How to quickly increase the fixed limit

If you want to increase your credit card credit limit, you must first understand the bank's credit assessment basis. Most banks statistically analyze the card usage records (consumption and repayment records) of credit card holders every three months, evaluate the cardholder's credit based on the card usage, and then decide whether to increase the credit limit of the credit card they hold.

The place where many people use their credit cards the most is online shopping and online payment, such as shopping on Taobao and other websites, and recharging and paying bills in various online business halls. I use a large credit limit every billing period, but my credit card limit just can’t be increased. In fact, there are no points for using cards for online shopping and online payments, which means they are not used as a basis for increasing the limit. Therefore, the limit cannot be increased through using cards for online shopping and online payments.

There is an exception to online consumption and online payment, and that is the special merchants. As long as you make online shopping or online banking payment at these special merchants, it will be counted as credit card points and can also be used to evaluate the credit card holder. a basis. Usually, most of the consumption is done offline, and the banking system often assesses personal credit based on offline card swiping.

Within a credit assessment cycle, a large number of credit cards are swiped every month. At least the amount of cyclic credit card swipes must be equal to the current limit of the credit card. If there is still a long way to go before the full credit limit is reached, you can withdraw cash. Credit card withdrawals are rewarded with points. It should be noted that you must pay back the full amount as soon as possible after withdrawing the money. In this way, the amount of card usage in the credit assessment can be reached to increase the limit.

In each billing cycle, you must make full repayment before the last payment date, and do not use the minimum repayment. For withdrawals made, it is best to repay them in full the next day. In this way, you can meet the good repayment record requirements in the credit assessment for the limit increase.

In addition to the above card usage methods, you must also be careful not to use the card illegally. When you have maintained a good card usage record for more than three consecutive months, the SMS system will proactively send you a text message to remind you that your credit card credit limit is about to be increased. You can accept the increase or reject it. Just reply to China Merchants Bank according to the text message content. If you do not receive the text message, you can apply through credit card online banking or through the credit card hotline.