What's the matter that the comprehensive score of credit card is not enough to withdraw cash?
The lack of comprehensive credit card score is not caused by a single factor. It is necessary to make a comprehensive score based on the applicant's card use behavior and credit situation in order to determine whether to raise the amount for the user and the level of the amount. If the amount cannot be increased, it may be caused by the following reasons:
1, the withdrawal time is wrong. Credit card withdrawals are also time-limited. The first time to use the card is more than 3 months, the quota is more than 6 months, and the second time to use the card is 3 months, and the quota is 6 months. Under normal circumstances, there are only two opportunities to increase the quota a year.
2. The card posture is incorrect. Credit cards can be used for both credit card consumption and cash withdrawal in case of emergency. Pay attention to discretion. If the user has a credit card and does not spend money during normal business hours, abnormal trading behavior will affect the user's comprehensive score. In addition, there are frequent withdrawals. Even if the user pays off the debt, the bank will think that there is a shortage of funds and the risk is too high.
3. The repayment method is incorrect. Many users repay in full, thinking that this can show their strong repayment ability, but they don't know that the withdrawal of cash from banks depends on contributions. If users don't mention cash and don't stage it, it is impossible for banks to taste the sweetness and the comprehensive score can't be improved. The credit card limit can't be raised naturally.
4. Bad credit conditions. Lower debt and stable repayment ability are the keys to increase the line. If the user's credit information has a large number of outstanding debts, a large number of inquiry records and overdue records, these are all manifestations of insufficient credit conditions, which will also lead to insufficient comprehensive scores, which will lead to rejection of withdrawal.
Moreover, this situation can't be solved by manual customer service, because the result of cash withdrawal is evaluated by the banking system according to the comprehensive qualifications of users, and it can't be done manually. Therefore, if users want to successfully increase the quota, they must ensure that their comprehensive qualification level is improved.