The "available limit" refers to the current limit that can be actually consumed by the bank, and the "credit limit" refers to the rated overdraft limit of the credit card, which may not actually be reached. For example, if Xiao Ming applies for a credit card with a limit of 30,000 yuan, the available limit for cash withdrawals is 15,000 yuan, and the limit that can be used for consumption is 30,000 yuan, which is the credit limit.

Credit card limit, also known as credit card available limit, refers to the maximum amount that can be used by your credit card. It includes credit limit (that is, the maximum overdraft limit of a credit card) and the amount deposited into the credit card. .

The limit of any credit card depends on the effective income and asset security value provided by the individual during the application process. The credit limit of a credit card is positively correlated with the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit obtained. Therefore, applicants must provide proof of income, provident fund social security, and asset guarantee statements. Asset guarantees include fixed assets such as real estate and cars, as well as current assets such as savings and bonds.

Improving loan limit skills

1. Continuous and frequent credit card consumption

Persistence means that after having a credit card, you must insist on long-term credit card consumption, preferably continuously For more than three months, the credit card consumption limit will be generated every month. Do not use it for a period of time and then freeze it for a long period of time.

Frequency means to swipe your card wherever you can, no matter how big or small the amount is. The more times and merchants you use, the better. If you swipe your card all at once, it will be easy for the bank to think you have a credit card. It is difficult to raise the amount due to suspicion of cash withdrawal.

2. Pay attention to the amount of credit card swiping and the temporary limit increase

Pay attention to the amount of credit card swipe and make full use of the temporary limit increase.

3. Persist in applying and seize the opportunity to apply

Persist in applying and seize the opportunity to apply, a two-pronged approach. For credit card users, you can insist on using the phone to apply to increase the credit card limit, because different customer service or staff have slightly different attitudes and principles when processing applications in this area. Maybe they failed the previous one but passed the next time, and Keeping a record of your phone application will also help you apply for a quota increase in the future.

4. Use the threat of card cancellation or sleep suspension

Use the threat of card cancellation or sleep suspension. After you have made multiple applications and been rejected, you can consider using this trick. Just tell the bank's customer service or staff directly. If the credit card limit cannot meet the actual needs, they will consider canceling the card. It is best to show some In fact, of course, the attitude should not be too bad. It is best to be soft but hard, so that it is easier to gain room for negotiation and maneuvering.