There are two ways to increase the credit card limit of ICBC. For more information, see the following:
1, ICBC credit card temporary limit adjustment
When using the ICBC credit card, if you find that the approved credit limit is not enough, you can call the 24-hour customer service hotline 95588 to contact the customer service specialist to apply for a temporary increase in the credit card limit. Generally, it takes at least 3 months to apply for a card before you can ask for an increase in the quota.
2. Adjustment of long-term credit line of China Industrial and Commercial Bank.
Cardholders can submit the latest assets or income certificates to any branch of ICBC and apply for them. ICBC will review its past card use history and repayment records, and adjust the cardholder's credit card limit after approval.
You can also directly call the local 95588 to apply for permanent adjustment after meeting the following conditions:
(1) The account has been activated for more than 180 days (inclusive);
(2) The card is in good condition and all repayments are made in time, and the status of the card and account is normal.
How to increase the limit of ICBC credit card (debit card)?
If the credit card (debit card) limit of ICBC is too low, you can increase the limit by the following methods:
1. Apply for a temporary limit: Applying for a temporary limit can quickly increase the credit card (debit card) limit, and timely repayment is conducive to adjusting the temporary limit to a fixed limit.
2. Spend more credit cards (debit cards): Use credit cards (debit cards) every month, and don't choose the minimum repayment amount. In a few months, ICBC will automatically add credit cards (debit cards).
3. Submit financial proof: After submitting more material proof to the bank, the bank will think that the cardholder has strong repayment ability, and thus actively increase the credit card (debit card) limit.
4. How much to spend: For example, the credit card (debit card) has a quota of 5,000 yuan, and the monthly usage quota is about 4,500 yuan, so that the bank will judge that the user has strong spending power and actively increase the credit card (debit card) quota.
Eight ways to withdraw cash from ICBC credit card
The first measure: consumption withdrawal method
Credit card spending more than 25 times a month, the better the amount, three days before the bill date, there are only a few dollars left, be careful not to exceed the limit. Then call to apply for cash withdrawal, on the grounds that the amount is too small and requires a large amount of consumption. If the withdrawal is successful, immediately call to apply for withdrawal until it is impossible to apply for withdrawal. Generally, direct withdrawal is a fixed amount. If it is a temporary line, please note that the temporary line is directly divided into three-month installments, and the three-month installment is 1 month. Then cancel the installment and the temporary amount will become a fixed amount.
The second measure: credit card brushing method
Deposit 50 thousand directly into the credit card, then swipe it out, save it again and then swipe it out. Apply for withdrawal after repeating it for 2-3 times, saying that the amount is too small to be used as a debit card. If the withdrawal is successful and repeated, if the withdrawal is temporary, refer to the first move to convert it into a fixed amount.
The third measure: credit card foreign currency repayment withdrawal method
Credit cards are dual-currency cards. Deposit 100 USD into the card first, and then call customer service to apply for withdrawal. The reason is to go abroad to apply for an increase in the amount of US dollars, and at the same time apply for an increase in the amount of RMB. USD can be directly deposited into ICBC's online banking. Click on the credit card and then click on the repayment currency-USD. Then, choose to purchase foreign exchange for repayment, input 100 USD, and you can deposit the money in the savings card. After the limit is raised, brush it out or change it into dollars.
The fourth measure: debit card foreign currency withdrawal method
Debit cards and credit cards are bound together (it is said that they are used for self-service repayment), and telephone customer service can bind them, and then exchange some foreign currencies (US dollars, Japanese yen, euros and other foreign currencies) from online banking and deposit them in ICBC savings cards. After 5-7 working days, you can call ICBC customer service to apply for an increase in the quota. When she asks about the purpose, you can say that consumption abroad needs to increase the amount, and the customer service will help you increase the amount immediately. After the promotion, you can change the foreign currency into RMB and take it out.
The fifth measure: precious metal extraction method
Open ICBC online banking: debit card, credit card is bound with U shield in online banking, and then debit card deposits about 2000 precious metals to buy paper gold. Buy 3 grams 50 times a day, and call customer service three days later to apply for an increase in quota, on the grounds of high consumption or decoration materials.
The sixth measure: pledge withdrawal method
Be sure to open a financial gold card debit card and deposit 50 thousand. Online banking operation is directly changed from demand to 1 year. Then, online loans will be made at the online banking point, and 50,000 time deposits will be selected as the pledge of online loan projects, so that 45,000 loans can finally be obtained. Then, the loan of 45,000 yuan will continue to be converted into a fixed term, and then it will be carried out again, so that another loan of 40,500 yuan can be obtained. Continue the cycle, 40500 turns regularly, and get 36450. Last time, I pledged 36,450 yuan on a regular basis and got 32,800 yuan. After this operation, the assets in your wealth management gold card, or E-Times card and Peony card are frozen time deposits 17 1500 and demand deposits of 32,800. Total assets: 54,500, 40,500, 36,400 and 32,800 = 204,755. After the above steps are completed, fill in the withdrawal application form at the branch where you opened the debit card, and provide your financial card debit card, ID card and credit card. Generally, the withdrawal is successful within 5 working days. Online banking will be released immediately after successful withdrawal. The interest on the pledge date is: 4.86% 154750/365=20.6 yuan/day. If the cost is calculated in 5 days, it is 103 yuan interest.
The seventh measure: the method of returning cards in different places
With the 1 credit card, you can directly change to another city and apply for a new card. To operate this trick, you must have a single gold card with a quota of more than 50 thousand. This is the most powerful move. ICBC can open 8 cards in different cities and brands, and the quota is not shared. Finally, all the quotas are combined into a platinum card. In the absence of any assets, the card with a maximum amount of 500,000 will do this, because the second card with 50,000 will not be lower than the original card.
The eighth measure: the system automatically upgrades and adjusts.
Of course, ICBC's official credit card system will also apply for your credit card, but only if the conditions for upgrading are met. If your credit status is good, you can spend more by using credit cards frequently. The most important thing is to repay in time. Then the system will help you upgrade automatically.
Let's stop here for the introduction of ICBC's credit card quota increase.