The shadow quota system can be understood as your adjustable quota, and it is also the way most people adjust their quota. In addition, there are whitelist quotas, special quotas, etc.
It is understood that in order to cope with the regulations of regulatory authorities, many banks implement "shadow" quota management, that is, part of the quota is used normally, and the full quota can be restored only by increasing the card consumption amount.
Since 2010, ICBC’s ordinary credit cards have been divided into two categories, one is the popular card and the other is the standard card, with a limit of 2,000 yuan higher. If the customer's credit limit is only 1,000 yuan when applying for the card, and after 3 months the consumption is satisfied, the credit card limit is adjusted to 2,000 yuan, and the customer applies again recently, but the customer service staff asks him to go to the credit card issuance center to make adjustments. The limit of the popular card is automatically adjusted. If the cumulative consumption reaches 500 yuan within three months from the date of opening the card, the limit can be automatically adjusted. However, it will no longer be automatically adjusted after the total limit is adjusted to 2,000 yuan. The cardholder needs to bring all the You can go to the bank to apply for it if you need to provide information that can prove your financial resources, but the amount increase will not be too high. However, if it is required to upgrade the popular card to a standard card, the customer needs to bring all relevant documents to change the card, such as income certificate, real estate certificate, driving license, driver's license and other relevant documents.
In addition, ICBC implements a star rating system for individual customers and conducts star ratings based on the customer's contribution to ICBC. For example, if the customer's accumulated card consumption amount in six months exceeds 12,500 yuan, it meets the four-star customer standard; the average daily short-term asset balance in half a year exceeds 150,000 yuan, or the balance of medium and long-term assets (other financial assets except short-term assets) exceeds 200,000 yuan Meets the five-star customer standard; the average daily personal housing loan of more than 1 million yuan in half a year meets the six-star customer standard; the cumulative amount of deposits and withdrawals, long-distance remittances, or cumulative transactions in investment and financial products within half a year exceeds 4 million yuan, and meets the seven-star standard level customer standards.
In early 2011, the China Banking Regulatory Commission began to implement the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks", requiring banks to include unused credit card credit lines into risk assets with a factor of 50. The starting point of the new regulatory rules is to prevent and control the risks caused by commercial banks issuing a large number of credit cards too quickly. Nowadays, banks' credit card development has ended the days of large-scale issuance of credit cards for staking claims. It is no longer a competition in terms of quantity, but has begun intensive cultivation. This has become a common trend. After the introduction of the new regulations, it will still have a certain destructive effect on various banks, especially some small and medium-sized commercial banks. Some banks use the "shadow" limit method to reduce cardholders and increase credit card activity. There is no other way. .