If you are not satisfied with your credit card limit, you can apply for adjustment and use your credit card frequently:
1。 In daily life, credit cards should be used wherever you can spend money with them. If you can't repay in full and on time, there will be a bad record of credit card repayment, and the credit limit will automatically return to the original limit after expiration.
(1) Long-term quota increase
When you need to increase the credit limit for a long time, you can call the credit card customer service hotline. The bank will handle the demand for permanent adjustment in time according to the cardholder's credit card status and credit status. If you meet the conditions for temporary adjustment of the bank, the temporary adjustment of the credit limit can be realized within 24 hours.
(ii) Temporary increase of quotas
If there is a large consumer demand in a short time, you can call the credit card customer service hotline and ask for a temporary increase in demand. This is very important for credit card holders who want to increase the credit limit, which will greatly extend the time for credit card to increase the credit limit.
2. Ensure that the credit card can be repaid in full and on time, and win by the number of swipes. Different consumption types will reflect cardholders' different consumption concepts and spending power, and frequent use will definitely help cardholders to increase the credit limit of credit cards as soon as possible.
3. Ensure the amount of credit card spending every month. It is best to generate at least 30% of the total credit card consumption records every month. If it lasts for more than half a year, the banking system can easily recognize the cardholder's spending power and actively invite the cardholder to increase the credit limit of the credit card.
4. Enrich the consumption types of credit cards. ?
Extended data:
The maximum overdraft limit of credit card Capka of ABC is 50,000 yuan (including equivalent foreign currency), the overdraft limit of gold card of ABC is 200,000 yuan, and the overdraft limit of business card is 3%, not exceeding 3 million yuan. If there is no comprehensive credit, the maximum overdraft limit is 6,543,800 yuan.
The overdraft limit of a credit card is also directly related to the relevant materials and information of the cardholder at the time of application. For example, personal income, real estate, vehicles and the nature of personal work are used as proof materials to limit the upper limit of credit cards. The overdraft limit of the same credit card will increase with the cardholder's consumption limit, and it will automatically increase within half a year or a year.
References:
Agricultural Bank Credit Card-Baidu Encyclopedia