1. Industrial and Commercial Bank of China

1. ICBC likes customers with assets, customers who like overseas consumption, customers who like to buy financial metal transactions, funds, and customers with high star value.

2. Business people like to make large purchases, including multiple purchases. It is OK to empty the card. Risk control is not strict, and appropriate consumption is not a big problem.

3. ICBC also adopts high risk control measures for customers without deposits and customers who use cards abnormally. Therefore, ICBC can use fixed deposits to apply for a card or raise a limit.

4. ICBC has a product that other banks don’t have, which is star value. You can use it to earn stars, which is helpful for applying for credit cards.

5. If your ICBC credit card (debit card) limit is less than 100,000, then you only need to swipe your ICBC Merchant Friend Card to double 7 stars. The main method is to buy the financial products of Step by Step, then sell them after buying them, and easily increase the amount to 50,000-100,000.

6. Use more cards and make more installments. A few normal Posiji purchases every month, the amount does not need to be too high. Generally do not make the minimum payment, but pay it off in full. After a few months, it is appropriate to call and apply for a quota increase.

7. Apply for credit card (debit card). For a small-limit card with a few thousand, deposit 20,000-50,000 at a time, and then swipe it out again or several times. Under normal circumstances, the customer service will take the initiative to call you. When asked on the phone, it can be said that the credit card (debit card) limit is too small, so if you use it as a savings card and deposit and recharge it every day, usually the customer service will take the initiative to call and increase the limit.

8. Upload proof of financial resources, car license, and real estate certificate. Authentic ones are best. If you don’t find a way to do it yourself, the same is true for business licenses. Upload these to the credit card (debit card) customer service center by fax. , the success rate is also very high when calling to apply for an increase in the fixed limit.

2. China Everbright Bank

1. It is easy to open an account and apply for a card by card. As long as the preparations are done well, it is easy to open an account or apply for a card.

2. Everbright Bank’s quota increase requires system evaluation to adjust the amount, so don’t miss the opportunity to raise your limit at Everbright Bank.

3. The Everbright Bank’s aviation and high-speed rail steward co-branded card has many discounts and rights for transportation.

4. As a joint-stock bank, Everbright attaches great importance to the number of credit cards swiped by customers.

5. The temporary quota is an important point when Everbright raises the quota. It is usually adjusted once every three months. After adjusting the temporary quota, remember to use part of the temporary quota.

6. After the bill comes out, you are required to repay the bill in full. Correspondingly, do not make installments. Because China Everbright Bank defines high-quality customers as stable consumption customers, they are not very sensitive to installments.

3. Shanghai Pudong Development Bank

1. The biggest advantage of Shanghai Pudong Development Credit Card (debit card) is that high-quality customers can have a universal limit, which can be used directly in cash. Very good deal.

2. Pudong Development Bank likes to pay in installments, no matter how much the amount is, it can be done in installments, which is conducive to increasing the amount.

3. Pay attention to consumption, pay attention to the type of credit card you usually use, and avoid frequent consumption at the same place.

4. Pay attention to points consumption (10-20 transactions), and remember to repay on time.

5. You can only apply for a quota increase after using it for more than half a year. If you apply for a permanent quota increase again, it must be more than half a year since the last quota increase.

6. To increase the limit of Pudong Development Credit Card (debit card), the temporary limit must be exceeded. Pufa Card generally uses six months to increase the temporary limit, and it is a must. The requirement is that when using the temporary limit, it must be paid back in full. After three months, the next temporary quota adjustment will be performed.

7. Try to make around 10-20 purchases every month, either online or offline. It would be better if you have points for consumption. The most important thing is to be on time. Repay the loan and maintain a good credit record; in addition, if you provide proof of financial resources such as a real estate certificate and income certificate, the success rate of the credit increase will also be greatly increased.

8. The lifeblood of Pudong Development Bank is installment. No matter how much the installment is, as long as you do it, he will increase the amount.

4. Bank of Communications

1. It is easy to apply for the card. Generally, those who have a credit card (debit card) or have good qualifications can apply for the card in seconds. The Bank of Communications will also provide high-quality customers with Come to Haoxiang Loan with independent quota.

