If you use China Merchants Bank Card, you can only reduce the credit card consumption limit through the mobile banking App. Log in to mobile banking, click "My-Bank Card" to select the corresponding bank card, and then click "Other Payment -ATM/POS Settings -ATM/POS- Daily Consumption Limit" to make adjustments according to the prompts. If you need to increase the limit, you need to log in to the online banking professional edition and click "All-in-One Card → Account Management → Limit Management →ATM/POS limit →POS daily consumption limit → Settings" to modify it. Or please bring your card to any counter of China Merchants Bank to increase the credit card consumption limit.

Credit card withdrawal can be carried out through bank outlets, customer service hotlines and other channels, but the credit card must be used for at least 6 months and approved before the quota can be increased. It is recommended to spend money by credit card frequently, repay in time, leave a good credit record, and occasionally go to high-end hotels and supermarkets to spend money by credit card. If you have a record of spending abroad, it will also increase the pass rate of your withdrawal.

Operating environment: mobile phone: Xiaomi 10 system: Android 1 1.

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1. Credit card limit refers to the available credit card limit and the limit that the cardholder can overdraw. The initial credit limit of a credit card is the credit limit approved by the bank according to the applicant's credit status when the applicant applies for a credit card, and the cardholder can recycle it within the validity period of the card. If the cardholder has spent a certain amount, then the available amount is the total credit minus the used and unused amounts, and the credit card amount will be restored immediately with the cardholder's repayment.

2. Credit card limit can be increased. In the process of using a credit card, if the credit limit is insufficient, the cardholder can apply to the bank for withdrawal, which is generally divided into temporary credit limit and fixed credit limit. It is relatively easy to apply for a temporary credit line. You can apply to the bank if you keep a good credit card record for more than 3 months, but after one month's validity, the temporary credit line will be invalid and you need to apply again. To increase the fixed credit card limit, the cardholder should not only keep a good record of using the card, but also master certain withdrawal skills, such as swiping the card frequently to ensure that the credit card limit is 70%-80% of the credit line; Appropriate credit card installment and withdrawal; Provide additional financial proof, etc.

Some people may feel that their credit card limit is low because their credit information is not good enough. This is actually a wrong idea. Many people will have a low credit card limit at the beginning, and later rely entirely on their own credit cards to cater to the preferences of banks. For example, BOC likes cardholders to spend more in nightclubs and spa clubs, while Bank of Communications likes cardholders to spend more in small amounts without staging. Therefore, the level of credit line can't depend entirely on the quality of credit information, but the credit information of people with high credit line will never be bad. If you have used your credit card for a long time, but you have never been cashed out by the bank, you can search on the home page of WeChat: Card Quick Check to find out your consumption habits in the past six months. A comprehensive graphic data report can help you avoid the pit of swiping your card more effectively. According to the credit card suggestions in the report, you can improve your consumption habits, increase the credit limit as soon as possible, and reduce the probability of card reduction.

Operating environment: mobile phone: Xiaomi 10 system: Android 1 1.