1, credit history is the most critical.
No matter what state the credit card is in, it must be repaid in full and on time. If you leave a bad credit record, forget about withdrawing cash.
2. Credit cards should be diligent.
On the one hand, the number of swiping cards can show the activity of cardholders, on the other hand, it can generate income for banks. For those who use cards diligently, banks are naturally willing to give higher quotas.
3. The amount won by credit card
Imagine: you can't use up all the money the bank gives you, and it's a waste to give you any more money. Therefore, in order to prove to the bank that your credit limit is not enough, you may wish to concentrate on buying large items, and it is best that the monthly bill amount accounts for more than 70% of the credit limit.
4. Continuous consumption
Bank credit card fee income is uninterrupted and stable. Cardholders may wish to swipe their credit cards once a month at will, and the amount is not limited.
5. Regular installment payment and multiple cash withdrawals
Credit cards pay fees by installments and interest by cash withdrawal. People who often do this, you are taking care of the bank's income, and the bank will naturally take care of your "quota".
6, a wide range of consumption types
Whether the consumption type widely shows the level of consumption power, banks with high consumption power will definitely be happy to give you a quota. Necessary consumption includes restaurants, supermarkets and shopping malls, while unnecessary consumption includes gas stations, hotels, KTV, air tickets and overseas shopping. Don't forget to swipe your credit card anyway.
7, customer service calls should be made more.
After using the card for 6 months, take the initiative to call the credit card customer service center to ask for the amount. It doesn't matter if you are rejected, you will stick to it. Sometimes different customer service, its processing results are different.
8. Ordinary temporary withdrawal
When the estimated quota is not enough, you may wish to call the credit card customer service center in advance to apply for a temporary quota. Over and over again, in the bank's view, this person's spending power is really high. If you want to increase the quota afterwards, it must be appropriate.