How often can you apply for a temporary limit on a credit card?

A credit card must be used for more than 3 months before you can apply to increase the temporary limit.

Generally, banks can apply once a month.

Temporary credit limit, as the name implies, is a credit limit that the bank temporarily increases based on the permanent credit limit in order to meet the temporary needs of customers. As per the bank's regulations.

The validity period of a temporary credit card limit is generally one month. As long as all the debts owed to the temporary limit are paid off when the temporary limit expires, you can continue to apply for the temporary limit.

Extended information

Each bank has different temporary quota policies, and the quota increase time is also different:

1. Bank of China: The first quota increase only requires The repayment record is enough. There is no limit on the time for the second increase. You can apply to the bank at any time as long as you need it;

2. Industrial and Commercial Bank of China: You can apply for the first temporary increase at any time. After that, you can apply for it at any time. You can apply for an adjustment once every one month;

3. China Construction Bank: The first time you apply for a temporary quota, you need to use the card for 2 months before you can apply. After that, you can apply for an adjustment every one month;

4. Agricultural Bank of China: There is no time limit for applying for a temporary quota and you can apply at any time;

5. China Merchants Bank: There is no time limit for applying for a temporary quota and you can apply for it at any time;

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6. Guangfa Bank: The first application for a temporary increase must be made after holding the card for 6 months, and can be adjusted every six months;

7. Shanghai Pudong Development Bank: The first application for a temporary increase The limit needs to be increased after holding the card for 4 months. After that, you can apply for an adjustment every 1 month;

8. Everbright Bank: The first application for temporary limit increase must be made after holding the card for 3 months. Thereafter, you can apply for a temporary credit limit increase every 3 months;

9. Hua Xia Bank: The first application for a temporary limit increase must be made after holding the card for 6 months, and you can apply for a temporary credit limit increase every 2 months. amount;

10. Industrial Bank: There is no time limit for applying for a temporary quota, and you can apply at any time;

11. Bank of Communications: You cannot actively apply for a temporary quota, and can only be invited by the bank;< /p>

12. China CITIC Bank: Temporary applications cannot be made on your own initiative and can only be invited by the bank.

Reference: Baidu Encyclopedia - Credit Card Limit

How many times can you apply for a credit card in a month?

This bank has no regulations on how many times you can apply for a credit card in a month. , you can apply as many times as you want. However, it is not recommended to apply for a credit card multiple times within a month, because every time you apply for a credit card, the bank will check the credit report. In this way, there will be many inquiry records on the credit report, which will waste the credit report. If you compare the credit report If you care, you need to pay attention to this issue.

Credit Card

Credit Card (English: CreditCard) is a non-cash payment method and a simple credit service. A credit card is generally a plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm (the size is defined by the ISO7810 and 7816 series of documents). It is issued to the cardholder by the bank or credit card company based on the user's creditworthiness and financial resources. People do not need to pay cash when making purchases with a credit card, and repayment will be made on the settlement date. Except for some credit cards combined with debit cards, general credit cards are different from debit cards and ATM cards in that credit cards will not directly deduct funds from the user's account.

In layman's terms, a credit card is a small loan payment tool provided by banks to users who consume first and repay later. That is, when your shopping needs exceed your ability to pay or you do not want to use cash, you can borrow money from the bank. This kind of borrowing does not require any interest or handling fees. A credit card is a certificate that a bank promises to lend you money. A credit card will tell you how much money you can borrow from the bank and when you need to pay it back.

Requirements for applying for a credit card:

1. Be 18 years or older and have full capacity for civil conduct;

2. Have a good credit record;

< p>3. Applicants can apply for no more than two supplementary cards for their spouses or relatives who have full capacity for civil conduct.

Materials for applying for a credit card:

1. Identity proof: copy of resident ID card or military officer ID;

2. Work and income proof;

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3. Other proof of financial resources: such as a copy of the real estate certificate, a copy of the driving license, a copy of the deposit receipt, etc.

Credit card application method:

1. Bring credit certificate to the counter to apply: Applicants are required to submit relatively complete asset certification documents and submit the above to the bank for review by the bank's back-end review department.

2. Online banking application: The applicant uses a savings card account under his or her name to open online banking, enter the official website of the required bank, enter the login password and verification code, and then enter the online banking page. Click "Credit Card Service", you can choose to apply for a credit card under the credit card service page, fill in the information and submit it. The review progress and results will be displayed on the online banking.

