How to increase the credit card limit
How to increase the credit card limit faster:
1. Spend as much as possible: After the credit card is completed, spend as much as possible. The more frequently it is used, the higher the loyalty of credit card users to the bank. But the frequency should not be too high.
2. Use up the credit card limit as much as possible: it is best to use up the credit card limit given by the bank every month, spend a lot of money irregularly, and then repay it normally. This part of cardholders is usually defined as high-quality customers, and the bank will increase the credit card limit as appropriate after judging whether the cardholder has a large amount of demand.
3. Never pay late fees: once you fail to repay in time, you will not only pay a high late fee, but also be recorded in the bank's credit system and registered in the personal credit information system of the central bank, which will not only affect your credit card application, increase the quota and consumption, but also affect your loan application.
4. Appropriate use of temporary credit line: Generally, the credit card will prompt the temporary credit line 1-3 months after the credit card is opened. If you spend the temporary credit line and repay it in time, the bank will think that you really have a high consumption desire and repayment ability, so it will be easy to increase the permanent credit line.
5. Withdrawal by the US dollar method: If it is a dual-currency card, first deposit 1 US dollars for yourself, and then call customer service to apply for withdrawal. The reason is to go abroad and apply for increasing the US dollar limit. At the same time, the RMB quota is also applied for increase accordingly.
USD can be directly deposited into ICBC online banking, clicked on credit card, and the currency is USD. You can choose to purchase foreign exchange for repayment, and input USD 1, then you can return the money from the savings card to the dual-currency card and turn it into USD. The more USD you deposit, the greater the probability of success.
6. Withdrawal for online precious metal trading: Go to the bank's online banking, open an account in the wealth management and investment column, invest money, trade in it, pay a little handling fee, and apply by phone several times for trading, saying that I want to operate precious metals, and the funds are not enough, so I will withdraw some quota.
7. provide proof of financial resources: provide real estate, car production, etc. Don't be stingy with all kinds of assets, and show them to the bank. Let the bank see your strength, indicating that you have certain spending power and repayment ability!
how do I apply to increase the credit card limit?
generally speaking, it takes more than half a year to increase the credit card limit, and the existing limit is basically used up every month and repaid in full every time. In this case, some banks will automatically increase the limit, and state-owned banks such as ICBC need to call themselves to apply for increasing the limit.
The following methods can increase the credit card limit:
Always use the credit card for spending, and the credit card must be swiped frequently and spend more, and the bank will increase the limit according to your consumption situation.
high consumption, try to use up the credit card limit every month, and the bank will upgrade according to the actual situation that your limit is not enough. If your card limit is 1 thousand, you will spend 3 every month, and the bank doesn't think it is necessary to raise the limit.
to apply for a temporary quota, if the quota needs to be increased due to festivals, travel, business trips and other short-term needs, you can apply for a temporary quota, which will be easier for approval.
if you can't apply by phone once, you can call again, and you can apply by phone continuously. Sometimes different customer service applications will be handled differently.
if the customer service refuses to accept the credit line increase, tell the customer service. If the credit line cannot be increased, it is useless to keep it. If the credit line is not increased, the card will be cancelled. Sometimes it will work.
the time of withdrawal is also very important. it is most effective to apply on the billing date or when the card has just been maxed out. In particular, major expenditures have just occurred, such as renovating houses and buying cars. When the bank sees that your recent consumption is really in need, it will consider adjusting it.
How to increase the credit card
Customers can adjust the credit card limit through the following channels:
1. Mobile banking customers can log in to mobile banking and go through the menu of "Credit card-card service-limit adjustment";
2. Pay attention to the official WeChat of China Construction Bank, and handle it through the menu of "Credit Card-Bill/Repayment/Limit Management" after binding the credit card.
note: the above channels all support temporary quota adjustment and permanent quota adjustment.
(in case of business changes, please take the actual situation as the standard. )
how can I increase the credit card?
1. Reduce debt: Credit card withdrawal depends on the ability of the cardholder to repay, and the debt ratio is also one of the factors that affect the repayment ability. Once the personal debt ratio exceeds 5%, the bank will think that the cardholder is very risky, and it is basically impossible to withdraw more than 7%. It can be calculated according to the formula personal debt ratio = total liabilities/total income 1%.
2. consumption abroad: consumption abroad Bank will earn more handling fees, which will make it easier for the bank to recognize the spending power of cardholders. However, consumption abroad usually needs to report to the bank, and the bank may raise the amount immediately after reporting, or during the process of swiping the card, for example, it may raise the amount after swiping the card.
3. Move bricks to increase capital: If possible, you can directly deposit more than 5, yuan in the card-issuing bank, or buy some funds, wealth management products and insurance that the bank sells on a commission basis, so as to prove your financial ability to the bank. With these assets as protection, the bank will definitely feel more at ease to withdraw the credit card.
4. installment of bills: the handling fee contributed by installment of bills is one of the sources of bank profits. It is not to say that the more installments, the better, but to master a degree, which can be divided into 1-2 times every six months, and the amount is more than 5, yuan, and it is best to handle it in six installments after receiving the invitation from the bank, which has a higher success rate than manually withdrawing the amount by installment.
5. Curve withdrawal: If you still can't withdraw the amount through the above methods, try curve withdrawal, that is, apply for another credit card at a bank with a credit card. Usually, if you can approve the card, the amount of the card will often be higher than that of the existing credit card.
Borrowers who apply for loans too often or conduct loan operations too often will increase personal credit risk. You can check the personal credit risk index at Xiaoqixin. The higher the risk score, the easier it is for the application to be rejected.
Extended information:
What are the credit card withdrawal methods?
Generally, there are the following ways to withdraw the amount:
1. Spend more money by swiping the card. Whether it's online consumption or entity consumption bank loan-interest rate network, credit card is the preferred payment method within the affordable range, and it will go up if you swipe it more naturally, and the ordinary credit card can be swiped enough times without annual fee
2. Apply for installment payment. Nowadays, most credit cards support installment payment, so it is important to pay back on time, otherwise it will cause overdue fees and affect personal credit;
3. In order to greatly increase the credit limit at the time of application, cardholders need to prepare various credit certificates. Such as proof of income, proof of house property right, proof of mortgage purchase, proof of automobile property right, proof of bank deposit, etc. Don't bother, after all, the more abundant the materials, the more likely it is to successfully apply for a high credit line.
4. Apply for more temporary quota. General banks will regularly send messages saying that there is a temporary quota to apply for, and after upgrading the temporary quota, they should make appropriate consumption to lay the foundation for applying for the quota later.
let's stop here for the introduction of how to apply for credit card withdrawal.