Many cardholders have used their cards for a long time, but the bank has never given them a quota. In fact, a big reason lies in the cardholder's credit card skills. After all, credit cards are not swiped casually, and banks mainly consider the daily card use behavior of cardholders. If you really can't increase the limit, here Xi Cai Jun introduces a "credit card 2583 principle" to you. Many card friends have practiced this skill for 3~6 months, and the success rate of raising the amount is 90%.

In fact, the principle of swiping the card 2583 is mainly to limit the amount of swiping the card according to a single transaction, a single day, a single month, a single sheet, etc. , as follows:

1, "2" of "Credit Card 2583 Principle", that is, the single consumption amount is ≤ 20% of the fixed amount.

There are often card friends who like to brush a large sum of money, and a single consumption consumes more than 50% of the total. Pay attention to this. Banks certainly like customers with strong spending power, but it is unrealistic to brush a large sum once or twice occasionally. It is best to use it in small amount, and the single consumption amount does not exceed 20% of the fixed amount to meet the daily consumption situation.

2. The "5" of the "Credit Card 2583 Principle" means that the daily consumption amount is ≤ 50% of the fixed amount.

This means that credit cards can't be too concentrated, all transactions can't be swiped in one day, and the single-day consumption amount can't exceed 50% of the fixed amount. If there are indeed many large purchases, you can swipe your card for several days in a row to avoid being controlled by bank risks.

3. The "8" in the "Credit Card 2583 Principle" means that the monthly consumption amount is ≤ 80% of the fixed amount.

Many card friends often like to swipe their cards, especially after repayment, which is a bit dangerous. By the same token, it is easy for the bank to think that you are cashing out, not only is there no hope of withdrawing money, but you are doing it every month, and sooner or later you will be downgraded by the bank.

4. The "3" of the "Credit Card 2583 Principle" means that the monthly consumption amount is ≥ 30% of the fixed amount.

You can't swipe too many credit cards, and you can't swipe too few. Because the amount of credit card swiping is too small, or the credit card is not swiped for a long time, the contribution to the bank is small. If the bank can't make a profit, it will think that giving you too high a limit is a waste of resources, and it may even reduce your limit, so you should continue to swipe your card every month and keep the credit card limit above 30%.

Summary: While swiping your card according to the "Credit Card 2583 Principle" every month, you should also diversify your consumption and swipe your card during normal business hours. Generally speaking, it lasts for 3 to 6 months, and the quantity is basically no problem.