Tips for increasing credit card (credit card) limit

1. Each credit card (credit card) swipe should not exceed 30% of the total limit.

2. Don’t empty the entire card, but leave 10%-20%.

3. Don’t always use round numbers.

4. Try to swipe your credit card (debit card) between 9 am and 9 pm every day.

5. Swipe in the morning and in the afternoon, no more than 3 times a day, and the distance between swiping credit cards (debit cards) should be more than 4 hours.

6. It is best to swipe your credit card (debit card) more than 15 times a month.

7. Every three months should be regarded as a small installment.

8. Use credit cards (debit cards) in a variety of ways

If you follow this guideline, your limit will definitely be increased within June!

The above system is suitable for all banks. Below are the specific details of the credit limit increase for the 14 banks.

Industrial and Commercial Bank of China

If you want a large-value card for New Year’s Eve And customers with certain assets!

Customers interested in industrial and commercial affairs:

1. ICBC prefers customers with assets, customers who like to use credit cards (debit cards) overseas, customers who like to buy financial management metal business and funds, and It is done many times in a short period of time and is often used for star-boosting skills.

2. Business people like to use credit cards (credit cards) in large amounts, including multiple credit cards (credit cards). It’s OK to increase the credit limit of your credit card until there is only a few yuan left.

Things to note:

1. When using a credit card (credit card) in foreign currency, bind your ICBC bank card and credit card (credit card) together. Then use the money in the bank card to exchange for one thousand foreign currencies, such as US dollars, euros, etc., and buy several types. Then, call the bank credit card (debit card) customer service and tell them that you want to go abroad for consumption and the limit is too small and not enough. Please ask for an increase in the limit. The most important thing is to say that I just exchanged some foreign currency in the bank card. Good for foreshadowing.

2. ICBC also adopts high-risk control measures for customers without deposits and customers with irregularly used cards.

Agricultural Bank of China

Favored types of credit cards (credit cards):

1. Agricultural Bank of China likes to use large amounts of credit cards (loans) Credit card), such as buying home appliances and decoration. Of course, before using this, try to call customer service to analyze the situation. Agricultural Bank of China does not look at debts. You can max out as much as you want. There is no limit on credit cards (debit cards). frequency.

2. The Agricultural Bank of China has increased the credit limit without a cap. Do you think it is not worth having? Moreover, as long as you use the Agricultural Bank of China's credit card (debit card), if you request an increase in the credit limit every once in a while, you will be given more or less credit, basically once in the first half of the year.

3. If you have a turnover in the Agricultural Bank of China, of course you can also pay in installments with a credit card (debit card). As long as the bank makes money, it will naturally increase your limit.

Things to look out for:

1. Remember that Agricultural Bank of China credit cards (debit cards) do not allow cash withdrawals.

2. It is basically difficult to increase the limit after withdrawing cash from the Agricultural Bank of China.

3. The temporary quota of Agricultural Bank of China occupies a fixed quota, which means that using a temporary quota once takes up the time for the fixed quota to increase. It is best not to use the temporary quota.

4. Don’t call customers frequently to ask for an increase in the credit limit, otherwise your credit report will show post-loan processing.

Bank of China

Preferred types of banknotes for customers

1. Bank of China prefers deposits, so if you want to increase the limit, you can apply for a debit from Bank of China Card, deposit money on schedule.

2. Spend as much money as possible on your credit card (debit card), and the total amount spent within six months should be at least 30% of the amount.

3. The number of bankruptcies should be as high as possible, with an average of more than 10 transactions per month. If there are more than 20 transactions, it is easier to increase the limit.

4. There are many types of money-spending businesses, such as shopping malls, supermarkets, gas stations, restaurants, hotels, tourism, entertainment venues, etc.

5. For wholesale, house and car purchases, etc., the less you spend, the easier it is to increase the limit.

6. The less online shopping, Alipay transactions and cash withdrawals, the easier it is to approve the application for increasing the limit.

