The amount of any credit card depends on the effective income provided by the individual during the application process and the value of the asset guarantee. The credit limit of a credit card is positively related to the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit.
Extended information 1. Frequency refers to spending money by swiping the card wherever possible, regardless of the amount. The more credit card times and services, the better. If you swipe your card at one time, it is easy for the bank to think that there is a suspicion of cash withdrawal by credit card, and it is difficult to get the amount.
2. Choose the minimum repayment limit of the credit card, so as to ensure that the personal credit record will not be affected, and there will not be too many late fees. However, it is important to note that the minimum repayment amount must be paid in full, otherwise you will encounter a high late payment fee.
3. After the credit card has been frequently used for half a year, you can actively submit a written application or adjust the credit line through the service phone, which requires bank approval. Under normal circumstances, after reviewing the consumption records and credit records, your credit limit will be improved to some extent.
4. After the temporary credit line is increased, the part actually used exceeding the original credit line will be added to the minimum repayment amount of the next statement. There is no extra charge for the overused part, but you can't enjoy the convenience of revolving credit. Please pay off in one lump sum on the due repayment date.
Baidu encyclopedia-credit card limit