How to increase the limit of China Merchants Bank Credit Card

1. How to increase the temporary limit of China Merchants Bank Credit Card?

When you need to use a higher credit limit within a certain period of time due to overseas travel, decoration of a new home, marriage, children studying abroad, etc., the credit card center can provide you with the service of increasing the temporary credit limit, allowing you to fully Enjoy the convenience of flexible credit limit. The conditions for temporary limit increase of China Merchants Bank credit card generally require holding the card for more than 3 months.

The maximum period for which the temporary quota can be increased is one month. After the period expires, the limit will return to your original fixed limit.

2. How to increase the fixed limit of China Merchants Bank credit card?

1. After using the card for a period of time, you can call the customer service hotline to apply for an increase in your credit limit. We will adjust your credit limit for you based on your consumption repayment record;

2. When your financial level has improved to a certain extent, you can also provide us with relevant certificates (such as real estate, car ownership, savings certificates, etc. that you have not provided before). The relevant departments will provide you with information based on the materials you attached. Do a credit limit review.

How to increase the credit card limit of China Merchants Bank

Methods to increase the credit card limit:

1. Frequently use credit cards, regardless of the amount, as long as you can swipe the card, you will definitely swipe the card Consumption.

2. It is best to generate at least 50% of the total bill consumption every month.

3. If you need to increase the quota due to short-term needs such as festivals, tourism, business trips, etc., you can apply for a temporary quota increase, which will be easier to approve.

4. The bills for card consumption must be for 3 consecutive months without interruption, that is, there must be consumption every month.

5. Use less revolving credit, that is, use less of the minimum repayment amount for repayment.

6. The cardholder's repayment ability is an important factor considered by the bank. Repaying the card in full and on time shows that you have good repayment ability, which is a prerequisite for a limit increase.

7. Whether it is your personal salary, newly purchased property, or recently purchased car, etc., you can use it to prove that your personal assets have increased. Submit this information to the bank, and they will consider you as a potential user. It is very simple to increase your limit.

Extended information

Notes on using credit cards

1. Do not use credit cards as debit cards

Credit cards and debit cards are obviously different Yes, because credit cards are different from debit cards. The deposit bank does not give interest. In addition, it is easy to deposit money but difficult to withdraw cash. Even if your own money is deposited into the credit card, some credit cards will incur cash withdrawal fees when withdrawing cash.

2. After installment repayment, you need to pay a handling fee

Credit card installment repayment, regardless of any bank’s credit card, after applying for installment repayment, if you want to repay in full For repayment, handling fees will still be charged, and the handling fees are also quite large.

3. Cherish your own credit limit

You must cherish your own credit limit. No matter how big the credit limit is, it is all brought by your own credit report. Do not overdue your credit. Once it is overdue, It will have a great impact on yourself

4. Late repayment of credit card

Late repayment will leave a bad record. Two bad records may lead to the failure of the mortgage loan. Although banks have certain flexibility for overdue repayments, such as 1-3 days, each bank has different regulations. If this happens, it is best to call customer service for consultation.