2. There are many activities, swipe every week, every day, and it is recommended to send gifts. Generally, Bank of Communications cards with 20,000 yuan are valuable in operation. Cards with 20,000 yuan or more can directly invite you to apply for a platinum card, with a starting limit of 50,000. , cards with a limit of less than 20,000 can operate Xiangdai and Fixed.

3. Be sure not to use up all the credit limit as soon as you open the card. Leave 30% of the money in the new card, and do not make installments in the first 3 months of the new card.

4. Regularly participate in weekly brushing activities, deposit money the day before the bill date, and wait for consumption the next day, but do not consume it all immediately.

5. It is best to have a Bank of Communications savings card, activate mobile online banking, bind a credit card (debit card), and make daily transactions on the debit card.

6. A single transaction can exceed 10,000 yuan at most. Traffic is not very sensitive to the number of transactions, but you must be prepared for what kind of merchants you want to use, and spend as much as possible in high-consumption industries. If possible, go to the cooperative merchants of Bank of Communications (such as the most popular Friday Supermarket) to make purchases, cooperative supermarkets, cooperative gas stations, and cooperative catering merchants. Make a few transactions per month, and the effect will be the best.

7. For foreign currency consumption, you must remember to open a savings card for repayment.

8. It is difficult for Bank of Communications to increase your credit limit, but it will always be reduced suddenly. Therefore, when using Bank of Communications, you must pay attention to the card you use. However, if you encounter the opportunity for Bank of Communications to increase your credit limit, then Just mention it quickly, because the amount of increase is crazy.

9. Call to cancel the card: The customer service will tell you that you are a high-quality customer, and someone will contact you in about 5 days. Generally, you will check the limit after a day or two and find that the limit will be increased.

10. Freeze credit cards (credit cards) for half a year or a year: Many cardholders report that they cannot always raise the credit limit for frequently used credit cards (credit cards) because the monthly credit limit is far from the credit limit. . But if you put the card in a drawer for two months and don’t receive a credit increase text message, the possibility is relatively high.

11. It is best not to mention the temporary limit. If you mention it, you will not be given a Haoxiang Loan and an invitation platinum card.

12. In the first two months of the new transportation card, remember not to use risk-controlled merchants (hand-swiped merchants, low-end merchants) and a single transaction amount greater than 7k.

13. For customers who don’t like installment plans, it is best not to do installment plans consecutively. The best installment time is 3-6 months.

14. Don’t make installments too frequently, don’t frequently block low-end merchants, and diversify your credit cards.

15. Bank of Communications has blocked and frozen cards without warning. Now it is blocking and derating cards for unknown reasons on a large scale. The magnitude is larger and wider than before. I have held Bank of Communications credit cards (debit cards) for many years. Cardholders and those who use their cards normally may be within the scope of accidental damage.

Road

5. Minsheng Bank

1. I like to have housing loans, car loans, and academic qualifications.

2. Minsheng Credit Card (credit card) is recommended for those who need a large-amount credit card (credit card). Basically, other banks may not be able to reach particularly high amounts (1-30w).

3. Men can choose the in card, and women can choose the woman card. The pass rate is high.

4. It's better, at least it has a little bit of wool. You can increase your quota by just swiping. For the time being, you can basically get it every month.

5. Minsheng treats existing customers well, and the quota increase is still good.

6. Make multiple small-amount transactions in appropriate installments, and occasionally large-amount transactions, but do not make too many large-amount transactions.

7. Shopping frequently, shopping at high-end merchants, the amount can be a few hundred, or it can be large, and a temporary quota is given for overseas consumption.

8. Customers who don’t like to frequent 4S stores and wholesale of hardware and building materials.

9. Choose overseas websites for shopping. Overseas websites: Haitao, Meiya De Ya Riya, etc. Bonus points: hotels, large amounts, top-up, single installment, bill installment.

