1. The credit card limit can be applied by calling the bank’s credit card customer service hotline
2. Go to the corresponding bank branch to apply.
3. If you want to apply for a temporary limit, the cardholder's credit card needs to be activated for 3 months or more and be in good use. If you want to apply for a fixed limit, you need to activate the credit card for 6 months before you can apply.
4. Go to the bank counter to apply for a card with proof of assets. There is a high probability that you can apply for a bank card with a large amount.
:
1. The credit card limit that most people apply for for the first time will be less than 10,000 yuan. If the nature of the job is better, the limit may be increased; in fact, the credit card limit is related to the use of the credit card. If you frequently use credit card for consumption, you can use your credit card no matter what product you purchase, and you will get the opportunity to increase your credit limit.
2. Increase the credit card limit:
1) After using a credit card for consumer loans, you must repay the loan on time. This is the most important basis for the bank to determine the repayment ability.
2) You can usually use a temporary quota, which will make the bank feel that the existing quota cannot meet the demand, and will give you priority to increase the quota;
3) After using it for a period of time, if If you need the credit limit, you can directly call the bank's customer service hotline or go to the bank counter to apply. After accepting the application, the bank will determine whether to increase the credit limit based on the consumption situation in the recent period. Cardholders who fail to pass the credit card can insist on using the credit card and try again in a few months. If you apply, the bank may increase the limit at this time.
3. The credit card is not activated. The card stipulates that a certain amount of money will be charged as a fee every year, so the credit card will be charged even if it is not activated. If the cardholder has not opened the card, it will be charged. Card, once the bank deducts the annual fee from the card limit, if the cardholder fails to repay the loan on time and becomes overdue, it will affect personal credit. If the card you apply for does not stipulate a hard annual fee, and there will be no charge if it is not activated, then the cardholder will not be charged and will not affect his credit report if he does not activate the card after applying for it.
4. If the card is not activated after the validity period, the card will become invalid. If the card has not been activated, it may not be conducive to subsequent limit increases. If there is no need to use a credit card, it is best not to apply for a card to avoid the corresponding troubles, or apply for a credit card that does not require payment if it is not activated.