I just got off the Bank of Communications Pacific Credit Card and it didn’t write down the credit limit, it just said USD 470

Tips on how to quickly increase your limit when using your credit card on a daily basis

Frequency of credit card swiping Gao

In daily life, it is best to develop the habit of swiping your card whenever you can. On the one hand, you can use the bank's interest-free period for free and add a little extra financial income to yourself. On the other hand, you will also become a Active users of the bank, usually the bank will have quota rewards for active users of the bank.

Continuous and stable consumption for a long time

Banks generally have credit card holders who have been cardholders for more than 1 year and have transactions every bill month. The bank's limit increase strategy is for this part. Customers usually take the initiative to increase their limit. If the customer takes the initiative to apply for a permanent limit increase, the bank has a higher chance of approval.

Frequent cash withdrawals and frequent credit card installments

Cardholders who frequently withdraw cash from credit cards have a very high risk factor for banks, but at the same time, cardholders who withdraw cash frequently It also has the highest contribution to the bank; the risk for installment users is relatively low, but the contribution is not low. Therefore, for credit cards that mainly rely on interest and intermediary business as a means of generating income, cash withdrawals and installment users are the favorites of banks. When applying for a limit increase, the relative success rate will be very high.

High consumption amount

Irregular large consumption, and then normal repayment. Banks usually define these cardholders as high-quality customers. When judging whether the cardholder has After a larger amount is needed, the amount will be increased as appropriate. What is the maximum credit limit of the Bank of Communications Pacific Credit Card

The maximum credit limit for a regular card will not exceed 50,000.

Everyone’s credit limit is different. The credit card limit is determined by the bank based on the applicant’s submission. The comprehensive score of the data is given, and the reference items include age, gender, unit, income, position, housing, education, marriage, real estate, professional title, credit record, personal financial assets, etc. One score segment corresponds to one result, from From unapproved cards to approved cards, from low limit to high limit.

After using the credit card for a period of time, you can also apply to increase the limit.

1. Use credit cards frequently and win by the number of card swipes. In daily life, credit cards are used wherever they can be swiped for consumption. Frequent use will definitely help cardholders increase their credit limit as soon as possible.

2. Guarantee the amount of credit card consumption every month. It is best to generate consumption records of at least 30% of the total credit card limit every month. If you persist for more than half a year, the bank system will easily recognize the cardholder's spending power and actively invite the cardholder to increase the credit limit of the credit card.

3. Make sure that credit card payments can be repaid in full and on time. This is very important for credit card holders who want to increase their limit. If you cannot repay in full and on time, resulting in a bad credit card repayment record, it will not only affect the cardholder's personal credit report, but also greatly extend the time it takes for the credit card to increase its credit limit.

4. Enrich the consumption types of credit cards. Different consumption types will reflect the different consumption concepts and spending abilities of cardholders, which will also affect the progress of increasing credit card limits to a certain extent. Within the scope of your ability, increase the opportunities for large-scale purchases on credit cards, thereby promoting the increase of credit card limits as soon as possible.

5. Increase the number of times you apply for temporary credit card limits. Multiple applications for the temporary limit of a credit card also show the eager desire of credit card holders to increase the credit limit, which in turn can speed up the process of increasing the credit limit.

6. Take the initiative to apply for an increase in your credit card credit limit. You can take the initiative to express your eagerness to increase the credit limit of your credit card to the bank through various channels, and proactively provide relevant asset certification files, as well as relevant evidence of the continuous improvement of your own consumption capacity, so that the bank can accumulate more benefits for itself when conducting system evaluations. evidence to increase the credit limit of your credit card as soon as possible. What is the maximum credit limit for Bank of Communications Pacific Credit Card?

The credit limit is determined based on personal qualifications.

Conditions for applying for a credit card:

1. Be over 18 years old and have full capacity for civil conduct;

2. Have a good credit record;

< p> 3. Applicants can apply for no more than two supplementary cards for their spouses or relatives who have full capacity for civil conduct.

Materials for applying for a credit card:

1. Identity certification materials: photocopy of resident ID card or military officer ID card;

2. Work and income certification materials;

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3. Other proof of financial resources: such as a photocopy of the real estate certificate, a photocopy of the vehicle driving license, a photocopy of the deposit receipt, etc.

Credit card application method:

1. Bring credit certificate to the counter to apply: The applicant is required to submit a relatively complete asset certificate file and submit the above to the bank for audit by the bank's back-end audit department.

2. Online banking application: The applicant uses a savings card account in his or her name to open online banking, enter the official website of the required bank, enter the card number, login password and verification code to enter the online banking page. Click "Credit Card Service", you can choose to apply for a credit card under the credit card service page, fill in the information and submit it. The audit progress and results will be displayed on the online banking. Why is the limit of the Bank of Communications Pacific Credit Card Gold Card in US dollars?

