You can try to apply to the card issuer to increase the limit. However, whether the limit can be increased depends on the card issuer's review of the cardholder.

The limit can be increased in the following ways.

Method 1: Frequently swipe your card to maintain a high consumption limit

Developing the habit of swiping your card to pay in your daily consumption life will help increase your credit card limit. For example, when shopping, eating out, watching movies, supermarket shopping, etc., you need to use your credit card frequently, regardless of the amount, with an average of more than 10 transactions per month. If you reach more than 20 transactions, it is easier to increase the credit limit.

In addition to the number of transactions, you should also pay attention to the total consumption amount. If you can repay it, keep your monthly bill consumption at more than 30% of the total limit, and preferably reach 80% of the total limit, so that the bank will have a greater chance of issuing an invitation to increase the limit.

Method 2: Diversify the types of consumer merchants

Not all merchants can generate income for banks, so the corresponding banks usually require cardholders to swipe their cards at such merchants. Credit card points will not be accumulated, and such card transactions will not be significantly helpful in applying for a limit increase. It is recommended that cardholders make more transactions with their cards at merchants with points.

In addition, different types of merchants should be swiped as much as possible. For example, after a few catering transactions, you can swipe at shopping malls and supermarkets to maintain transaction diversity. If you swipe multiple transactions at the same merchant in a short period of time, The transaction will be considered as suspected of cashing out by the banking system.

Method 3: Occasionally let the bank "make a profit"

The cardholder asks the bank to increase the credit limit. In addition to checking whether the cardholder's credit status has always been good, the bank also It will look at whether the cardholder can bring profits to the bank. If the cardholder repays the card in full each time, the bank will make no profit.

Therefore, after overdraft consumption, even if you are able to repay in full, you may wish to choose one or two bills with lower amounts to pay the "minimum repayment amount" or choose the installment repayment business to save money. Low interest rates gain the trust of banks.