Hello, in addition to waiting for the bank to issue an invitation to increase the credit limit, Da Yue Finance has also compiled some tips and tricks that can allow cardholders to change from passive to active to increase the credit limit.

Method 1: Frequently swipe your card to maintain a high consumption limit

Industry insiders said that developing the habit of swiping your card to pay in daily consumption life will help increase your credit card limit. For example, when shopping, eating out, watching movies, supermarket shopping, etc., you need to use your credit card frequently, regardless of the amount, with an average of more than 10 transactions per month. If you reach more than 20 transactions, it is easier to increase the credit limit.

In addition to the number of transactions, you should also pay attention to the total consumption amount. If it can be repaid, keep monthly bill consumption above 30% of the total limit, preferably 80% of the total limit, so that the bank will have a greater chance of issuing an invitation to increase the limit.

Method 2: Diversify the types of consumer merchants

Not all merchants can generate income for banks, so the corresponding banks usually require cardholders to swipe their cards at such merchants. Credit card points will not be accumulated, and such card transactions will not be significantly helpful in applying for a limit increase. It is recommended that cardholders make more transactions with their cards at merchants with points.

In addition, different types of merchants should be swiped as much as possible. For example, after a few catering transactions, you can swipe at shopping malls and supermarkets to maintain transaction diversity. If you swipe multiple transactions at the same merchant in a short period of time, The transaction will be considered as suspected of cashing out by the banking system.

Method 3: Occasionally let the bank "make a profit"

The cardholder asks the bank to increase the credit limit. In addition to checking whether the cardholder's credit status has always been good, the bank also It will look at whether the cardholder can bring profits to the bank. If the cardholder repays the card in full each time, the bank will make no profit.

Therefore, after overdraft consumption, even if you are able to repay in full, you may wish to choose one or two bills with lower amounts to pay the "minimum repayment amount" or choose the installment repayment business to save money. Low interest rates gain the trust of banks.

Method 4: Apply for an increase in the temporary quota

Temporary transfer is only a supplementary method, which takes effect quickly and expires quickly, so pay attention to timeliness. In addition, the temporary limit is not included in the minimum repayment amount. On the repayment date, if you are under repayment pressure and cannot repay in full at once, the bank will often regard it as overdue repayment and leave a bad record.

Method 5: Apply for a credit card from a different bank

It is better to directly apply for a new credit card from another bank to increase the limit in disguised form. For most people, raising their quota is not simple. In fact, the problem can be solved from another angle. For example, if the limit given by Bank A is 10,000 yuan, instead of trying to increase the limit for consumption, it is better to apply for a new credit card directly from Bank B. When two cards are added together, the total amount is also increased.

Method 6: Let the bank see your "financial resources"

While applying for a credit card, you can apply for the bank's debit card and save some money, or buy some financial products The product makes the bank think that you are capable and can afford a higher overdraft limit. Of course, you can also add more detailed personal information and provide more asset certificates. This method is quite effective for cardholders whose credit limit and spending power seriously mismatch.

Method 7: Apply repeatedly, don’t be afraid

Continuously apply for limit increases through different channels, such as bank branches, telephone customer service, online banking, WeChat banking, etc. Sometimes different channels and different customer service may give different answers.

Method 8: Use dormancy suspension or card cancellation threat

Intentionally deactivate the credit card for a period of time. In order to manage each customer well, the bank is willing to give a small reward. However, suspending the card for too long may cause the system to assess the economic contribution value as zero, or even directly reduce the credit limit.

After applying for a credit limit to the bank, if it is rejected by the bank, it directly indicates that if the credit card limit cannot meet the actual needs, the card will be considered to be canceled. It is best to present some facts and have a soft attitude. Be firm so that you can easily gain room for negotiation and maneuvering. This method can work sometimes, but it is not encouraged and should be used with caution.