Notes:

1. Bank of China can provide a temporary limit increase as long as there is a repayment record. You can then continue to increase the temporary quota for the second time.

2. The first permanent quota increase by Bank of China will be 6 months later, and the next permanent quota increase will be 3 months later.

Bank of Communications

Advantages of Bank of Communications:

1. Cards can be approved at will, online application is quick, usually there are credit cards (debit cards) or assets The card can be approved in seconds, and Bank of Communications will also provide high-quality loans with higher credit limits.

2. Shopping a lot, swiping every week, every day, and giving gifts for referrals. Generally speaking, a 20,000-yuan Bank of Communications card is valuable to operate. For cards with more than 2,000,000 yuan, you can directly apply for a platinum card. The starting limit is 5,000,000 yuan. , cards with a limit of less than 20,000 can operate Xiangdai and Fixed.

Bank of Communications is the best at dealing with people with three nos. It can be done without education, assets, social security, provident fund, etc. There is one principle: transportation attaches great importance to fixed work units. Many people are not optimistic about Bank of Communications, because Bank of Communications is not easy to maintain, basically does not increase the limit, and blocks cards at will. It is possible for a card worth tens of thousands to be directly reduced to 2k or directly blocked.

What kind of money-spending system does Bank of Communications like:

1. Be sure not to spend all the money as soon as you open the card. Leave 30% of the money on the new card, and the new card Do not make installments in the first 3 months of the card.

2. Regularly participate in weekly cash withdrawal activities, save money the day before the bill date, and wait for the cash to be spent the next day, but do not spend all the money immediately.

3. It is best to have a Bank of Communications debit card, use mobile online banking, bind a credit card (debit card), and usually use the debit card to make purchases.

4. The maximum amount of money spent in a single transaction is more than 10,000. Traffic is not very sensitive to the number of transactions, but you must be prepared for what kind of merchants you use, and use as many high-quality industries as possible. If you have the conditions, go to the cooperative merchants of Bank of Communications (such as the most popular Friday supermarket) to spend money, cooperate with supermarkets, cooperate with gas stations, cooperate with catering merchants, and make a few transactions every month, the results will be the best.

5. If you lose money in foreign currency, you must remember to pay attention to your savings card.

Notes:

1. It is best not to raise the temporary limit. If you raise it, you will not be able to get a good loan or apply for a platinum card.

2. In the first two months of the new transportation card, remember not to use risk-controlled merchants and make a single purchase of no more than 1W.

Customers that Bank of Communications does not like:

1. Merchants who often charge zero rates

2. Customers who do not like regular installments are best not to pay consecutive installments. To do this, the best installment period is 3-6 months.

3. There is no sign of the blocking and unfreezing of Bank of Communications cards. Nowadays, there will be a large number of card blocking and credit reductions for unknown reasons. The range is wider than before. Holders of Bank of Communications credit cards (credit cards) Cardholders who have been using the card for many years and those who have used the card regularly may be in the scope of accidental damage.

China Merchants Bank

Favorite types of banknotes:

1. China Merchants Bank is not sensitive to the number of times a credit card (debit card) is swiped, nor is it actually sensitive to large amounts. To break the money, just swipe the credit card (credit card) as much as possible to break the money.

2. China Merchants Bank takes the initiative to increase the limit on a regular basis. It is best to use overseas banknotes to increase the U.S. dollar limit. In fact, when your U.S. dollar limit is increased, it means that your RMB limit is also increased.

Notes:

1. Educational background is preferred. It is not easy to apply for a card with China Merchants Bank. It is easy for white households with academic qualifications to apply.

2. Those who have no academic qualifications should apply. It is better to open a savings card and swipe your turnover or save money before applying! Once the preparatory work is done, the automatic review of the online application will be too fast.

China CITIC Bank

China CITIC Bank credit card (debit card) is one of the most worthwhile banks to have

Favorite type of banknotes:

2. You can participate in banknote breaking activities launched by banks.

Notes:

1. China CITIC Bank has increased the limit, which means you can spend money on large purchases, and you can withdraw it in a short time.

