Operating environment:

Browser Google version 92.0.4515.131, open the official website of the credit card of a rural credit cooperative in a certain area.

1. Rural Credit Cooperative credit card balance inquiry method

1. You can inquire the credit card balance by calling the service hotline of the credit card issuance center, telephone banking, manual service or voice service.

2. Wait for the bank credit card statement. The statement will clearly tell you the balance on the credit card, repayment record, bill, etc.

3. Log in to the website of the bank to which the credit card belongs: register for online banking, enter your username and password, click login, and enter online banking for balance enquiry.

4. Check at nearby bank branches or ATM machines

2. Credit card limit

Credit card limit refers to the amount issued by the bank to the credit card holder The maximum overdraft limit of a credit card is different for different credit card levels, among which:

1. The limit of a regular credit card is about 3,000-10,000;

2. The limit of a gold card is 10,000 -Around 50,000;

3. The limit of the credit card platinum card is more than 50,000.

The credit card limit is mainly determined by the credit card applicant’s personal credit, repayment ability and other comprehensive qualifications. The limit of any credit card depends on the valid income and asset security value provided by the individual during the application process. The credit limit of a credit card is positively correlated with the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit obtained. Therefore, applicants must provide proof of income, provident fund social security, and asset guarantee statements. Asset guarantees include fixed assets such as real estate and cars, as well as current assets such as savings and bonds.

3. Methods to increase credit card limit

1. Continuously and frequently use credit cards for consumption

Insist on long-term credit card consumption, preferably for more than three consecutive months. There is a credit card consumption quota every month, and you should try to swipe your card wherever you can, regardless of the amount. The more times and merchants you use, the better.

2. Pay attention to the amount of credit card swiping and the temporary limit increase

Pay attention to the amount of credit card swipe and make full use of the temporary limit increase.

3. Persist in applying and seize the opportunity to apply

Persist in applying and seize the opportunity to apply, a two-pronged approach. For credit card users, you can insist on using the phone to apply for increasing the credit card limit, because different customer service or staff have slightly different attitudes and principles when processing applications in this area. Maybe they failed the previous one but passed the next time, and Keeping a record of your phone application will also help you apply for a quota increase in the future.

4. Use the threat of card cancellation or sleep suspension

Use the threat of card cancellation or sleep suspension. When you have made multiple applications and been rejected, you can consider using this trick. Just tell the bank's customer service or staff directly. If the credit card limit cannot meet the actual needs, they will consider canceling the card. This will make it easier to obtain consultation and approval. room for maneuver.