How to apply for a temporary limit increase on Bank of Communications credit card? There are these conditions for raising the limit

Bank of Communications has always had a good reputation among the public, and many people apply for Bank of Communications credit cards. People are very concerned about the limit of their credit card, so increasing the credit limit is very popular. The quota can be divided into temporary quota and fixed quota. So, how to apply for a temporary limit increase on Bank of Communications credit card? What are the conditions for raising the amount?

How to apply for a temporary limit increase on Bank of Communications credit card?

1. WeChat application

You can follow the WeChat public account of Bank of Communications. After binding a credit card, you can apply for a temporary quota in the WeChat public account.

2. Customer service hotline application

You can call Bank of Communications’ customer service hotline at 95559 or 400-800-9888 to apply for a temporary quota withdrawal.

3. Online banking application

You can log in to the official website of Bank of Communications and then log in to personal online banking to apply for a temporary quota, but only customers who have opened personal online banking can use this method.

4. Mobile banking application

If you have the Bank of Communications mobile client on your phone, you can directly log in to the Bank of Communications mobile client to apply for a temporary limit increase.

What are the conditions for increasing the temporary limit of Bank of Communications credit card?

1. You can apply for your Bank of Communications credit card after you have continued to use it for six months;

2. Your credit must be good. Maintaining a good credit record is The basis for applying for a limit increase;

The above is a summary of the application methods and conditions for a temporary limit increase of the Bank of Communications credit card. The validity period of the temporary limit increase of the Bank of Communications will not exceed three months. If you are in urgent need of funds, you need to increase the limit. Friends can check whether they meet the conditions. Those who meet the conditions can apply for a quota increase according to the above method.

How to apply for a temporary credit card limit? There are mainly 4 ways!

The credit card limit is divided into two parts: temporary limit and fixed limit. As the name suggests, the fixed limit is the inherent limit of the credit card, while the temporary limit has a validity period. Generally, the credit card limits we talk about are fixed limits. Have you ever applied for a temporary credit card limit? Many friends don’t know how to apply for a temporary limit on a credit card. Today I will introduce 4 methods to you.

1. Customer service phone application

Credit card holders can directly call the customer service center number on the back of the credit card and apply for a temporary limit directly with customer service. If you meet the application qualifications for a temporary quota, the quota will generally be given to you directly.

2. Mobile banking application

Download the mobile banking APP directly on your mobile phone. After binding your credit card, you can apply for a temporary quota directly in the APP. If you meet the qualifications, you can get the quota immediately.

3. WeChat public account application

Follow the bank’s official WeChat public account, and also need to bind a credit card. Follow the prompts to apply for a temporary credit limit, which is usually available in the limit management. .

4. Application on the official website of the bank

The credit card business of each bank has an entrance on the official website, and you can apply directly on the official website. If you have any questions, you can also ask online customer service, which is convenient and simple.

The above is the way to apply for a temporary credit card limit. It should be noted that the temporary credit card limit needs to be paid off in one go. After the temporary limit expires, the limit will be restored! Friends in need can try these 4 methods!

How to apply for a temporary limit for Bank of Communications credit card

Directly call the Bank of Communications credit card customer service hotline 4008009888 and apply for a temporary limit through manual service.

Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Its user positioning is "a group of people who have ideals and pursuits in life and career, know how to enjoy, and are more willing to struggle. Sometimes there are also people who want to study, do business, research or travel abroad.

Bank of Communications Credit Card is also a group of people with high living standards who are willing to try new consumption habits. "Bank of Communications Pacific Credit Card is a credit card product created by Bank of Communications by introducing HSBC's advanced technology and management. It brings together both global and local advantages, with the theme of "Global Card for Chinese People", and advocates a new consumer culture and The card experience provides preferential benefits and considerate services all over the world.

In May 2005, just as Bank of Communications was preparing to enter the credit card business, it happened to encounter a turmoil in the domestic market: major domestic banks were in full swing. When entering this market field, competition is becoming increasingly fierce; among foreign banks, there are even pioneers targeting the Chinese market and joining forces with domestic banks to establish a model of jointly promoting credit cards with domestic and foreign banks.