10. Use the temporary limit more often, and there will be a temporary limit for 3 consecutive months. If you use the temporary limit more, then there will be a fixed limit. For example: you can adjust the fixed limit after using the first card for more than half a year. Then apply for a temporary limit, use it temporarily for 3 months, and then apply for a fixed limit in the fourth month. After withdrawing the fixed limit, the bill will be issued next month, and then apply for a temporary limit about 3 days after repaying the amount in full.

11. Two days after repayment on the bill date, call customer service immediately to apply for a credit limit increase.

12. Apply for a temporary quota first, and apply immediately after the temporary quota is applied (if you do not use the temporary quota, Minsheng will think that you do not need to increase the quota, which may lead to a failure in the curve), and then apply online immediately. After placing the card, you can basically achieve success in a curve!

6. Agricultural Bank of China

1. Agricultural Bank of China likes to make large purchases, such as buying home appliances and decoration. Of course, please call customer service to explain the situation as much as possible before using it. Agricultural Bank of China does not look at liabilities. You can spend more and swipe more. There is no limit on the number of swipes. Agricultural Bank of China likes to swipe more.

2. Agricultural Bank of China has no limit on the amount you can raise. Do you think it’s not worth having? Moreover, as long as you use the Agricultural Bank of China's credit card (debit card) and apply for a limit increase every once in a while, you will be given more or less credit, basically every six months.

3. If you have a turnover in the Agricultural Bank of China, of course, you can also use credit cards (debit cards) in installments. In this way, when the bank makes money, it will naturally increase your limit.

4. Remember that Agricultural Bank of China’s credit card (debit card) cannot withdraw cash without consumption, and it is basically difficult to withdraw funds after withdrawing cash from Agricultural Bank of China.

5. The temporary quota of Agricultural Bank of China occupies a fixed quota. In other words, using the temporary quota once takes up the time for the fixed quota to increase. It is best not to use the temporary quota.

6. Don’t call customers frequently to apply for loan increases, otherwise your credit report will show post-loan management.

7. Agricultural Bank of China’s WeChat and self-service voice calls can only increase the temporary quota.

8. Curved limit increase, such as credit coins some time ago. After the application is successful, call customer service and ask for the limit to be adjusted.

9. Before raising the limit at Agricultural Bank of China, you must make preparations. Go to five different places to swipe your card, no matter how big the amount is, and then call the customer directly to tell you that you want to renovate, buy appliances, apply, and temporarily renovate. For the quota, go to the green channel, and then call the customer to tell them that they need to increase the quota. If the quota is approved immediately when the fixed quota is raised, and you feel that it is less, call immediately and raise it again (only on the same day). Please pay less for the first call and the second time. The lion continues to open his mouth.

7. Bank of China

1. Bank of China values ??deposits, so before applying, or if you want to raise your limit, you can apply for a Bank of China debit card and deposit money regularly.

2. Swipe the card as much as possible, and the total consumption amount within six months should be at least 30% of the amount.

3. Make as many purchases as possible, with an average of more than 10 purchases per month. If there are more than 20 purchases, it will be easier to increase the limit.

4. There are many types of consumer merchants, such as shopping malls, supermarkets, gas stations, restaurants, hotels, tourism, entertainment venues, etc.

5. The smaller the bulk consumption such as wholesale and house and car purchases, the easier it is to increase the amount.

6. The less online shopping, Alipay transactions and cash withdrawals, the easier it is to approve the application for increasing the limit.

7. Bank of China, as long as there is a repayment record, can adjust the temporary limit. You can then run a second temporary quota adjustment.

8. Bank of China’s first permanent quota increase will be 6 months later, and the next permanent quota increase will be 3 months later.

9. Apply for a temporary limit, and then apply for a new card. The permanent limit of the new card will be the fixed limit of your previous card plus the temporary limit. When the above method fails or does not work, constantly applying for new cards and canceling old cards at any time is the best way to increase the limit of Bank of China credit card (debit card).

10. Call customer service, apply for a temporary quota, and approve it in real time. It is usually between 40% and 100%. What is the loophole of customer service? It is that customer service will not give you a special increase the first time. , the maximum you can apply for is 10,000, but he will only give you up to 7,000. You have to ask him to transfer you to the highest.

