Extended data:

Postal savings credit cards rarely reduce risks.

Like minimum repayment and cash withdrawal,

It is easier to improve the quantity by doing these two actions often.

I often use my postal savings credit card to pay utilities.

Telephone charges and management fees are also easy to increase.

After the postal savings bank card is bound to the credit card,

Put money in a savings card for consumption,

That is, using a savings card instead of a credit card,

There are also opportunities to increase the quota.

First, two ideas of credit card withdrawal in Postal Savings Bank

1. Apply for a temporary line.

If there is a large consumer demand in a short time, you can call the customer service hotline of the Postal Savings Credit Card and ask for an adjustment of the temporary quota. If it meets the requirements of the temporary quota adjustment of the Postal Savings Bank, the temporary quota adjustment can be realized within 24 hours. The temporary credit line is valid for 30 days, and the credit line will be automatically restored to the original credit line after expiration.

2. Increase the quota.

When you have a fixed demand to increase the credit limit, you can call the credit card customer service hotline, and the Postal Savings Bank will handle your permanent demand in time according to the cardholder's credit card status and credit status.

Second, it helps to improve the habit of credit card swiping.

1, keep the number of times you use your credit card, regardless of the amount, as long as you can swipe your card, you will definitely use it. And you really need to swipe your card more, because the multi-swipe system will think that credit cards are a necessity for your life, and it also has money to collect.

2. To ensure that credit card consumption reaches a certain limit, it is best to generate at least 30% of the total bill every month. That was not the case. With more credit cards, banks will indeed make more money. But your spending and income will not match, and the bank will think you are very risky. (For example, your monthly income is 3,500 yuan, and your monthly credit card consumption is above 10000 yuan).

3. Apply to the bank for temporary quota from time to time. Because of the short-term need to increase the number of places such as holidays, travel and business trips. , you can apply for a temporary quota, which will be easier to approve. This is usually easy to maintain, because everyone has temporary consumption. But the increased credit line is temporary. This has little to do with raising the permanent quota.

Always apply for withdrawal from the bank. For different customer service applications, continuous telephone withdrawal applications are sometimes handled differently. Different customer service does have different treatment methods, but the results of system evaluation will be the same.

5. Seize the favorable opportunity to increase the number of places. It is most effective to apply on the accounting day or when the card has just been maxed out. Generally, when the card is about to be maxed out, the system will prompt you to automatically increase the temporary limit.

6. Don't interrupt the record of credit card consumption. The bill for credit card consumption needs to last for three months in a row, and it can't be broken in the middle, that is, there must be consumption every month. This does have a great effect on cash withdrawal at the beginning of the card.