Don’t brush your credit card

In addition to receiving orders, POS machines have many functions, and some people use them to raise credit cards. However, a considerable part of people will not use the pos machine to swipe their cards and raise cards. Some ways to swipe are simply dead.

1. Usually do not swipe, a brush is a large amount

This kind of swiping method will cause the bank to suspect that your card has been stolen or has other problems. Once this is the case, it will not be far from the derating card.

Swipe cards should be swiped with the principle of 'small amount of multiple pens'.

2. Swipe too frequently in a short period of time, non-business hours card

Many people have such a habit of just switching to another merchant and immediately switching to another merchant. This is not in line with the actual situation, so it is easy to be controlled by the bank.

The correct card time is best controlled between 9 am and 8 pm every day, and the same card is at least 30 minutes apart. For bars, KTV, hotels and other merchants, it is not surprising to brush after 8:00 in the evening, but if you only always spend a lot of money in the middle of the night, it is easy for the bank to stare, and the bank will generally put it at 8:00 in order to do the risk control. Future transactions are counted as the next day. If you are in urgent need of funds, you must prepare in advance.

3. Use POS machine in different places

Since most of the criminals are committing crimes in different places, bank risk control is very sensitive to card swiping in different places, especially the use of POS machines across provinces.

4. Check the balance and password on the pos machine

How can I not know the balance and password of my own card? Is it someone using a fake card to steal? There are a lot of friends and cards, I will forget the password and balance. Now there are a lot of bank official APPs to check the account, so be sure to confirm your password and balance before swiping on pos. Don't always enter the wrong password on pos, this is easy to cause Wind control.

5. Use a POS machine with a rate lower than 0.6%

After the rate reform of the National Development and Reform Commission on September 6, 2016, it is commonly known as “9.6 fee change”.

The rate of credit card credits for the livelihood rate is 0.6%. Some bad payment companies introduce POS machines with a rate of 0.5%, 0.45% or even 0.3% for malicious competition. The back-hopping merchants are all 0-rate merchants. Many customers who do not know the truth are deceived. Banks are not charitable organizations. The purpose of issuing credit cards by banks is to make profits. It is only a matter of time before the low-rate POS machines are used to deduct the credit cards. It saves a little fee and loses tens of thousands or even hundreds of thousands of credit lines. It is really Not worth the candle!

In addition to the card-swapping methods described in the small series, you need some basic common sense.

1. The transaction ticket (the purchase order) is retained for at least half a year.

In particular, some users occasionally help others to swipe their cards. In this case, you must confirm that you have your own credit card, and the small ticket must be signed by yourself. Some people now swipe their cards on the pos machine, and later they go to the bank to say themselves. Without this deal, the ticket and signature are the key evidence for the pos owner.

2. pos machine does not have a small ticket, the transaction is not successful

Sometimes after the card is swiped, there will be no POS machine, but the bank will receive the debit memo. In this case, the transaction is unsuccessful. The transaction funds will be returned to the cardholder account within 48 hours.