phone, who will go out with a business card. So offline card swiping is definitely going to go down and people will use it less and less. Banks will certainly understand this, so online spending is the future.

Since online spending is the trend, it is also a skill to know how to do it correctly.

Online payments can be said to be almost real transactions with no fake ones. In particular, payment methods such as online shopping, code scanning and face swiping are more than 90% real transactions and have a high usage rate in daily life.

1、Participate more in the online consumer psychology activities of major commercial banks

Many banks will carry out a comprehensive reduction in network consumption, competition network bonus, network discount coupons, network consumption cash bonuses and other activities to participate in as many as possible to improve the level of assessment.

For example, the positioning of bank credit cards JD beauty site, 20% discount

2, online multi-channel card swipe

Instead of stores and supermarkets, you can spend more on dining and entertainment, credit card channels should also be diversified.

First, small multi-bank business real life consumption

Second, increase online payments to meet diversified consumption needs

3. Large-scale online credit card spending is essential

A small number of daily transactions is not conducive to banks to classify the level of customer spending. In addition, large online credit cards can still make money for banks. Therefore, appropriate online large credit card swipes can avoid being controlled by banks and can also effectively improve personal qualifications.

4, online for small consumption swipe card should account for the majority, small loans do not mean low amount

The proportion of online small swipe card should account for the majority, but small is not low, generally 200 to 1000 is small.

In fact, from these small details can be seen, the bank's comprehensive evaluation model of the so-called credit card is also changing. So if we want to increase the amount of credit card swiped, we must change the way we swipe our cards, lest those swiping more than 80% will no longer be practical.

So, my friends, if we want to keep our credit cards, we have to change the way we swipe them.