The most effective skill of credit card withdrawal

1. The basic requirement for appropriately increasing the amount of consumer transactions is that the total consumption accounts for more than 30% of the total within half a year. If this condition is not met, it is difficult to increase the amount. Try to maintain a certain trading volume every month. If conditions permit, you can spend more than 70% of the total credit card amount every month, which is very helpful for bank credit card withdrawal.

2. Keep the consumption types diversified. If you only use the same type of credit card, it is easy to be suspected of bad behavior by banks, so the types of merchants should be as diverse as possible: shopping malls, supermarkets, gas stations, restaurants, hotels, tourism, entertainment places and other daily consumption places. Why try to diversify? According to the bank's evaluation, the more diversified the customer's consumption behavior, the more stable the customer's consumption habits; The opposite is not the case.

3. Foreign consumption is active. This move is suitable for card friends above the "advanced growth" stage. Why do you say that? Because young friends who are "out of the rivers and lakes" are sure that their economic conditions are average, they can hardly make frequent consumption abroad.

4. Always pay in installments and pay in full. Usually, if you can't buy big items for a while, you can choose to apply for installment payment. Although installment is interest-free, you need to pay a certain handling fee to the bank. After giving the bank some benefits, the withdrawal speed is comparable to taking a rocket! It will soon be able to reach the "decent" stage from "entry level".

5. Continuously increase the temporary quota. For example, when your official quota reaches 50,000 and there is no bad record, you can try to apply for a temporary quota of around 80,000. Once the temporary quota expires and the repayment is made on time, you can apply for increasing your permanent quota according to this standard, which is more likely to pass.

Hidden rules of credit card installment payment

1. The more installment times, the lower the installment interest rate and the different installment fees for each bank. Regardless of whether there is a bill or not, the installment fee is calculated according to the installment interest rate. The bank encourages cardholders to pay by installments. If there is no economic pressure, it is best to repay in full.

2. There is nothing wrong with the prepayment fee. According to most bank regulations, once the credit card bill is divided into installments, if the installment fee is paid monthly, even if the loan is repaid in advance, you still need to pay the fees for the remaining months.

The installment amount of this bill is limited. Not all the expenses on the bill can be paid in installments. Under normal circumstances, the installment amount of credit card bill cannot exceed 90% of the new consumption in this period.

4. Temporary line cannot be paid by installment. If the credit card has a temporary limit, it cannot be divided into installments. The temporary limit must be paid off in one lump sum, and there is no minimum repayment amount. If you don't return it, it will affect your personal credit information.

5. The installment of bills does not affect personal credit reporting. The installment of bills does not affect personal credit information, only the repayment that has not been repaid or missed the last repayment date will affect personal credit information.

6. The installment type is not limited to bill installment, but also includes cash installment, transaction installment, shopping mall installment, contract installment and special installment. Cardholders choose different staging types in different situations and find the most cost-effective way through reasonable configuration.

7. It's too annoying for bank customer service to sell installment calls. The installment business of the bank is outsourced. You can call the customer service of the bank yourself to cancel, and tell the bank that I will do it myself. Don't always bother.

How to increase the credit card limit

With the increasing popularity of credit card consumption, low credit card quota has become a pain in the hearts of many credit card users. How to increase the credit card limit?

Ways to increase the credit card limit:

1, often use credit cards, regardless of the amount, as long as you can swipe your card, you will definitely spend.

2. It is best to generate at least 30% of the total bill consumption every month.

3. Increase the number of places such as holidays, travel and business trips due to short-term needs. , you can apply for a temporary quota, and approval will be easier.

4. Continuous telephone withdrawal applications, sometimes different customer service applications will be handled differently.

If you cancel the card without increasing the quota, sometimes it is ok.

The bank intends to stop using credit cards for a period of time. In order to occupy land, banks have certain incentives for the activation of dormant cards, such as cash withdrawal.

7. The time to increase the amount is also very important. It is most effective to apply on the accounting day or when the card has just been maxed out.

8. The bill for credit card consumption needs to last for three consecutive months, and it cannot be broken in the middle, that is, there must be consumption every month.

Credit card limit audit standard:

1. Marital status: Married customers will be more stable and more favored by banks than single customers.

2. Title and working conditions: Technical titles are the testimony of customers' working ability. Employees in industries with high stability can get extra points.

3. Economic ability: People with detailed personal income certificates, stable income and long-term income growth prospects will get higher ratings.

4. Personal housing: owning personal housing can also show that individuals have a certain economic foundation and can get extra points.

5. Credit history: If the borrower has an account in the bank in the past and funds often come in and out, the bank will also consider adding points as appropriate.

6. Education level: Graduate students or above will be rated as higher.

Important conditions for applying for increasing the permanent quota:

1, the larger the amount, the better, and the total consumption for half a year is at least 30% of the quota;

2. Consume as much as possible. For transactions with an average of more than 10 per month, it is easier to withdraw cash for transactions with more than 20 transactions;

3. There are many types of consumer merchants, such as shopping malls, supermarkets, gas stations, restaurants, hotels, tourism and entertainment places.

4. The less bulk consumption such as wholesale and house purchase and car purchase, the easier it is to raise the amount;

5. The less online shopping, Alipay transactions and cash withdrawals, the easier it is to approve the application for increasing the quota;

6. The type of merchants who swipe their cards cannot always be similar to the business scope of the company.

How to increase the credit card limit?

To increase the fixed amount of credit cards, it is necessary to review their credit card records, and China Merchants Bank will also take the initiative to increase the fixed amount for cardholders with good credit card records from time to time; If you do not meet the conditions for automatic promotion, you can also try to apply for an increase in places through the following channels. Whether you can be promoted or not depends on the system audit. You can also try to apply through the following channels:

1. Mobile banking: To increase the fixed credit card limit, you can try to apply through My → All → Credit Card → Limit;

Tip: To increase the fixed credit card limit, you need to check your credit card record. If "Sorry, you can't increase the fixed credit card limit for the time being" is displayed, it is recommended to use your credit card for a while and try again.

2. After logging in to the popular version or professional version, click Account Management → Account Limit Management → Quota Adjustment to apply for increasing the quota.

You can inquire, increase or cancel the temporary limit of credit cards (except business cards) through the following channels:

1. online banking: after logging in to the online banking popular edition or professional edition, click the credit card in the upper right corner and select Account Management → Account Limit Management → Temporary Limit Adjustment to query, upgrade or cancel the temporary limit;

2. Customer service hotline: Call the credit card customer service hotline, and select 2→3→ 1 to apply, inquire or cancel the temporary line according to the prompt;

3. Mobile banking: After logging in to mobile banking, click "Home → All → Credit Card → Quota → Temporary Quota" to apply;

4. After logging in to Pocket Life, select My → Credit Line → Temporary Credit Line to query, and add or cancel the temporary credit line.