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 credit limit. Therefore, frequent online payments with credit cards will not increase the credit limit.

Tips for increasing the limit:

1. Cardholders can use credit cards to pay as much as possible in daily consumption, especially to increase expenditures on large purchases.

2. After several months of continuous consumption, you can actively apply to the bank. The card department will decide whether the limit needs to be increased based on the cardholder's consumption record. After the credit limit is increased and used for a period of time, about three months later, you can apply to the bank again to gradually increase the credit limit.

3. Provide proof of asset income

Proactively provide proof of asset income to the bank, and the more detailed the proof materials provided, the higher the income, and the higher the credit limit that may be approved by the bank. high.

4. Repay the loan in full and on time

Try to repay the loan in full and on time every month. Repayment status is an important item in your credit card record.

5. Temporary increase in credit limit

If you have a need for large consumption, you can temporarily request a temporary limit increase from the bank. The general period is one month, and some banks will take the initiative to increase the credit card limit during holidays. After a cardholder requests a limit increase, the bank will determine the final limit increase scope by reviewing the cardholder's consumption needs and past card usage records.