Let me share my personal experience. Guangfa Credit Card has a system rating: the bank checks the cardholder’s consumption bill for each period to evaluate the cardholder’s spending power, contribution, whether the card is used in a standardized manner, and also Comprehensive score given by payment ability, etc. Generally high-quality rating, you can see the recommended limit in Guangfa APP every 6 months and apply for a limit increase. You need to standardize the card use and limit increase skills:

1. The number of purchases. Use 20-30 Pens are the best, pay attention to quality, never swipe cards just for the sake of swiping cards. Diversify your bills. Let the bank think that you have good spending power. The bills are mainly swiped by cards, supplemented by online payments. Try to spend 50-80 RMB each month. , to withdraw spending power. Never swipe cards at the same merchant all the time, and don’t use the entire limit in one go - beautify the bill and prevent bank risk control.

2. The bank contributes in installments, when the card limit is small When there is no need to make installments, the quota is usually occupied. When the quota is high, you can use GF Telemarketing Installment to increase the bank contribution in appropriate installments. This is also a necessary condition for reaching the 200,000 quota. Remember to repay the full amount every month and avoid minimum repayments.

3. Pay more points to merchants. Spending by card at merchants without points will only harm the card. Thousands of dollars in electricity, gas, and gas bills must be risk-controlled.

4. Use temporary limits appropriately. Only with a temporary limit can you have a fixed limit in the future. Using the temporary limit is also a reflection of your spending power. But don't be stuck in the card state for a long time, that is, if the limit is full. Keep 10-30. A high long-term debt ratio is also an important factor that hinders the limit increase.

5. Personal total credit. Since the end of 2018, banks have improved risk control credit cards. It is not that the posture of using the card is wrong, but that the personal income ability cannot keep up with the speed of credit card limit increase (this is true, using the card (4 withdrawals per year if good). You can do proof of assets, and it is not a dream to raise the limit of Guangfa Card to 500,000. (That is, you can’t use it all)

If you want to increase your credit card limit, you must maintain good card usage habits. , maintain good credit, consume reasonably, and avoid cashing out. Of course, there are some tips to increase the limit. I share them with you. I hope they will be useful to you.

First, don’t keep your credit card empty for a long time. Leave a little balance in it. Banks like to lend money to rich people. If your card is empty for a long time, the bank will think that you are short of money and will pay more attention to you.

Second, open a credit card corresponding to a debit card and put a little money into it. It is best to put money into it every month. Of course, it is better to deposit regularly as it is more conducive to raising the amount.

Third, don’t apply for credit cards frequently. In other words, don’t check your credit information frequently. Nowadays, technology is advanced and inquiries are recorded. If you do it frequently, you will be considered to be short of money!

Fourth, consume reasonably, don’t cash out, and don’t max out your card frequently. This is the most basic way to increase your credit limit. Furthermore, provident funds and social security must be paid.

To increase the credit card limit, arrangements must be made from four aspects.

1. Good construction of your own credit

From quota approval to later quota increase (post-loan management part), your personal credit report is the basis for evaluation. , therefore, it is very important to ensure that your credit report is good.

Including on-time repayment, timely performance of contracts, etc., are very important. If it is overdue every month, raising the limit is just wishful thinking.

2. The consumption limit must be reasonable

If your card is approved for a limit of 50,000, and you spend more than 49,000 every month, then the bank will charge you Every transaction is reviewed in a timely manner. Those card transactions that are suspected of POS cash-out and do not match the consumption level can easily lead to derating or even card closure. This is what we need to pay attention to when using cards.

3. Handle installment and other business appropriately

Sometimes banks will launch interest-free or low-interest installment activities. In this case, you can find opportunities to participate occasionally and repay the loan on time. , showing your normal consumption desire and repayment level will also be helpful to increase the limit.

4. Supplementary materials

Owned vehicles, houses, etc. in your name can be used as supplementary materials and submitted by the staff to the credit card center for a limit increase. , time deposits, financial management and other items held can also be used as a type of auxiliary materials.

Have you learned the above four tips for increasing your quota? If you have any other tips for increasing your forehead, please share them in the comment area!

Hello friends, if you want to increase your credit card limit, in addition to having real strength and repayment ability, and a good credit report

it is also very important to use it in compliance with the rules. It can play a very good role in increasing the quota. Let’s share some experiences on increasing your credit card limit.

First, you must prove your strength.

You can add your personal information at any time when applying for a credit card or after applying. For example, real estate, vehicles, patented technologies from other income sources, personal professional competency certificates, etc., all play an important supporting role in assessing the amount of improvement in personal credit card repayment ability.

Summary: A rising tide lifts all boats. Improving supplementary information and relevant asset certificates will be a good auxiliary reference for increasing the quota.

