How often does CITIC Credit Card increase the credit limit

The time for CITIC Credit Card to automatically adjust the credit limit is not fixed, and the credit card limit adjustment is related to the cardholder's card habits. If the system evaluates that the cardholder meets the requirements, it will actively increase the credit card limit.

If you want to apply for withdrawal voluntarily, you can apply for withdrawal voluntarily 3-6 months after the credit card is opened. Whether the withdrawal is approved or not depends on the result displayed on the application page.

generally speaking, credit card holders have a good habit of using their cards, are not overdue, and spend a lot of time swiping their cards, so the withdrawal amount is still relatively fast.

In fact, after using the credit card, there are three ways to choose installment repayment:

Cash installment:

This installment repayment method is to change the credit card into a form that can use the cash limit in the bank, and then handle the installment repayment service in the bank. The cash installment method is mainly suitable for people who need cash urgently.

many people want to know which is more cost-effective than cash withdrawal? In fact, the cash installment repayment method is more cost-effective, because the cash withdrawal bank will collect the handling fee and interest from it, and many banks have not collected the handling fee generated by the cash installment repayment. In fact, compared with the credit card withdrawal installment method, the interest generated is more cost-effective. In fact, it is not very good to withdraw cash frequently in the process of using credit cards.

bill installment:

this installment repayment is to pay the total consumption amount during this period in installments after the bill comes out. Consumers don't have any pressure and hesitation when buying. When the bill comes out, they will be dumbfounded when they see the figures. Some people often choose to repay the bill in installments, which will relieve the pressure on the economy.

Consumption installment:

In fact, this repayment method is to repay one or several expenses incurred on the bill in installments, and you can choose to repay them in installments from hundreds to thousands or even tens of thousands.

If you choose this method, you can operate the consumption by stages within the first ten days of these repayment dates, and some banks will send short messages to your mobile phone after the consumption by stages, just follow the short messages to operate normally. Therefore, it is not a big problem for consumers nowadays to buy brand-name bags or expensive goods.

no matter which method you choose for credit card repayment by installment, you need to pay interest or fees, and the bank has regulations. Once you successfully choose installment repayment, if you repay in advance, you must pay it off together with the unpaid fees. Therefore, everyone must carefully consider when choosing installment repayment.

although the use of credit cards can bring convenience to life, repayment by installments can also reduce part of the economic burden, but we should master our own economic situation and make reasonable consumption and choose installments.

How long can the credit limit of CITIC Credit Card be increased

There are two kinds of credit card withdrawals, one is temporary withdrawal, and the other is fixed withdrawal, which have different requirements on the use time of credit cards. For the first time, the temporary limit is raised, requiring cardholders to use credit cards for at least three months and above, and for the first time, the fixed limit is raised, requiring cardholders to use credit cards for at least six months and above.

How to increase the credit limit of CITIC Credit Card

Increase the temporary credit limit: After holding the credit card for three months, the cardholder can call the credit card service hotline of CITIC Bank to apply, and the bank will appropriately increase the credit limit according to the credit card usage record. The temporary credit limit is valid for two months, and the original credit limit will be restored upon expiration.

increase the fixed amount: there are three ways to increase the fixed amount, one is to call the customer service hotline of the bank credit card, the other is to log in to the online banking of CITIC Credit Card, and the other is to go to the offline outlets of CITIC Bank.

Call the customer service hotline: Call the customer service hotline of CITIC Bank to apply for increasing the credit card limit. CITIC Bank will review the cardholder's past credit records and card usage, and raise the credit limit for customers who meet the credit adjustment policy of CITIC Bank.

log in to online banking: log in to the credit card center of China CITIC Bank and log in to personal online banking, and click Card Management-Increase the limit of main card to apply.

going to offline outlets: bring my ID card and new financial proof (real estate, car, insurance, deposit, financial management, etc.) to the bank counter to apply.

CITIC Credit Card Improvement Skills

1. Increase the frequency of credit card swiping. Daily consumption can be completed by credit card, such as daily consumption, paying water and electricity bills, buying household appliances, etc., and both large consumption and small consumption are required, so that banks can see your spending power and your dependence on credit cards.

2. Pay back on time, maintain a good credit standing, and pay back on time after consumption, so that the bank can see your repayment ability, and can choose the installment appropriately, but it must not be overdue.

3. Provide more property certificates, including but not limited to property certificates, cars, wealth management products, deposits, insurance, etc.

How long will the credit card of CITIC Bank be withdrawn

1. Generally, after using the credit card of China Bank for three months, you can apply for a temporary credit line, and if you have used it for six months, you can apply for a fixed credit line.

2. If your credit card is in good condition, generally, China Bank will take the initiative to increase your credit limit. If the card is not in good condition and has a negative record, it may be reduced.

3. Apply for quick three-step payment!

4. There is no time limit for the credit card withdrawal of China Bank. However, as long as you swipe your card more, pay back on time and maintain your good personal credit, you will withdraw the credit card.

5. In addition, if you have a new financial proof, you can provide it to the bank, and you can generally withdraw the amount.