8. China Construction Bank

1. Regardless of whether you spend large or small amounts, the data seems to be more, and it should be more than 10 transactions a month. Appropriate installments, preferably some foreign currency, but not too many installments.

2. Rigid, computer review, no manual intervention. The computer system is relatively rigid and operates strictly according to a set of scoring mechanisms within CCB. Only cardholders who reach a certain score will be invited by CCB to increase their permanent limit. Cardholders cannot apply for a permanent limit increase.

3. Appropriate installments, but not too many installments.

4. CCB has many overseas shopping activities. Participating in more of its overseas shopping activities will help increase your credit limit.

9. China Merchants Bank

1. China Merchants Bank likes to look at the number of purchases and is not sensitive to large purchases. It just needs to change the consumption method to card consumption as much as possible. If a credit card has a limit of 10,000, there is a huge difference between making one purchase of 9,999 per month and making 50 purchases totaling 9,999. According to incomplete statistics, most banks will consider the active use of credit cards (debit cards) when comprehensively assessing a customer's creditworthiness.

2. If China Merchants Bank takes the initiative to increase the limit, it is best to increase the U.S. dollar limit for overseas consumption. In fact, when your U.S. dollar limit increases, your RMB limit also increases.

3. Educational background is preferred. It is not easy to apply for a card with China Merchants Bank. It is easy for white households with academic qualifications to apply.

4. Those who have no academic qualifications should apply. It is better to open a savings card to make money or save money before applying! Once the preparations are done well, the application will be automatically reviewed very quickly.

5. China Merchants Bank pays special attention to the number of times cardholders swipe their cards, so they develop the habit of swiping their credit cards (debit cards) more frequently.

6. Another point is that overseas consumption will greatly increase the success rate of your application for a quota increase. Maybe China Merchants Bank will take the initiative to ask you for a quota increase.

10. China CITIC Bank

1. CITIC Bank likes large purchases with high rates and repays them in full.

2. You can participate in consumer activities launched by banks.

3. CITIC Bank’s methods of raising funds can be divided into genuine and special methods: the genuine method refers to large-amount consumption, and you can withdraw it in a short time.

The special method is to go directly to the business branch to apply for a card, treat yourself as a new user, fill in the same information as the CITIC Bank credit card (debit card) you already hold, submit the form, and it will be 100% successful. When you download the card, your new card limit will 100% be doubled, which is the commonly discussed curve method.

4. It is easier to increase the limit of CITIC Bank if you don’t use it very much, or you can only increase the limit if you have held the card for more than 9 months.

5. CITIC Bank’s way of increasing your credit limit is to go to high-end merchants, keep 30% of the credit limit, and repay it in full as soon as the bill comes out. When playing with credit cards (debit cards), everyone is reminded to remember that it is best to be on time and in full. Repay the loan in advance, which will be helpful in adjusting the balance! It is still more difficult for CITIC to proactively increase the fixed limit than other banks.

6. Make large purchases in installments. In this way, it won’t take long to increase the limit. In addition: after using the card for 6 months, make 6 purchases, pay the full amount after the bill is issued, let the card sleep, and the bank will also take the initiative to call you to raise the balance.

11. Ping An Bank

1. Open a Ping An savings card, make some money, buy Ping An insurance, open an account with Lufax and invest a few yuan to have a footprint. etc!

2. As long as you prepare well, the card approval is basically 100% safe. In terms of credit limit, Ping An Credit Card (debit card) was not very powerful when it first came out.

3. Ping An pays attention to quantity, and they like to use Ping An’s money to lend money and earn interest. However, as long as you use Ping An’s credit card (debit card) well, Ping An will automatically give you a loan with a certain limit. All very good!

4. If you are a novice, you can first take a walk in Ping An, then fill in the information and apply for a Ping An card. You can also apply for a Ping An card.

5. After using the card for half a year, you can basically apply for a limit increase successfully. You can first deposit a large amount of money in the bank, then call the bank to apply for an increase, and then withdraw the money after the increase is successful.

