If the credit card (debit card) is overdue, resulting in bad credit, it will have an impact on increasing the limit, but this does not mean that it is impossible, but the process will be more difficult, and the most important thing is The important point is that if your overdue card is not seriously overdue, you have paid back the money after the overdue date, and you have continued to use the card for more than 6 months and maintained good card usage behavior, you can increase the limit through the following methods:

1. Frequent credit card (credit card) consumption and repay on time: Although the increase or decrease of credit card (credit card) limit is not directly related to the number of credit card (credit card) swiping, but swiping your credit card more often ( Credit card) is always beneficial. If you want to increase the limit, it is recommended to make more than 15 to 20 credit card payments per month. Merchants must use credit cards (debit cards) in multiple scenarios and issue cards as much as possible. Existing cooperative activity merchants.

2. Make installments: In addition to the credit card (credit card) earning rate, you can also make installments, so that banks can earn more profits. This installment can be a bill installment or a cash installment. It is specifically recommended that you make it based on your actual situation. Someone has proven that if China Merchants Bank credit card (debit card) is frequently used for installment, the bank will automatically increase the limit.