How often can you apply for a credit card?

After a failed credit card application, it is best to apply again three months later. If you apply too frequently, you will be suspected of rushing to apply for a credit card to cash out.

To apply for a credit card, you must be between the ages of 18 and 60, have full capacity for civil conduct, have a legal and stable source of income, and have good credit standing. All Chinese, foreigners permanently residing in the country, and compatriots from Hong Kong, Macao and Taiwan are welcome. Apply for a credit card to the card issuer with your valid ID.

Main features of credit card:

1. Credit card is one of the fastest growing financial services today. It is an electronic currency that can replace traditional cash circulation within a certain range. ;

2. Credit cards have both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;

3. Credit cards are high-tech products that integrate financial services and computer technology.

4. Credit cards can reduce the use of cash;

5. Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;

6. Credit cards It can simplify the collection procedures and save social labor;

7. Credit cards can promote product sales and meet social needs.

Credit card applications need to meet the following conditions:

1. First, citizens who are over 18 years old and have civil capacity are required.

2. It is required to have a stable income and provide proof of income, firstly to prove the ability to repay, and secondly to use it as a reference for setting the credit card limit. If you have successfully applied for a credit card, you can use the card to apply for a card, and the process will be much easier.

3. The personal credit report must be good and have no bad records.

4. Whether you can successfully apply for a credit card is also related to your occupation. For example, security, self-employed, farmers, etc. are more difficult to successfully apply for. However, the editor learned that some banks have launched "Benefit Cards" for farmers.

5. Generally speaking, a stable job is a necessary condition for successfully applying for a credit card. Of course, this is not absolute. For example, many universities now have card processing services specifically for college students. This is to apply for a credit card unconditionally. College students only need to bring their personal documents and student ID cards to the bank to apply for it.

6. Foreign and overseas personnel and active-duty military officers who receive the card in their own name should provide a temporary household registration issued by the local public security department or a certificate issued by the relevant department, and must provide a guarantee unit that meets the guarantee conditions or have a local household registration. , a guarantor working locally.

Main types

According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., and are used for purchasing tickets, meals, accommodation, entertainment, etc.

How long is the temporary credit limit of Shanghai Pudong Development Bank valid for? How often can I apply?

Credit card limits have always been very important to people. A high limit makes consumption convenient. Therefore, if the credit card limit of many people is not enough, they will increase the limit. For example, if there is an urgent need for funds, most people will choose to apply for a temporary quota to use. Of course, the temporary quota has an expiration date.

So, how long is the temporary credit limit of Shanghai Pudong Development Bank valid for? How often can I apply?

How long is the temporary credit limit of Shanghai Pudong Development Bank valid for?

The temporary limit of Shanghai Pudong Development Bank Credit Card is valid for one month. After one month, the temporary limit automatically expires and can no longer be used.

How often can I apply for a temporary limit for Shanghai Pudong Development Bank credit card?

1. First-time application

If you are applying for the temporary limit of Shanghai Pudong Development Bank Credit Card for the first time, you need to use the card for 4 months before you can apply.

2. Apply again

If you have used the temporary limit of Shanghai Pudong Development Bank credit card and want to apply again, you must at least repay the temporary limit of the last application. Continue to apply. In other words, it will take at least a month before you can apply again.

Can I apply again if the temporary credit limit of Shanghai Pudong Development Bank Credit Card is not used up?

As mentioned above, generally the temporary limit of Shanghai Pudong Development Bank credit card must be paid off before you can apply again. Therefore, if the temporary limit you have applied for has not been used up, you basically cannot apply again. Go apply for a temporary quota.

The above is the answer to "How long is the temporary credit limit of Shanghai Pudong Development Bank valid? How often can I apply for it?" The temporary credit limit of Shanghai Pudong Development Bank is valid for one month. Because the temporary quota must be paid off before you can apply again, you can basically apply once every two months.

How often does it take to apply for a credit card?

As long as the credit card you applied for is successfully applied for, the time between applying for the next credit card does not need to be too long, especially if you apply for a credit card from another bank, you can even apply for it at the same time. However, don’t apply for credit cards too frequently and don’t hold too many cards. It’s best to have about 3 cards in one person’s name.

If your credit card application is rejected, it is best to wait for more than 3 months between applying for a second card. The longer the interval, the better. Before applying again, you must find out the reasons for the card rejection and improve them. You can then apply again. Especially if you are rejected due to credit reasons, you must not blindly apply for a card again, and improve your credit score for at least two years before applying again.

