At present, the Worry-Free Platinum Credit Card of Agricultural Bank of China is mainly handled by invitation, and individuals can also apply for it themselves. The main application conditions are: the annual income is more than 500,000 yuan, the annual credit card is more than 654.38+10,000 yuan, or the ABC credit card is swiped more than 20 times, the ABC vip customer and the ABC executive. You can consult the relevant staff of ABC or call the ABC credit card hotline for manual service.
How to increase the credit card limit?
1. properly participate in bank recommendation business.
When the bank invites you to participate in activities such as bill installment and cash installment, if the handling fee is not very high, it is recommended to handle it. After all, if you want the bank to increase the quota, you have to give the bank some sweetness. Many cardholders apply for bill installment after a single large consumption, and immediately apply to the bank to increase the amount, which is easy to be approved.
Second, apply for a temporary quota.
This behavior is actually sending a signal to the bank: I have consumer demand, but the current quota is not enough. For some banks, increasing the temporary quota is a curve way to save the country. For example, the temporary quota of Bank of Communications is generally 2-3 months, and it can be extended several times before it expires. If you check the quota again, it may increase a lot.
Third, repay the loan on time.
Repay on time! Repay on time! Repay on time! Say the important things three times. Never overdue! More credit card spending is only part of the amount raised. What's more important is whether you can repay in time and prove your repayment ability to the bank. It should be noted that the temporary quota must be paid in one lump sum, and there is no minimum repayment amount or installment. For a fixed amount, when it is impossible to repay in one lump sum, you can use the method of bill installment or minimum repayment amount to make a small profit for the bank and also help to increase the credit card limit.
Fourth, consumption abroad.
Now banks prefer consumption abroad. On the one hand, it shows that you have enough spending power; On the other hand, the handling fee rate is relatively high. If you don't mention it when it's time to raise the amount, you can take your family out to travel and spend one or two dollars abroad, and the amount will come up immediately. Of course, credit card withdrawal does not need to go out alone, and Haitao is also possible.
5. Freeze withdrawals.
First of all, let me remind you that this is a trivial operation. Please use it carefully. This operation is to put this card away after brushing the number of pens free of annual fee, and then take it out after half a year, and you will often find that it has been raised! Another operation is to call the customer service and say that you want to cancel the card. In order to retain customers, banks may quietly increase your quota. Of course, this operation is only effective for individual banks. Like CITIC and Bank of Communications, you can try it.