For every user, the credit card limit is very important. If the quantity is not enough, only part of the problem can be solved. So if you want to increase the credit card limit, does it have anything to do with your own credit information? Let's take a look at the relevant content together.

Is there a relationship between credit card withdrawal and credit reporting?

In fact, credit card withdrawal is related to credit reporting. Many banks will inquire about the credit information of cardholders after receiving their withdrawal applications. If the cardholder's credit information is too dark or too expensive at this time, it means that the cardholder's willingness to repay is not good and his financial situation is worrying. For the sake of capital security, he naturally does not trust to give too high a quota, so he will refuse to withdraw cash from the cardholder. To this end, if cardholders want to withdraw cash smoothly, a good credit record is essential, and they should refrain from applying for credit loans or handling credit cards at many banks at will.

Influencing factors of credit card withdrawal

1, asset certificate

If you need to withdraw the amount, you can apply to the bank with real estate license, car book and financial voucher. If you meet the requirements, you will have the opportunity to increase the quota.

2. Personal liabilities

Personal debt will directly affect the repayment ability of cardholders. So this is also one of the most important factors for retiring. But it doesn't mean that the cardholder can't have debts under his name, but it should be moderate, preferably not more than 50% of the income. If the debt is high, it can be reduced as much as possible through repayment, and it can also increase his income.

3. Number of credit cards

If there are too many cards, it is difficult to withdraw cash, so don't have too many credit cards. There are one or two cards in hand, and the amount of a single card is about 50 thousand, which is much better than that of seven or eight cards in hand, and the amount of a single card is only about 1 10 thousand. The best limit is to keep two cards, one main card and one auxiliary card.

4. Occupation

Although there are no occupations, there are still great differences in income and status between different occupations. Civil servants, teachers and employees of public institutions are favored by banks, and the quota will naturally be higher.

5. Consumption habits

Both loans and credit cards should be used frequently. Cultivating a good loan repayment record can quickly increase the amount and meet your growing consumer demand.

To sum up, the credit card withdrawal amount is still related to our credit information. If you want to increase the credit card limit, maintaining good credit information is a prerequisite.