1, increase the frequency of card swiping.
Consumption by credit card is not equal to blind consumption. Make sure that you have repayment guarantee within your ability. Then it is a good strategy to increase the credit limit by swiping the card as much as possible. The staff of Guangfa Bank said that it is easy for customers to prove that this card is often used by increasing the number of swipes.
At the same time, credit cards approach or exceed the limit every month. This is to tell the bank that your credit card limit is really insufficient. In this case, it is very likely that the bank will take the initiative to inform you that "the credit card limit can be increased". Moreover, the amount of withdrawals invited by banks will generally be higher.
Step 2 take the initiative to apply
Usually, there are two ways to increase the credit card limit. In addition to the automatic promotion of banks, cardholders can also learn to take the initiative. The person in charge of the bank card department of the Postal Savings Bank said that many cardholders only met the conditions of a lower quota when handling cards, but with the increase of income and assets, they can get a higher quota, and I didn't know it, thinking that the quota could not be changed.
In fact, cardholders can take the initiative. After the normal use of credit cards for half a year, cardholders can take the initiative to submit a written application or adjust the credit limit through the service phone. Under normal circumstances, the bank will increase the credit limit of customers to a certain extent after reviewing the cardholder's consumption records and credit records.
3. Keep a good credit record.
As the saying goes, "it's easy to borrow, but it's hard to borrow again." The staff of China Construction Bank told the Evening News reporter that customers should make full repayment when using credit cards, and the minimum repayment amount will affect the bank's financial evaluation of you. Not to mention the overdue payment. If you have a record of overdue repayment, the bank will generally not take the initiative to raise the amount for you.
It is necessary to know that the cardholder's credit record, as a "business card" of personal credit situation, records the cardholder's detailed card use information. Once there is a credit stain, it will have a great impact on future mortgage, car loan, and even study and employment.
4. Consider temporary quotas in case of emergency.
The so-called fear of 10 thousand is just in case. For anyone who has no emergencies, it is particularly important to have emergencies. According to the staff of China Construction Bank, it is very convenient to handle the temporary quota. Usually, customers can call manual customer service to solve the problem.
The increase of the temporary limit can take effect immediately after the application, unless the cardholder with a large withdrawal amount or a general credit situation in the past needs to be reviewed by the background department, but he will usually get a reply within 2 to 3 working days.
The staff of Guangfa Bank believe that the advantage of applying for a temporary credit line is not only that you can accumulate points for credit cards when using them (provided that the points can be accumulated), but also that the application procedure is simpler and quicker than upgrading a fixed credit line. The temporary limit is time-limited. Please pay attention to paying off relevant debts before the temporary limit is cancelled to avoid excess.
5. The more sufficient proof of assets, the better.
The staff of the bank believe that customers can directly call the customer service hotline to apply, or they can provide more financial proof to the issuing bank outlets for the bank to accept the transfer. But remember to fully prepare all kinds of asset certificates. Because when you don't have any consumer credit records, how much credit the bank decides to give you depends on the results of evaluating your assets.
If you want to greatly increase the credit limit when applying, you should still carefully prepare all kinds of credit certificates. You need to submit proof of income, proof of house property right, proof of mortgage purchase, proof of automobile property right and proof of bank deposit to the bank. Don't bother, because the more sufficient materials mean that you can successfully apply for a high credit limit.
China Economic Net-The more proof of assets, the better.