Faced with the unfavorable competitive situation, Bank of Communications. How to reverse the passive situation and gain a leading position in the credit card market. Even before the establishment of the Pacific Credit Card Center in October 2004, Bank of Communications had been thinking about two issues: first, customer positioning; second, working with HSBC. Advantages of strategic alliance.

After a series of evaluation studies, Bank of Communications positioned the customers of this credit card as: "a group of people who have ideals and pursuits in life and career, know how to enjoy, and are more willing to strive. Sometimes there are also people who want to study, do business, research or travel abroad. They are also a group of people with high living standards who are willing to try new consumption habits. "Subsequently, Bank of Communications and HSBC jointly launched "China's Global Card" - "Bank of Communications Pacific Dual Currency Credit Card".

This card captured the HSBC's "local and global" dual advantages: Bank of Communications has a vast network of more than 2,600 branches in more than 130 cities in China; and HSBC, the world's second largest financial institution, has a dense banking network system spread around the world. Zhang's "Chinese Global Card" shines, bringing a unique card experience, and the cooperation between the two banks also sets a model for the development of international cooperation in China's banking industry.

小. A small credit card, but a perfect fusion of Chinese and Western culture in a small space. On the card surface of the gold card and ordinary card, the earth and the phoenix and koi, which symbolize nobility and auspiciousness in traditional Chinese culture, are respectively drawn, which is taken from the "Carp Jumping over the Dragon Gate". The meaning of "vigor, the majesty of the phoenix dancing in the nine heavens" fully integrates the characteristics of Chinese culture and HSBC's global services into a small card, giving a precise interpretation of the "Chinese Global Card".

Bank of Communications Credit Card is not afraid of hardships and innovation, and has been working tirelessly to provide better services and create a better life for cardholders, helping more Chinese people enjoy world-class benefits more easily.

On April 18, 2021, Bank of Communications Credit Card announced Wang Yibo as the brand’s global spokesperson through its official Weibo

How to apply for a temporary credit limit with Bank of Communications Credit Card

Credit limit adjustment. There are currently two ways to apply:

1. After holding the card for a period of time, you can apply for an increase in your credit limit through the voice line of our customer service hotline or log in to online banking or call the customer service hotline. We will apply for an increase in your credit limit based on your We will apply for you based on your past card usage.

2. When your financial level has improved to a certain extent, you can also provide us with relevant certificates such as real estate, car ownership, and China Merchants Bank savings that you have not provided before. Proof, etc., the relevant departments will re-examine based on your new information

As the name suggests, the temporary credit limit refers to the temporary credit limit that the bank gives to the credit card holder. Generally speaking, the temporary credit limit is increased.

The temporary limit needs to be paid off in one go after one month. Increasing the temporary credit limit allows cardholders to enjoy the convenience of credit card consumption during consumption peaks, but the temporary limit does not enjoy revolving credit. The amount exceeding the original credit limit will be included in the minimum payment amount of the current statement and needs to be paid off in one go before the due payment date.

When the temporary limit expires, if the cardholder has not returned the temporary amount. The used part of the quota will be charged an over-limit fee according to a certain proportion, usually 5% of the over-limit part. In addition, the temporary quota cannot be installmentd.

Extended information

Temporary quotas are limited in time, usually 1-2 months. For example, the temporary quota of ICBC credit card is valid for 60 days, China Merchants Bank credit card is valid for 30 days, and Guangfa Credit Card is valid for 30 days. It ranges from 20 to 50 days, and will be paid off in one lump sum upon maturity.

There are restrictions on repayment. You cannot repay according to the minimum repayment amount, nor can you pay it in installments. When it expires, you must pay off the temporary amount that exceeds the fixed amount. Therefore, the temporary limit can be used, but you must evaluate your repayment ability. It will be bad if it is overdue. The repayment date of the temporary limit starts from the borrowing date, which is different from the credit card statement date.

The impact of temporary quota: If you use it well and repay it when it is due, the temporary quota will help increase the fixed quota. On the other hand, the temporary limit may not be conducive to increasing the fixed limit, because each bank's fixed limit increase has a time interval.