1. Repayment in full and on time: Repayment in full and on time can reflect the repayment ability of credit card (debit card) holders, so cardholders should repay in full and on time. If the cardholder spends too much in the current period and the bill cannot be returned in full, he can repay it in installments to ease the economic pressure.

2. Provide comprehensive information when handling the card: real estate license, driving license, etc. It will help those who apply for a credit card (debit card) for the first time, especially the real estate license, because owning a house means that the cardholder has certain financial ability. In addition, it is also helpful for cardholders to increase the credit card (debit card) quota when they get married and have children.

3. Frequent credit card swiping: If the cardholder can swipe the credit card (credit card) every month and the consumption limit reaches more than 60% of the credit limit, it will be easier to increase the credit limit.