2. Always swipe your card and spend it with fancy cards. As long as you can swipe your card, try to use CCB credit card and even help your friends pay the bill. Insist on using CCB credit card for more than three months, and have a beautiful bank running account, which will help to change the temporary quota into a fixed quota.
3. Try to ensure one-time repayment. One-time repayment has certain requirements for the cardholder's consumption ability, repayment ability and economic level. If the cardholder pays in one lump sum, the bank will see the strength of the cardholder.
4. Have good personal credit, and can't produce overdue repayment or bad behavior records. CCB attaches great importance to the personal credit of cardholders. If the cardholder's personal credit is good, it will be beneficial to change the temporary limit to a fixed limit.
5. If the monthly credit card limit approaches or exceeds the total credit card amount, the bank will feel that the temporary credit limit given to the cardholder can't keep up with the cardholder's consumption level, and the bank will consider changing the temporary credit limit to a fixed credit limit, provided that the cardholder can pay off the credit card account in one lump sum.
The timing of withdrawing money from the bank is very important. The cardholder can call the bank for withdrawal after the card is overdrawn or the card account is paid off, and say that the credit card limit given by the bank is not enough, and strive to convert the temporary limit into a fixed limit.
(1) Temporary withdrawal If you have a large consumption demand in a short time, you can call the credit card customer service hotline to make a temporary withdrawal demand. If you meet the conditions for temporary bank line adjustment, you can realize temporary line adjustment within 24 hours. The temporary credit line is valid for 30 days, and the credit line will be automatically restored to the original credit line after expiration.
(II) Improvement of Long-term Credit Line When you need to improve the credit line for a long time, you can call the credit card customer service hotline, and the bank will promptly handle the demand for permanent credit line adjustment according to the cardholder's credit card status and credit status:
1, frequently use credit cards to win by swiping the cards. In daily life, credit cards are used wherever you can swipe your card. Regular use will definitely help cardholders to increase their credit limit as soon as possible. 2. Ensure the amount of credit card spending every month. It is best to generate at least 30% of the total credit card consumption records every month. If it lasts for more than half a year, the banking system can easily recognize the cardholder's spending power and actively invite the cardholder to increase the credit limit of the credit card.
3. Ensure that the credit card can be repaid in full and on time. This is very important for credit card holders who want to raise the limit. If you can't repay in full and on time, there will be a bad record of credit card repayment, which will not only affect the cardholder's personal credit information, but also greatly extend the time for credit card to increase the credit limit.
4. Enrich the consumption types of credit cards. Different consumption types will reflect cardholders' different consumption concepts and spending power, and will also affect the progress of credit card promotion to some extent. Within the scope of our power, we will increase the opportunities for large-scale credit card spending to promote the credit card limit as soon as possible.