How to increase the credit limit of China CITIC Bank

How to increase the permanent credit limit of China CITIC Bank credit card:

1. It is necessary to swipe the card frequently, more often and in more types. , all card sizes are used for consumption, and especially all the credit limit is almost used up every month, so that the bank knows that the user's credit limit is not enough, but cannot max it out, and if you max it out, you need to pay an over-limit fee;

2. Repay on time and leave a good record. A bad credit record is all in vain; it shows that you have good repayment ability, which is a prerequisite for raising the limit.

3. Frequently call the bank to temporarily adjust the limit during holidays. Adjust the permanent limit a few times and it will be easier to increase.

4. Frequently pay in installments, especially for large purchases, but it requires At the expense of paying some handling fees or installment interest;

5. Even in the same bank, different credit cards have different credit cards. For example, CITIC JD.com Little White Card can often be used for purchases on JD.com. It is conducive to increasing the limit. For example, with the CITIC Carrefour Credit Card, you can often use the card to make purchases at Carrefour supermarkets and pay in installments. The same is true for other co-branded credit cards. It depends on which aspect he is interested in.

CITIC Bank credit card temporary limit increase:

1. Log in to CITIC Bank personal account and find my limit on the homepage

2. Go to CITIC Bank Credit Card Limit Center Find and adjust the fixed limit of the card or receive the fixed limit within a limited time;

3. Modify and increase the fixed limit amount, and then click one-click to increase the limit;

4. Complete the SMS verification;

5. CITIC credit card limit adjustment was successful;

Operating environment: Huawei nova6 HarmonyOS CITIC Bank version 7.5.3

CITIC Bank credit card iron limit type:

1. Temporary limit increase

When the user's fixed limit cannot meet consumption needs, the user can apply for a temporary limit from the CITIC Bank Credit Card Center, which will take effect immediately upon approval. The temporary quota is valid for a certain period of time, and will automatically revert to the original quota after the period is exceeded. After the temporary limit expires, the used temporary limit (the portion exceeding the fixed limit) does not enjoy the revolving credit facility and will be included in the minimum payment amount of the latest bill and must be paid off in one lump sum on the due payment date. Providing as many financial proof documents as possible, such as real estate, deposits, etc., will help increase your limit.

2. Permanent limit increase:

CITIC Bank will increase the fixed limit from time to time for cardholders with good card usage records. Cardholders can call the CITIC Bank customer service hotline (400-88-95558) to apply for an increase in the card's fixed credit limit. CITIC Bank will review your credit history and card usage based on your past credit history and card usage, and will conduct a review for customers who meet CITIC Bank's limit adjustment policy. The permanent credit limit is increased.

How to adjust the credit limit of CITIC Bank’s credit card?

The credit limit of China CITIC Bank's credit card is divided into temporary limit and fixed limit: application for temporary credit limit. To apply for a temporary credit limit, you need to have held the card for at least three months. The cardholder needs to call the bank's customer service to apply. The bank will make adjustments based on the customer's credit status and card usage. \The temporary credit limit is valid for up to 3 months. After expiration, your credit limit will automatically restore to the original limit. After the temporary limit expires, the used temporary limit (the portion exceeding the fixed limit) does not enjoy the revolving credit facility and will be included in the minimum payment amount of the latest bill and must be paid off in one lump sum on the due payment date. , The credit limit of a fixed credit card must be held for at least six months. At the same time, applicants are required to provide relatively sufficient credit certification materials, which will be reviewed by relevant departments. It usually takes 3 working days for the results to be available. \Several ways to increase credit card limit:\. Number of uses: Frequent use of credit cards, regardless of the amount, as long as the card can be swiped, it will definitely be swiped. , Amount: It is best to generate monthly bill consumption that is at least 30% of the total amount. . The bill for swiping the card must last for 3 consecutive months without interruption, that is, there must be consumption every month.

How to increase the limit of CITIC Credit Card

The operation process of increasing the limit of CITIC Credit Card:

1. Open the CITIC Bank Credit Card Mobile Card Space APP and find My on the homepage Limit;

2. Find the card’s fixed limit in the CITIC Bank Credit Card Limit Center to adjust the card’s fixed limit or receive a fixed limit within a limited time;

3. Modify and increase the fixed limit amount, and then click one-click to increase the limit;

4. Complete SMS verification;

5. CITIC Credit Card limit adjustment is successful;

6. Return to CITIC Credit Card Limit Center to view the latest adjusted limit.

CITIC Bank Credit Card has always been aimed at serving the public, and has applied credit cards to better serve the public. Many people who have used credit cards know that credit cards are very convenient and can be used not only in large shopping malls and supermarkets in China. , and can even be used in some foreign consumption places. Credit cards greatly facilitate the general public and allow banks to gain more profits from them.

How to increase the limit of CITIC Credit Card

Tips for increasing the limit of CITIC Bank Credit Card:

1. Improve credit index

While using CITIC Bank Credit Card , cardholders should not have any bad behavior records such as overdue, cash out, etc., and should maintain good personal credit. Personal credit plays a vital role in increasing the credit card limit. Therefore, if you want to increase the credit limit, good personal credit is necessary. Indispensable.

2. Spend more with your card

If you want to increase your credit card limit, cardholders need to use more CITIC Bank credit cards, ranging from buying snacks and groceries to large purchases of appliances and furniture. All purchases can be made using credit cards. It should be noted that you should not make large purchases at the same place multiple times, otherwise the bank will suspect that the cardholder is cashing out, which will be very detrimental to the limit increase.

3. Win with the amount of credit cards swiped

The amount used by cardholders on CITIC Bank credit cards every month should account for more than 30% of the total limit, and win with the amount of credit cards swiped as much as possible. Once the cardholder wants to increase the limit, the bank will see the cardholder's consumption record, and the approval rate for the limit increase will be relatively high.

4. Overseas consumption is also a way

Card holders who want to increase their credit limit can spend a sum overseas. Relatively speaking, banks will be more optimistic about overseas consumption. If the cardholder plans to go abroad in the near future, he can apply for a temporary limit increase. After making a few purchases abroad, he can then apply for a fixed limit when he returns home. Generally, if the cardholder's credit card usage is in good condition, the bank will agree to the request for a limit increase.

5. The timing of the limit increase is very important

Cardholders who want to increase their CITIC Bank credit card limit can get twice the result with half the effort by choosing the right time to increase the limit. Cardholders can call the bank to apply for a limit increase one day after the monthly repayment date or immediately after overdraft consumption, and explain that the limit is not enough. Under normal circumstances, the bank will agree to appropriately increase the CITIC credit card limit. Of course, the prerequisite is the cardholder's credit card usage. good.

1. Call CITIC Bank’s customer service hotline 40088-95558 to apply for an increase in credit card limit. CITIC Bank will review your past credit record and card usage and provide credit limits to customers who meet CITIC Bank’s limit adjustment policy. Increase.

2. Log in to CITIC Credit Card Online Banking, select "Main Card Limit Adjustment" under "Card Management", and apply to increase your permanent limit.

If you want to increase the permanent limit of your CITIC Credit Card, you need to pay attention to two points:

(1) Frequently use your credit card to make purchases and prove to the bank that you have greater consumption needs;

(2) Repay the loan in full and on time to convince the bank that you have sufficient repayment ability.

Operating environment:

CITIC Bank version: v8.6.5

Mobile phone: Redmi k3012.5.5

How to adjust the limit of CITIC Credit Card Let’s stop talking about the introduction here.