What should I do if my credit card limit is not enough? Credit card credit cards can be used to increase your credit limit

Nowadays, credit cards play a dominant role in people's daily lives. You can see people swiping credit cards wherever they can swipe them. However, you can't just swipe as much as you want with a credit card. It depends on the limit in the card. If the limit is not enough, you can't swipe the card again. So, what to do in this situation? Let’s find out together below.

1. What should I do if my credit card limit is not enough?

The credit card limit is not enough, which usually refers to the amount to be swiped and the credit card's available limit. This situation will cause the card swipe to fail, and there are many solutions.

For example, you can first pay off part of the credit card balance to restore the limit, or put money into the credit card, or find ways to increase the credit card limit. Among them, increasing the credit card limit is a method that treats both the symptoms and the root cause, and is the most practical.

2. How to increase the credit card limit if it is not enough?

If you want to increase your credit limit quickly, you can directly call the customer service number of the card issuing bank to apply for a limit increase. The result will be available within 1 to 3 days; you can also find a product with a price greater than the existing available limit and swipe the card, but the credit card swipe fails. Then wait for the bank's text message to increase the limit. If these two methods don't work, the only way is to increase the limit by slowly maintaining the card in the future.

In the process of maintaining a card, you must diversify your consumption, and swipe the card during normal business hours. The amount swiped must match the type of merchant, try not to swipe the code machine, and pay attention to the frequency of swiping the card. , and credit card limit, etc. The most important thing is, don’t forget to repay after swiping the card. If you persist in this way for 3 to 6 months, it will be effective.

If you find it troublesome to raise the credit card limit, you can submit various financial certificates to the bank if your credit conditions improve, such as copies of your own real estate certificates, original motor vehicle registration certificates and Copies, copies of bank fixed-term (demand) deposit certificates (folded), etc., the amount will be increased after the bank's approval.

Why is the credit card limit insufficient? These methods can be used to increase the limit normally

Many people apply for a credit card, only to find that the limit is not enough when they get the credit card, and the credit card amount is often The available limit of your credit card refers to the maximum amount that can be used by your credit card. Why is your credit card limit not enough? Xiaocai will tell you.

Netizen Xiao Ding just returned from a trip recently. He bought some soft goods during the trip. When he got home, he looked at his credit card statement and immediately applied for bill installment. But when Xiao Ding went shopping at the mall on the weekend, he encountered another problem: the limit was insufficient and the card could not be swiped! He had already applied for installments, so there was no need to repay the bill in one go. Why was the limit still not enough? Xiao Ding was confused.

●When handling normal installment business such as credit card bill installment and cash installment, the installment balance will occupy the credit card's fixed limit. After monthly repayment, the limit will be restored gradually.

If the credit limit is not enough to meet daily card use needs, you can log in to the "China Construction Bank" mobile banking, select "Credit Card" - "Limit Adjustment" in order, and try to apply for a temporary credit limit. The temporary quota is only for short-term use, normally not exceeding 50 days, and cannot be used for normal installments.

When handling special installments such as car purchase, decoration, installment payment, etc., the transaction will not directly occupy the fixed limit of the credit card, but the principal and handling fees recorded in the monthly installments as agreed will occupy the fixed limit.

●Withdrawing cash through bank ATMs or counters, transferring funds within the credit card amount to your bank settlement account or a payment account opened by a non-bank payment institution, handling cash installments, etc., are all classified as cash advances. For business, the outstanding cash advance balance shall not exceed 50% of the credit limit, and the daily overdraft cash withdrawal per card through the counter of domestic outlets shall not exceed 20,000 yuan, and the daily overdraft cash withdrawal per card through domestic ATM machines and other self-service channels shall not exceed 10,000 yuan; Overseas overdraft cash withdrawal per card per day shall not exceed the equivalent value of RMB 10,000, the cumulative monthly withdrawal amount per card shall not exceed the equivalent value of US$5,000, and the cumulative withdrawal amount per card within 6 months shall not exceed the equivalent value of US$10,000.

In addition, according to regulatory requirements, the total amount of overseas cash withdrawals from all domestically issued bank cards (including supplementary cards) under an individual’s name is not allowed to exceed the equivalent of 100,000 yuan in each calendar year. For example, overseas cash withdrawals in that year If the amount exceeds this amount, the right to withdraw cash overseas with domestic bank cards will be revoked this year and the following year.

