To put it bluntly, this may be the card with the highest credit limit. I believe many people have guessed it is——China Merchants Bank Credit Card.

There is a basis for saying this. What is the business philosophy of China Merchants Bank changes because of you! This slogan is very popular. The top spot in the joint-stock bank is focused on retail business, so the credit card of China Merchants Bank can be said to be very, very, very user-friendly.

Why is it said that it is the fastest to increase the credit limit? As long as the card is used continuously for 3 months without maxing out and there is no minimum repayment, 80% of people will have a temporary limit, and the temporary limit can be renewed for 3 consecutive times. Yue, can you help me? How to check the temporary quota? Bind with WeChat, or download China Merchants Bank Mobile Life and log in to take a look, there will definitely be one.

Next, let’s talk about how to raise the fixed limit. It is very simple. Cash installment. It is recommended that the installment limit is 40% of the fixed limit of the credit card. If it is too much, you will have to pay more interest, and if it is too little, it will have no effect. Coupled with 5-10 small purchases, the fixed amount can basically be adjusted in about 2 months.

By repeating this operation, the quota will be doubled within half a year. It is normal to double the quota by 2-3 times.

How can I say that the risk control is the loosest? Almost all credit cards are very sensitive to large purchases. For example, Ping An’s card a few years ago, as long as the transaction exceeded 10,000, it would definitely not be able to be used, or Call in advance to make an appointment, or wait for the call after completing the payment. The headquarters will call and ask you how much you spent, whether it was for yourself, etc. You can only use it after asking. However, you don't have to worry about China Merchants Bank credit cards. You can use them casually and make large purchases. It also does not affect the amount raised.

Finally, let me talk about why points are the most valuable, because they are worth 1 point for every 20 yuan spent. Others are 1 yuan per point. Some card types can earn 2-5 times the points in designated industries. Merchant cards are all about personality. No points will be awarded for purchases below 20 yuan, but only points for purchases above 20 yuan. So when redeeming gifts, other banks only need tens or hundreds of thousands of points to exchange for a water cup or something, but CMB only needs a few hundred points.