These methods are the most effective for increasing your credit card limit!

The card limit is set by the bank based on its own credit scoring system and based on the card applicant's fixed residence, stable income, good historical credit record and other comprehensive factors. In fact, it is not difficult to increase the limit of your credit card, but you just don’t have the correct posture.

① The frequency of credit card swiping should be as high as possible, and the total consumption amount within half a year should be at least 30% of the limit. Whether it is consumption in physical stores or online transactions with Alipay and WeChat, it is best to bind the credit card. To consume.

The more you swipe, the more handling fees the bank earns from it. The more the bank earns, the more it will naturally increase your credit limit. If you rarely use your credit card for purchases in a month, or don't use it at all, it will be difficult to increase your credit limit.

② Diversify consumption and choose different merchants for consumption, such as large shopping malls, supermarkets, gas stations, restaurants, hotels, tourism, entertainment venues, etc. The more formal the places where credit card consumption becomes, the better. Banks prefer users to conduct credit card transactions in formal places such as shopping malls and supermarkets. The consumption rates in these places are high. Banks love not skipping codes. At the same time, you can also earn points. Come and collect wool, this is also a move encouraged by the bank.

③ If you encounter insufficient credit when traveling abroad, you can apply to the bank to increase the temporary limit. It is easy for banks to approve increasing the temporary limit. Banks encourage overseas consumption. When you swipe your card for consumption abroad, it will be a big deal when you return home. You will most likely see that the bank has already raised the limit for you.

④ It is best for credit card purchases to last for 3-6 months, and do not interrupt card purchases in the middle. This will make it easier for the bank's backend to easily read your consumption records.

⑤After applying for a credit card, if you have more qualification materials, such as real estate certificates and large car deposits, you can submit them to the bank. It is very easy to raise the amount with these financial proofs. matter.

⑥Occasionally make an installment payment to let the bank know that you are in urgent need of money recently, and the bank can also earn a lot of handling fees, which makes it easier to increase the amount.