So Xiaocai would like to remind everyone:

1. If an individual holds multiple CCB credit cards, the limits of these credit cards are exclusive. If the maximum limit of the card you hold is 50,000, then the multiple credit cards held under your name will immediately enjoy the 50,000 limit. Once the 50,000 limit card has used 40,000, the other card with no matter what the limit will be The card can only be used up to 10,000.

2. Make timely repayments, which allows the bank to see your integrity.

3. The more times the card is swiped, the better. The larger the amount swiped, the greater the credit limit may be: the fact that proves the holder’s ability to increase the credit limit is that the amount swiped is getting larger and larger. Normally, every time If the monthly bill expenditure is at least 30% of the total limit, it will be more convenient for such users to increase their limit.

4. Temporary credit limit increases during special periods may be approved: If you need to increase your credit limit in the short term due to the New Year, holidays, tourism, business trips, etc., you can apply directly to the cardholder bank for a temporary credit limit increase, because The credit card repayment cycle is short, the bank will process it in a timely manner based on the holder's good record, and the approval will be particularly simple.

What should I do if my credit card limit is not enough? Three tips to teach you how to solve it easily!

Double 11 is over, and the Double 12 war is about to begin. Friends who want to shop online, are you ready with your credit card? Can your credit card limit satisfy your consumption on Double 12? If your credit card limit is not enough, don’t worry, as long as you use three tricks to help you solve the problem of insufficient credit limit.

What should I do if my credit card limit is not enough?

1. Apply for a temporary limit:

In addition to the fixed limit, credit cards also have a temporary limit. As the name suggests, this limit has a period of use, and it will automatically restore to the original limit after expiration. Quota. If the fixed limit is not enough for consumption, you can apply for a temporary limit from the bank to increase the overall credit card consumption limit.

It should be noted that the repayment method is different between the temporary limit and the fixed limit. After maturity, the full amount will be included in the current bill finance, and must be repaid in full before the final repayment date. You cannot apply for installments or consume according to the minimum repayment amount, and if you use the temporary limit, interest will be calculated on a daily basis and compound interest will be calculated on a monthly basis.

2. Repay first and then spend:

If you have unpaid credit card debt before and want to get more credit card limit, you can pay off part of the credit card limit first. In this way, you can increase your credit limit and then directly swipe your card to make purchases. There are things you need to pay attention to here. It is best to repay after the bill date comes out, and make sure that the credit card repayment has been recorded in your account before consumption. Otherwise, you will have to make one payment this month to avoid overdue payment.

3. Apply for credit card loans:

In order to meet the cash needs of cardholders, many banks offer consumer loans based on credit cards, most of which have independent quotas, such as China Merchants Bank e-recruitment Loans, CITIC's Dream Money, etc. will not occupy the credit limit. After successful application, you can transfer it to your debit card for consumption or withdraw cash.

To sum up, there are many solutions to what to do if your credit card limit is not enough. However, it should be noted that although the above three methods can all increase the credit card limit, the better the limit, the better. Be sure not to overdraft excessively, otherwise you will be deemed as maliciously overdrafting your credit card if you have no money to repay after using your credit card. In serious cases, you will be held criminally responsible.

What should I do if the credit card limit is not enough?

If the credit card is overdrawn, the customer only needs to ensure that after the bill is issued on the bill day, he can repay the bill on time before the repayment date (inclusive) . In this way, there won’t be much of a problem. In fact, many banks provide credit card customers with a certain over-limit limit. When the credit card credit limit is used up, you can still use part of the over-limit limit (the over-limit limit is usually . between 5 and 10).

Of course, it is not recommended that customers always max out their credit cards, as this will not be conducive to maintaining the card and increasing the limit. Moreover, if you spend too much on your credit card, the repayment burden will be heavy. If it exceeds your repayment ability and you fail to repay the loan on time within the specified repayment period, it will become overdue, which will lead to If your personal credit is damaged, the use of your card may also be restricted.

If you feel that your credit card limit is not enough, you can actually apply for a temporary limit or increase the fixed limit from the bank. Customers usually pay attention to using their cards well and accumulating good credit. Banks may also take the initiative to increase the credit limit of customers' cards.

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