手机 POS 机怎么养卡

在当今的金融交易领域，手机 POS 机作为一种便捷的支付工具，也被一些用户用于养卡。那么，手机 POS 机怎么养卡呢？

首先，开卡后的前三个月要好好积累信用，如期按时全额还款。这是建立良好信用记录的基础。

勤还款也是关键。有钱就还，这样能增加资金周转的效率和利用率。刷卡还卡的频率越大，银行越喜欢。

常刷小额交易，一个月至少做两笔取现，让银行赚点利息。但要注意，想套现周转资金的朋友，银行认定套现的关键在于大额消费的整进整出，透支的额度占总额度的比例高且维持时间长，这是用卡的大忌。

在使用手机 POS 机养卡时，不要太早或太晚刷卡。早上 9 点之前尽量不刷卡，因为大部分店铺还没有开门；晚上 10 点以后不刷卡，因为大部分店铺已经关门了。

不要刷整数，每次刷卡尽量带小数点，例如 2386.7 元，不要刷 500、10000 之类的整数，而且刷卡金额不要重复，也不要有规律。

尽量不要刷封顶，因为封顶费率低，银行没钱赚，自然不愿意为你提额。一天内同一张卡不要刷超过 3 次，刷太多容易引起怀疑。

不要一次性还款又一次性刷出来，特别是到还款日还进去，又一次性刷出来，这是大忌。

选择手机 POS 机时，要选择有多商户的，能够避免被怀疑套现的嫌疑。在刷卡次数方面，根据所持有的信用卡的额度，调整每月刷卡次数，一般每个月在 5 - 100 笔这个区间随意跳动。刷卡时间最好是早上 9 点到晚上 10 点之间，因为这个时间段才是正常的消费时间。

每次刷卡的额度也有讲究，不宜过多，也不能太少，每次刷卡最好不要超过总额度的 70%。频繁刷爆信用卡，会被银行认为消费太过冲动。其次，刷卡金额不要总是整数，这样会被银行误认为是在套现，且每天刷卡最多不要超过三次。

还款方式要灵活运用。通常情况下，最好全额还款，但是，可以每 3 个月左右进行一次分期还款，让银行能赚一点手续费，更能增加在银行那里的印象分，对以后提额有帮助。

总之，使用手机 POS 机养卡需要注意诸多细节，合理规范地使用，才能达到提升信用卡额度、提高信用地位的目的。

How to Raise Credit Card Limit with Mobile POS Machine

In today's financial transaction field, mobile POS machines, as a convenient payment tool, are also used by some users to raise credit card limits. So, how to do it?

Firstly, in the first three months after opening the card, it is necessary to accumulate credit well and repay the full amount on time as scheduled. This is the basis for establishing a good credit record.

Frequent repayments are also crucial. Repay whenever you have money. This can increase the efficiency and utilization rate of capital turnover. The higher the frequency of swiping and repaying the card, the more the bank likes it.

Frequently make small transactions and do at least two cash withdrawals a month to let the bank earn some interest. However, it should be noted that for friends who want to cash out for working capital, the key for the bank to identify cash-out is the large amount of consumption in and out in a lump sum. A high proportion of the overdrawn amount to the total amount and a long maintenance time are taboos for using the card.

When using a mobile POS machine to raise the card limit, do not swipe the card too early or too late. Try not to swipe the card before 9 am because most stores are not open yet; do not swipe the card after 10 pm because most stores have closed.

Do not swipe integer amounts. Each time you swipe the card, try to have decimal points, such as 2386.7 yuan. Do not swipe integers like 500 or 10,000. Also, the swiping amount should not be repeated or regular.

Try not to swipe the capped amount because the capped rate is low and the bank does not make money, so it is naturally unwilling to increase your limit. Do not swipe the same card more than 3 times a day. Swiping too much can easily arouse suspicion.

Do not repay the full amount and then swipe it all out at once, especially when repaying on the due date and then swiping it all out at once. This is a big taboo.

When choosing a mobile POS machine, choose one with multiple merchants to avoid suspicion of cash-out. In terms of the number of swipes, adjust the number of monthly swipes according to the limit of the credit card you hold. Generally, it can fluctuate randomly within the range of 5 to 100 times per month. The best swiping time is from 9 am to 10 pm because this period is the normal consumption time.

The amount of each swipe is also important. It should not be too much or too little. Each swipe should preferably not exceed 70% of the total limit. Frequently maxing out the credit card will be considered by the bank as too impulsive consumption. Secondly, the swiping amount should not always be an integer, as this will be mistaken by the bank as cash-out, and the maximum number of swipes per day should not exceed three times.

The repayment method should be flexibly applied. Usually, it is best to repay the full amount. However, you can make an installment repayment about once every three months to let the bank earn a little handling fee and increase your impression score with the bank, which is helpful for future limit increase.

In conclusion, using a mobile POS machine to raise the credit card limit requires attention to many details. Only by using it reasonably and normatively can the purpose of increasing the credit card limit and improving the credit status be achieved.