During the approval process, the bank will not only refer to the car product provided by the poster (of course, providing the car product will also give you a lot of points when approving the limit) , but the car is not guaranteed for use, it is just a reference), and it will also refer to the nature of the poster's job (private, state-owned, whether it is a high-risk industry, such as KTV, etc.), income, social security, provident fund, personal tax, The limit is approved based on various factors such as personal assets (real estate, time deposit certificates from China Construction Bank, etc.), credit (whether it is overdue, whether you hold multiple bank credit cards at the same time, debt ratio, etc.), academic qualifications, etc., so no matter which channel is used If you apply, there is no way to know the initial credit limit of the card in advance before the approval result comes out.

Finally, here is the CCB credit card I used as an example. Generally, the approval limit for regular and gold credit cards is Between 1,000 and 50,000 yuan, the standard platinum card does not exceed 200,000 yuan

Just apply directly to the bank

The factors that affect the credit card application limit mainly include: personal income, academic qualifications, family conditions, personal assets and other factors. The credit card limit can also be improved based on the cardholder's consumption.

If you apply for a new credit card with a low limit and want to have a higher credit limit, you can actively apply to increase the credit limit after half a year of use, or increase the temporary limit of the credit card when necessary.

To quickly increase your credit limit, you can use as many credit cards as possible, try to use up the credit limit for each bill, and make sure to repay on time.

When applying for a credit card online, you can only fill in personal information and cannot add attachments to the application materials. It is difficult to verify the authenticity of your information, so the credit card limit will be relatively low. If you want to apply for a credit card with a higher limit, you can submit more assets and credit materials to the bank counter.

Credit cards are individually approved by the bank's credit card center based on the materials you provide. Although the main influencing factors are similar, each bank's standards are different and your personal information in each bank is different, so even if the same Application Materials If you apply for credit cards from different banks, the application results and credit card limits will be different. What is the limit of the Bank of Communications Pacific Card I just applied for?

The limit of the Pacific Credit Card ranges from 2,000 to 50,000. I don’t know your credit limit. In addition, if your card is for a small amount and the computer you want to buy supports installment payment, it should be no problem.

Haha

What is the annual fee for the Bank of Communications Pacific Credit Card?

The annual fee for the red card is 140 yuan per year. The annual fee is waived in the first year. The annual fee for the second year will be waived if you make 6 purchases in a year. Until the end of the year, I suggest you pay attention to the Bank of Communications credit card website to see if there is a new annual fee policy. How to increase the permanent limit of the Bank of Communications Pacific Credit Card?

< p> Bank of Communications will proactively adjust your credit limit for you from time to time based on your card usage and repayment status. In addition, you can also apply to increase or decrease your limit by calling the 24-hour credit card customer service hotline 400-800-9888.

For credit card holders, the back-end services of a credit card are one aspect they care about, but the credit limit of a credit card is what cardholders value most. On the one hand, a higher credit card limit is convenient for daily large-amount purchases. On the other hand, it is also regarded by many cardholders as a symbol of having a good credit record.

The following is an introduction to Bank of Communications credit card limits:

1. Bank of Communications will determine the credit limit based on the information and credit status provided by the cardholder when applying. This limit is for the cardholder’s use. The maximum limit for overdraft consumption and cash withdrawal.

2. If you hold several credit cards issued by Bank of Communications, the maximum limit of the credit cards held in the name of the cardholder will be used as the credit limit, not the sum of the credit limits of multiple credit cards.

3. The main card and supplementary card*** share the same limit.

4. Bank of Communications Pacific Dual Currency Credit Card enjoys "one card with dual currencies (RMB + US dollar)", and enjoys credit limits for RMB and US dollars. Bank of Communications Pacific Credit Card Application to Increase the Limit

The way to apply for a credit card limit increase is to fill up the limit in each installment and repay the full amount on time. In this way, after one or two installments, you will call the customer service phone and say that the limit is not enough. Use requirements to improve, and if you persist for a period of time, you will improve. Bank of Communications Pacific Credit Card initial password?

The initial transaction password is the password letter. The initial password for querying the password is the last 6 digits of the ID card.

1. If the transaction mode you choose on the application form is signature only, you can swipe the card for consumption immediately after activation, and enter any 6 digits during the transaction; (only consumption, at the ATM machine Password is required for inquiries and cash withdrawals)

2. If the transaction mode you choose is password + signature, you need to receive the password letter before you can use it.

However, if you need the card urgently, you can call customer service at 800-988-8888 or 400-889-3888, press 1, 9, select other services to enter manual, and request to temporarily change the transaction mode to only By signature. Apply to change back after receiving the password letter.

3. The customer has no special request to send the password letter by regular mail. If the password is not received, you can apply to the card center to send it by registered mail, free of charge.

4. The Bank of Communications credit card transaction password cannot be set over the phone.