Nowadays, credit cards (credit cards) play an increasingly important role in our daily lives. Different credit cards (credit cards) have different credit limits, so How to increase the credit limit of our usual credit card (debit card)? Here we will introduce to you the method of increasing the limit of credit card (debit card).
Understand the corresponding rules of each bank for increasing the credit limit
When using a credit card (credit card), the bank has relevant regulations on increasing the credit card (credit card) limit. Regulation. Under normal circumstances, you need to call the official customer service of the bank's credit card (debit card) to apply after using it for a certain period of time. Of course, the rules for credit cards (debit cards) of different banks may be different, but they must be clear.
1. Reduce the overall debt ratio
You can pay off the debt before the bill is issued, so that the bill will not be issued with an empty card. If you pay in full, the bill will be 0. This reduces the debt ratio.
2. Increase consumption at the appropriate time
Pay the full amount in the first three days before the bill is issued, and then swipe it out before the bill is issued within these three days, spend 50 or 60, catering and entertainment There are at least 3 transactions for merchants in this category.
3. Increase the consumption of high-quality merchants in the "original 1.25 rate" category
That is, the consumption of hotels, jewelry, baths, restaurants and other catering and entertainment merchants.
4. Use a credit card (credit card) to save money
To put it bluntly, it means that if you deposit your own money into a credit card (credit card) and then use it to pay out, it means that the amount is not enough. use to further stimulate consumption.
5. Overseas consumption
Overseas consumption is particularly popular with banks. Friends who are able to go abroad should not waste the opportunity.
In addition, I would like to tell card friends 8 major points to pay attention to:
1. Increase the number of credit card swipes in daily life, try to make 15 swipes - About 20 pens.
2. Do not swipe credit cards (credit cards) within non-stipulated times or swipe whole amounts for a long period of time (for example, swipe credit cards (debit cards) after 10 pm and before 9 am)
< p> 3. Don’t be overdue and repay on time.4. Make appropriate installments and minimum repayments.
5. You can apply for a temporary quota during holidays or special circumstances.
6. Generally, it is the right time to apply for an increase in credit limit 6 months after applying for a card (this depends on the rules of each card issuer, some are three months, some are six months)
7. Call the bank customer service for a long time to ask for an increase in the credit limit
8. Link your capital flow to the card issuing bank
In real life, you can use credit cards (credit There are many places to get stuck. Use a credit card (debit card) if you can, but don't choose to spend impulsively just to increase your limit. This approach is not advisable, because after all, credit cards (debit cards) are used to facilitate consumer life.