6. Ping An is mainly engaged in insurance. You can buy Ping An Insurance and then increase Ping An’s fixed limit. The success rate is 95%

7. Curve limit increase: Download Ping An Jin Guanjia app, register, then log in, click - credit card (credit card) - click apply for a card, click more cards, click Ping An Elite Platinum Card, the card speed application curve limit is guaranteed to be 20,000, if the card limit is higher than Apply for a Ping An Platinum Credit Card (credit card) at the speed of 20,000 yuan, with a starting limit of 50,000 yuan.

12. China Guangfa Bank

1. Bills must be diversified for merchants in different industries. The number of pens does not need to be too many, normally 10-30 pens. Occasionally go to supermarkets, clothing stores, have dinner parties, refuel, etc. Try to do as much real consumption as possible.

2. During the first withdrawal of the new card, you must show your spending power.

3. Guangfa Bank’s limit increase is self-service. Guangfa Bank’s limit increase method should be the most entry-level method for playing credit card (debit card). It is very simple. You can reach about 80%-90% of the limit. , wait until the bill comes out, repay the balance in full, and then apply for an increase. Generally, as long as you have used the card for more than half a year, you can apply for a self-service credit increase once every three months.

4. Don’t have high debt for many consecutive months.

5. Do not do too many consumption installments or bill installments twice a year, and repay everything else in full to make the bank feel that the funds are safe.

6. Don’t swipe cards from the same merchant for a long time.

7. Bills must be diversified for merchants in different industries. The number of pens does not need to be too many, normally 10-30 pens. Occasionally going to supermarkets, clothing stores, dinner parties, refueling, etc. can all enrich the bill. For AA dinner parties or large purchases among friends, you can propose to swipe your own card and make as much real purchases as possible. Especially during the first withdrawal period, you must show your spending power.

8. When the initial limit is less than 10K, you can max it out appropriately, but you should pay attention to the debt ratio.

9. If you can raise temporary funds, use more temporary funds, which will also help to increase the amount.

13. Industrial Bank

1. To apply for a fast card through Industrial Bank, you are required to have at least one credit card (debit card) from another bank in your name and have used it for more than 1 year. The same person can only apply once within 30 days and cannot apply repeatedly.

2. The general limit is between 3,000-20,000. To apply for a card through Xingye, it is recommended to choose: online shopping card, and third-party co-branded card.

3. Go to the 4S store to apply for a car purchase contract. The contract fee is 1,000. Take this car purchase contract to the counter of Industrial Bank to apply for a credit limit. Generally, it will be approved 100% (1-3 times).

4. Apply for "Suixing Loan". This "Suixing Loan" can be applied if there is a limit in the card. When applying with an empty card, the customer service will reject it because this "Suixing Loan" " is included in the credit card (credit card) limit, so you cannot apply for an empty card.

If you want to apply for an empty card, please tell customer service that since you cannot apply for this "Suixing Loan", can you increase the credit card limit and apply again? If the customer service asks you how much credit you need, you will be told three times the credit limit, and installments will be made naturally after the loan is approved. After the loan is approved, the funds will be transferred to the customer's savings card, and you can repay according to the bill limit every month.

5. Diversify your consumption, make more purchases, and try your best to use merchants that cooperate with the bank, or industries that the bank prefers.

14. Huaxia Bank

1. Multi-amount diversification. The number and amount of card consumption and the types of consumer merchants must be multiple. Within half a year, the consumption amount is within the limit of the card. More than 30% of users will be more favored by Hua Xia Bank. After that, the chance of Hua Xia Bank taking the initiative to increase your credit limit will be much greater. Even if you take the initiative to raise the quota, your passing rate will be much higher.

2. There must be no overdue payment. When using a Hua Xia Bank credit card (debit card), you must pay attention to credit and repay on time. If there is an overdue payment, not only will you have to pay late fees and interest, but you will also be fined. If your credit report is affected, it will be difficult for you to apply for cards and loans.

3. Proof of financial resources. When applying for a Hua Xia credit card (debit card), you can show all your asset certificates, such as income certificate, bank deposit certificate, real estate certificate, car ownership certificate, etc. , so that your limit will be as high as possible.