Industrial and Commercial Bank of China
1. ICBC likes customers with assets, consumption abroad, wealth management metal transactions, fund customers and customers with high star value.
2. Business likes large consumption, including repeated consumption. Empty cards are ok, the risk control is not strict, and proper TX is not a big problem.
3. ICBC also takes high-risk control measures for customers without deposits and customers with abnormal card use. Therefore, ICBC can use time deposits to handle cards or withdraw cash.
4. ICBC has a product that other banks don't have, which is star value. Everyone can brush the stars, which is helpful for returning the card.
5. If your ICBC credit card limit is below 654.38+ 10,000, then you only need to swipe your ICBC business friend card to double 7 stars. The main method is to buy a step-by-step wealth management product, sell it after buying it, and easily increase the amount to 5-65438+ 10,000.
6. There are many credit cards and many installments. Normal POS machines spend a few times a month, and the amount does not need to be too high. Generally, the minimum repayment amount should not be paid, but should be paid in full. After a few months, it is appropriate to ask for withdrawal.
7. Brush your credit card with running water. Thousands of small cards, save 20,000-50,000 at a time, and brush them again or several times. Under normal circumstances, customer service will take the initiative to call and ask. It can be said that because the credit card limit is too small, when the savings card is used, it will be saved every day and then swiped. Usually, customer service will take the initiative to call to raise the amount.
8. Upload financial proof, vehicle license, real estate license, the real one is the best, there is no real solution, and the business license is the same. These are uploaded to the credit card customer service center by fax, and the success rate of calling to apply for increasing the fixed amount is also very high.
agricultural bank
1, ABC likes to spend a lot of money, such as buying home appliances and decorating. Of course, before using this, try to call customer service to explain the situation. Agricultural Bank of China can spend more and brush more, without limiting the number of swipes. Agricultural Bank of China prefers to brush.
2. Don't you think it's not worth having if the amount provided by Agricultural Bank is not capped? And as long as you use the credit card of Agricultural Bank of China, it will be given to you more or less every once in a while, basically in the first half of the year.
3. Agricultural Bank of China has running water. Of course, credit cards can also be divided into stages, so that when banks make money, they will naturally increase your quota.
4. Remember that it is basically difficult for ABC's credit card not to cash out, and it is difficult for ABC to withdraw cash after cashing out.
5. ABC's temporary quota occupies a fixed quota, that is to say, using temporary quota means occupying a fixed quota promotion time, and it is best not to use temporary quota.
6. Don't call customers frequently to apply for cash withdrawal, or your credit report will show post-loan management.
7. ABC WeChat and telephone self-service voice can only increase the temporary quota.
8. Curve withdrawal, such as the credit currency some time ago. After the application is successful, call customer service and ask for leveling the line.
9. Before ABC raises the amount, it must be prepared to swipe its card in five different places, regardless of the amount, and then directly call the customer to say that it wants to decorate, buy home appliances, apply for a temporary amount of decoration, take the green channel, and then call the customer to say that it wants to raise the amount. If it is passed immediately under the condition of fixed amount, I think it is less, so I will call again immediately (only on the same day). The first call is not very important, and the second call will continue with the lion's mouth.
Bank of China
1. Bank of China attaches great importance to deposits, so before applying, or if it wants to withdraw money, it can apply for a savings card and time deposit in Zhang Zhongxing.
2. The credit card amount should be as much as possible, and the total consumption within half a year should account for at least 30% of the amount.
3. Consume as much as possible, with an average of more than 10 transactions per month. If it is more than 20 transactions, it is easier to withdraw cash.
4. There are many types of consumer merchants, such as shopping malls, supermarkets, gas stations, restaurants, hotels, tourist and entertainment places, etc.
5. The less wholesale, house purchase, car purchase and other bulk consumption, the easier it is to raise the amount.
6. The less online shopping, Alipay transactions and cash withdrawals, the easier it is to approve the application for increasing the quota.
7. As long as China Bank has repayment records, it can adjust the temporary limit. Then the second temporary quota adjustment can be made.
8. The first permanent credit line of China Bank is six months later, and the second permanent credit line is three months later.
9. Apply for a temporary quota first, and then apply for a new card. The permanent limit of the new card is the fixed and temporary limit of your previous card. When the above methods are invalid or ineffective, it is the best way to increase the credit card limit of China Bank by constantly applying for new cards and canceling old cards at any time.
10, call customer service, apply for temporary line, and approve it in real time. Generally between 40% and 100%. Where are the loopholes in customer service? Customer service won't give you a particularly high price for the first time. 10000 The biggest application will be 10000, and he will only give you 7000. You have to ask him to transfer it to you.
China construction bank
1, no matter whether you spend a large amount or a small amount, there seems to be a lot of data, and it is more appropriate to spend more than 10 a month. Appropriate staging, it is best to brush some foreign currency, not too many staging.
2, rigid, computer audit, manual non-intervention. The computer system is relatively rigid, and it is carried out in strict accordance with a set of scoring mechanisms within CCB. Only cardholders who have reached a certain point will be invited by CCB to increase the permanent quota, and cardholders cannot apply for increasing the permanent quota.
3, appropriate staging, staging can not be too much.
4. CCB has many Haitao activities, and participating in its Haitao activities will help to increase the quota.