1. Are there any credit cards that can be approved instantly without checking the credit report?

There is no credit card that can be approved instantly without checking the credit report.

Every credit card is approved by the bank after rigorous review. Whether the applicant's credit report is good or not determines whether to apply for the card. Don't trust those black intermediaries. How can you apply for a large credit card with just your ID card? , instant approval without checking the credit report, etc. are all scams.

If you want to master some instant credit cards, you can refer to the following points:

1. The company organizes a group to apply for credit cards at the same time. The company is preferably a public institution, a state-owned enterprise, or a well-known large enterprise;

2. Make your credit condition look better and apply for a card online;

3. Bank VIP customers are recommended to apply for a card;

4. Yes He uses a high-limit credit card to apply for a card.

2. Will the card be canceled while the credit card display data is being processed?

The credit card shows that the data is being processed, which means that the bank has accepted the application and is verifying the data information. It is about to enter the review stage. As for whether the card will be issued, you will have to wait for the review results to be known. The credit card review is carried out by the system, which will combine the applicant's information, personal credit status and other comprehensive assessments. If the score meets the card cancellation criteria, the card will be canceled.

On the contrary, if the comprehensive score is insufficient, the application will be rejected and the bank will not issue the card. Applicants can pay attention to the progress of card application at any time.

3. When applying for a credit card, can I fill in the company name casually?

This must not be filled in casually.

Applying for a credit card requires a stable job and income, so you will need to fill in the company information and call the company's landline number to go to the company to verify the true information of the card applicant. If you fill in your organization casually or fill in false organization information, the bank will not approve your card if the bank finds out that this person is not there, and may even blacklist the applicant.

How long is the interval between credit card applications?

Normally, after the initial application for a credit card is rejected, it is better to try again after three months. If you apply again in the short term, the bank will reject the application based on the situation of the initial application. It is best to Please wait 6-12 months before applying again.

Therefore, don’t be so anxious when applying, because when the bank is reviewing your application information, it will check your recent applications. If the bank sees your past application records, it will doubt your intention to apply for a credit card, so before The longer the time between applications, the better.

1. Basic conditions for credit card application

The applicant must be a Chinese citizen who is over 18 years old, has full capacity for civil conduct, has a legal and stable source of income and has good credit standing Or foreigners and compatriots from Hong Kong, Macao and Taiwan permanently residing in the country.

2. Credit card application methods

There are two types of credit card applications: online and offline.

1. If you want to apply for a credit card online, taking CCB as an example, the application process is as follows: Click the "Apply for Credit Card Online" link on the homepage of CCB Mobile Banking 5.5.9 to enter the application page (or click the "Application" link for a product Enter the product application page) - Select the location, application card type, customer type and whether to hold an online banking shield - New users choose no online banking U-shield, read and sign the application agreement - Completely fill in the application information and confirm the application information You can submit it - if approved, an interview SMS will be sent. After receiving the interview SMS, the customer can go to any of our bank outlets near the statement address for an interview as soon as possible with the SMS and his/her ID card.

2. If you apply at an offline outlet, you must first prepare the application materials required for the application, then go to the bank outlet to obtain the application form, fill it out and submit it together with the application materials, and then wait for the review results.

3. Things to note when using credit cards:

1. Pay attention to two dates: the billing date and the repayment date

Generally, the repayment date is after the billing date. 20 days or 25 days. If the card is swiped one day after the bill date, the interest-free period will be the longest. If the card is swiped the day before the bill date, the interest-free period will be the shortest.

2. Protect the credit card information

The three most critical information on the credit card: validity period and CVV code affect the security of your card use. Especially the CVV code, which is as important as the password. It is recommended to use correction fluid or stickers to cover the CVV code. Some people even use a razor blade to scratch off the CVV code and keep those three numbers in mind.

3. Only by swiping your card frequently will you be able to avoid annual fees; only by paying your bills on time can you raise your credit limit

Generally, the annual fee can be waived if you swipe your credit card six times. Therefore, you must pay the annual fee, swipe your card more often, and increase your credit card limit. At the same time, pay back on time and maintain a good credit record. This is also a way to increase your credit limit. And now mobile POS cardless payment is also very convenient and belongs to online consumption. Combined with daily offline consumption, multiple combinations can be used.

That’s it for the introduction of how often to apply for a credit card.