The calculation method is as follows:

Credit limit (minus unpaid amount) (minus accumulated amount used but not recorded).

(equal to) available quota

For example, your credit line is 20,000 yuan, the unpaid paid amount is 65,438+0,000 yuan, and the used and unrecorded amount is 4,000 yuan, so your available line at this time is 6,000 yuan.

Note: The available amount will decrease with each consumption, and will be restored accordingly with your repayment in each installment.

Methods of increasing credit limit

Increasing the credit limit is the wish of many cardholders. Generally speaking, there are two ways to increase the credit limit:

First, provide more financial documents, such as self-owned real estate license, self-owned car, employment and income certificate, etc.

Another way is to swipe your card according to your spending power. The more you brush, the higher the possibility of increasing the amount.

Generally speaking, if the monthly credit card spending reaches or exceeds 50-60% of the current available quota for three consecutive months, the system of China Merchants Bank will probably take the initiative to increase the fixed quota for you.

If the system does not automatically increase your quota, you can call 8008205555 to apply for an increase? Quota? .

If you want to increase the credit limit, it is the last word to brush more within your own economic ability.