Or go directly to a business outlet to apply for a card, consider yourself a new user, fill in the same information as the CITIC Bank credit card (debit card) you already hold, submit the form, and the card will be approved 100% of the time , 100% your new card limit will be doubled, which is the often mentioned curve increase limit. In addition: after using the card for 6 months and making 6 banknotes, pay the full amount after the bill is issued and let the card sit idle. The bank proactively called to increase the limit!

2. Only those who have held the CITIC Bank card for more than 9 months can increase the limit.

Shanghai Pudong Development Bank

The credit card (debit card) of Shanghai Pudong Development Bank has a good limit increase, and the deposit products of Shanghai Pudong Development Bank are also relatively powerful.

Favorite way to spend money:

1. If you have a Pudong Development Bank credit card (debit card), you can go to Pudong Development Mall to buy things and then repay in installments.

2. Pudong Development Bank likes to pay in installments, regardless of the amount, which can help increase the limit.

Notes:

1. Don’t waste money, use different types of merchants, and avoid frequently going to the same address to use credit cards (debit cards) for consumption.

2. Make 10-20 credit card payments every month, and remember to repay on time.

3. You can only apply for a quota increase after using it for more than half a year. When increasing the quota, you can apply for a permanent quota increase. You have to wait for more than half a year to increase the quota again.

Guangfa Credit Card (debit card)

Favorite types of banknotes:

1. The bill must be diversified, regardless of industry merchants. The number of pens should be large, normally 10-30 pens. Sometimes supermarkets, clothing stores, fast food, gas stations, quick and small denominations bound to Alipay, etc., try to get as much real money as possible.

2. During the first withdrawal period of the new card, you must show your ability to spend money.

3. Guangfa Bank’s limit increase is self-service. The method of Guangfa Bank’s limit increase should be the most entry-level method for playing credit card (debit card). It is very simple. It is about 80%-90% of the limit. , wait until the bill comes out, repay the loan in full, and then apply for a limit increase. Usually, as long as you use the card enough, you can apply for a limit increase once every three months.

Things to look forward to:

1. Do not continue to have high debt for many months.

2. Pay the banknotes twice a year in installments and the latter in bill installments. Don’t do too much. Repay everything else in full, so that the bank will feel that the funds are safe.

3. Do not use credit cards (debit cards) at the same merchant frequently.

Ping An Bank

Ping An Bank credit card (debit card) is one of the most worthwhile banks to have

Type of hobbies:

1. Open a Ping An savings card, increase your turnover, buy Ping An insurance, open an account at Lufax and invest a few dollars to manage your finances, etc.!

2. As long as you do your job well, the card approval is basically 100% safe. In terms of credit limit, Ping An Credit Card (debit card) is extremely powerful.

3. Ping An values ??value, and they like to use Ping An’s money for deposits and earning interest. As long as you use Ping An’s credit card (debit card) well, Ping An will automatically increase the limit for you. And the quotas are very good!

4. If you are a novice, you can first use Ping An to make a transaction and then fill in the information. You can also use Ping An to apply for a card.

Industrial Bank

Things to look forward to:

1. To apply for an express card through Industrial Bank, as long as you have at least one credit card (debit card) from another bank in your name and Used for more than 1 year. The same person can only apply once within 30 days. If the application is not approved, the application will continue after 30 days.

2. Usually the amount is between 3,000-20,000. When applying for a card on Xingye.com, it is recommended to choose: collective shopping cards, and third-party co-branded cards.

To summarize:

1. Ping An, Transportation, Everbright, and People’s Livelihood are the first choices for white households.

2. Each bank has its own characteristics and has its own characteristics. Interested customers also like customers to spend money abroad and arrange appropriate installments.

3. Remember the following points when using a credit card (debit card). This is the card that is most likely to be blocked or reduced.

The same POS machine is often used to withdraw money, credit cards (debit cards) to withdraw cash, and if the payment is overdue, it is overdue if there is a bad credit record.