The key points to pay attention to when raising pos cards!

In recent years, pos machines have become the first choice for many credit card (debit card) users. According to the bank's criteria for judging the quality of credit card (debit card) users, of course, the more you spend, the better. Users with tens of thousands or even hundreds of thousands of quotas can't spend it every month, so they can only raise cards in this way.

The machine is genuine, ensuring the safety of funds.

Everything is based on safety, after all, it involves the issue of funds, so it is very important to choose genuine agents. To operate a safe POS machine, mainly confirm the following three points:

1. See if the payment company (third-party platform) has a license in the central bank and is eligible for acquiring bank cards.

2. See if the agent can provide the background. You can query the transaction information in the background to ensure that the settlement card bound in the background is the customer's own.

3. Ask the agent if there is any professional after-sales service. If there are problems after buying the machine, after-sales service is also very important.

4. Investigate more and prepare more. When you meet a payment company you don't know, you'd better know more about its industry information and company information.

Machine configuration, to ensure the improvement of quota efficiency.

When buying a machine, I suggest you buy a machine with a clear yard, so its safety is much higher. If some friends have limited funds, they can cooperate with multiple machines, but it must be remembered that one machine is only used to optimize the order, and the main brush machine is best to clear the code.

Identify two-dimensional code

1, machine supplier ratio

To keep a card, at least 25 independent businesses should be arranged: hotels, restaurants, jewelry, KTV, beauty salons, bowling, western restaurants, bars, department stores, fitness, laundries, bakeries, convenience stores, car wash shops, furniture, office supplies, gift shops, clothing stores, shoe stores, barber shops, amusement parks, cinemas, supermarkets, electrical appliances, gas stations and other businesses.

Among them, department stores, convenience stores, hotels, jewelry, restaurants, supermarkets and electrical appliances can be equipped with more than two merchants. What is said here is the basic configuration of the intermediary. Individuals can prepare several test results according to their own situation, and then increase them in batches later.

2. Merchants who are conducive to increasing quotas

Raising a card is to simulate the real consumption and daily consumption trajectory. Most people's life circles are relatively stable, and they spend money in their favorite restaurants, hotels or bars every month, which is very consistent with normal people's trading methods.

You can brush your favorite businesses, which is also the most conducive to increasing the quota, such as gold shops, jewelry stores, golf, restaurants, bars, cafes, department stores, hotels, gyms, beauty spas, KTV, bath massage shops, clothing stores, maternal and child stores, tobacco hotels, travel agencies and so on.

Swipe a credit card (debit card) to simulate real consumption.

1, credit card (debit card) line, both large and small, mainly small and multiple.

For example, if the credit limit of a card is 20,000, then it is best not to exceed 1000 for a single transaction, and more small amounts should be swiped from different merchants:

For example, spending tens or hundreds of dollars in department stores and convenience stores in the morning.

Brush a few hundred in the restaurant at noon and afternoon.

Spend hundreds to thousands in KTV, gyms, bath centers, bars and other businesses at night. Never spend more than three transactions per month (the specific amount and the number of transactions depend on the amount in the card, not too rigid), and the total amount of credit cards (debit cards) should not exceed 80-90% of the monthly amount.

2, credit card (debit card) time, different business in different time periods, the simulation is more realistic.

Morning: 6:00- 10, mainly buying breakfast, mainly brushing supermarkets, convenience stores, bakeries and grocery stores. The amount is between 10 yuan and 100 yuan.

Noon: 1 1 to 3 o'clock, mainly brushing: restaurants or restaurants, convenience stores, bakeries, etc. 100 yuan to 2000 yuan.

From 4 pm to 7 pm, the main brush: restaurant or western restaurant. 100 yuan to 2000 yuan.

Evening: 7:00- 10, shopping, daily entertainment: department stores, supermarkets, fitness bars, beauty salons, bowling, ktv, cinemas, etc. 100 yuan to 5000 yuan.

Buy pos machine

On Saturday and Sunday, the method of swiping credit card (debit card) is different from usual. These two days are rest time, and everyone can swipe their cards freely. For example, foreign tourists stay in hotels, and foreign hotels use credit cards (debit cards), such as car washing and so on.

In short, you have to prove to the bank that you are a customer with consumer demand and repayment ability, and the bank will think that you are valuable to them.

The probability of credit card (debit card) being swiped, blocked or downgraded increases.

1. Usually, credit cards (debit cards) are not swiped, and a swipe is a large sum.

In this way, the bank will suspect that you are in TX or your card has been swiped, so you are not far from reducing your card!

2. Credit cards (debit cards) are swiped too frequently in a short time, and credit cards (debit cards) are swiped during non-business hours.

Some card friends are in a hurry, and they change to another merchant as soon as they finish brushing one merchant, which is not in line with the actual situation and is easy to be controlled by banks.

It is best to swipe your credit card (debit card) between 9 am and 8 pm every day, and swipe your credit card (credit card) with the same card at least 30 minutes apart.

For bars, KTV, hotels and other businesses, although it is not surprising to brush after 8 pm, if you always brush a large amount in the middle of the night, it is easy to be targeted by banks.

Moreover, in order to do a good job in risk control, banks generally count transactions after 8 pm as the next day. If you are a friend in urgent need of funds, you must be prepared in advance.

3. use POS machines in different places.

It is illogical to swipe a credit card (debit card) in different places. Second, banks believe that there may be a risk of card theft, so bank risk control is very sensitive to swiping credit cards (debit cards) in different places, especially using POS machines across provinces.

4. Check the balance or try the password on the POS machine.

How can my card not know the balance and password? Did someone steal it with a fake card?

Friends have a lot of cards and will forget their passwords and balances. There are many official bank apps that can be used to audit accounts, so be sure to confirm the password and balance before swiping a credit card (debit card) on the pos. Don't always enter the wrong password on the POS machine, which will easily lead to risk control.

To swipe a credit card (debit card) receipt, you must know the common sense of swiping a credit card (debit card).

1. The transaction receipt shall be kept for at least half a year.

In particular, some users will occasionally help others swipe their credit cards (debit cards). In this case, it must be confirmed that I swiped my credit card (debit card) and the receipt must be signed by myself.

Now someone swipes a credit card (debit card) on a POS machine, and later tells the bank that there is no such transaction. At this time, for the POS owner, the receipt and signature are the key evidence.

2. If there is no receipt in the POS machine, the transaction is unsuccessful.

Sometimes, after swiping a credit card (debit card), there will be a POS machine without a receipt, but it will receive a debit message from the bank. In this case, the transaction is actually unsuccessful and the transaction funds will be returned to the cardholder's account within 48 hours.

Pos machine maintenance card

If you want to solve it as soon as possible, there are two ways:

When you make an inquiry or make a consumer transaction (any amount) on the POS machine, the POS machine will remind you that "automatic reversal is successful", and the cardholder will receive another bank reminder message that the deduction has been returned to the account, and the merchant will immediately settle the account and the money will be returned to the card immediately.

As long as you master the correct card maintenance methods of these pos machines, you can avoid unnecessary troubles. In addition, you should choose a pos machine with high rate, so that the bank can make money, make appropriate installment or minimum repayment, and remember not to overdue, so that the bank can judge that you are a high-quality credit card (debit card) user.