This situation may be that the user has exceeded the limit. As long as the excess is fully repaid and the credit card is used normally for a period of time, it can generally be solved. For details, please consult the credit card customer service hotline of China Everbright Bank and the staff of bank outlets.
If you want to increase the credit card limit, you need to increase the frequency of credit card use, and the limit should be relatively high. If you haven't raised the amount, you can consult the credit card customer service hotline of China Everbright Bank and the staff of bank outlets.
First of all, how to increase the credit card limit for convenience.
(1) The first thing is to increase the number of credit cards used, that is, the frequency of swiping cards must be high.
(2) that is, the amount of each consumption must be high.
(3) There is a stable consumption time every month, and the consumption time is long.
(4) At the same time, if you withdraw cash by credit card on a regular basis, these customer banks will also give priority to increasing the quota, because the withdrawal banks earn more.
(5) If you are a customer with strong spending power, when you propose to return the card, the bank will often give you a credit line as a preferential condition and will not support you to return the card.
Second, what is customer-level sealing?
The temporary limit of this card cannot be phased or the limit has been closed.
Several types of customers will be defined as risk customers by banks, and the possibility of card closure is very high. For example, handling multiple credit cards suddenly leads to high debts, illegal cashing, and multiple lending behaviors on the online lending platform. With the increase in the number of credit cards issued by banks in the past two years, banks began to focus on profitability and card quality from simply pursuing the number of cards issued. Therefore, natural credit card risk control will become more and more strict.
Third, if you want to quickly increase the credit card limit, you can spend it in the following ways in your usual consumption.
(1) Always use a credit card, no matter how much it is, as long as you can swipe it, you will definitely swipe it.
(2) It is best to generate bills, at least 50% of the total consumption every month.
(3) If there is a short-term need to increase the quota due to festivals, travel, business trips, etc., you can apply for a temporary quota, and the approval will be easier.
(4) The bill for credit card consumption needs to last for three months without interruption, that is, there must be consumption every month.