Secondly, reasonable and compliant use can effectively promote the increase of GF credit card limit:

1. Use it frequently. The limit of a credit card has a lot to do with the needs of the user. A person who has the ability to repay, if he needs and uses a credit card very much, will play a big role in promoting the increase in credit limit. It's a good way to use your credit card frequently for purchases.

2. Diversified consumption and diversified consumption locations. People's needs are diverse, and the places of consumption are not fixed. They often use credit cards for diversification and multiple purchases, rather than a single fixed consumption, which makes it easier to increase the credit card limit. If it is just a single fixed consumption, it may affect the increase in the credit card limit: it will make the bank suspicious, whether it is suspected of cashing out by swiping the card.

3. Appropriate staging. Installment is a regular repayment behavior. Appropriate installment and timely repayment will effectively promote the increase of the credit limit of Guangfa Credit Card. One is that those who repay on time have a good credit, and the other is installment, which shows that the demand for and loyalty to credit cards is high.

Summary: Complying with laws and regulations and good credit card usage habits will help increase your credit limit.

In summary: Making good use of credit card rules and optimizing consumption will not only make life more convenient, but also help cardholders establish good interaction and mutual trust with the bank, in view of the bank's evaluation.

This will promote the further increase of personal credit card limit.

Friendly reminder: There is a good shortcut to increase your credit limit. Try to participate in bank credit cards, various points activities, etc. This is the purpose of the bank to guide consumption and to be more proactive with cardholders. interaction.

It has a very good promotion effect on increasing the amount.

It is difficult to increase the quota in the context of big data! A bank is not a charity. If you want them to lend you money, including credit card limit increases, they only look at two things: your spending power and your repayment ability!

Consumption power is easy to understand, which means diversifying consumption and using it in different consumption occasions, but now many people tend to use WeChat and Alipay for consumption!

Repayment ability means repaying the bill in time and not overdue after the bill comes out. And the most important thing is that you should have a deposit in your savings card account! If you have 500,000 in your account, the limit will be increased in minutes!

Other things like installment plans and financial management are just nonsense, just to make more of your money!

Targeted at Guangfa Card.

1. Use more than 30% of your credit card limit every month.

2. Bring some real purchases.

3. Small installment.

4. At least 10 purchases per month.

5. This is real experience, follow this operation and mention it every three months!

Hello, I am very happy to answer your question.

First of all, let’s expand a little bit from the perspective of applying for a card. If the qualifications are very ordinary, Guangfa prefers those with higher education. For banks, those with a college degree or above can choose Guangfa.

Then let’s talk about how to increase the credit limit of GF, because this year, most of GF’s cardholders have had certain merchants restrict consumption. So this situation is obviously under risk control. It can also be seen from this situation that GF is very concerned about diversified consumption. There are also flaws in GF. The merchants who consume must not have fake merchants, because GF was fined 720 million due to the problem of fake merchants. Therefore, if there are transactions from fake merchants, it will be further and further away from increasing the limit.

After talking about what GF must avoid, let’s talk about increasing the quota.

Through the analysis of big data, major banks are very fond of white-collar and gold-collar consumption methods. The limits of their cards generally increase very quickly. For example, small consumption can be placed between 11 a.m. and 2 p.m. At 13 o'clock, you can put aside holidays for large purchases.

Finally, let’s talk about the five elements of credit limit increase: card holding time, frequency of card swiping, ability to keep promises, diversified consumption, and overseas consumption. Just do 4 of these points, because overseas consumption is still a minority, and you can also shop online in Shanghai. Then avoid fake transactions. It is very simple to do more optimization to increase the quota.

I am very happy to help you answer this question. Although the risk control system of Guangfa Bank and Ping An Bank is relatively good, if you want to increase the credit limit of Guangfa Bank, there are still ways. It is simple for me. Here are some suggestions, I hope they can help you.

One: Use credit cards in a variety of ways.

When using a credit card, you must diversify your consumption. Whether it is luxury goods in high-end hotels or roadside kiosks, you can swipe as many cards as you can to keep yourself active. Diversifying your consumption information is the key to increasing your credit card limit. a key indicator.

Two: It is best to repay the balance in full as soon as the bill comes out.

When you swipe your card for consumption, a bill will come out. Try to repay it in full as soon as the bill comes out. If repaying the full amount puts a lot of pressure on you, you can do it in batches. Repay the loan, but no later than the final payment date.

Three: Occasionally perform staging when appropriate.

Even if you have the ability to repay the loan in full, the bank will call you to invite you to make an installment. If you feel that the installment interest is relatively high, you can make an appropriate small installment. After all, let the bank Once you make money, your credit card limit will be further increased.

Four: Do not use code hopping machines.

Many people use credit cards to make purchases, but some POS codes may be skipped. For example, if you make a purchase in Zhengzhou, but the bill shows a merchant from Nanyang, in this case the damage to the credit card will be greater. , so try not to choose machines with hopping codes for credit card consumption.

The above is my personal opinion on this issue, I hope it can help you.

Having worked in the Credit Card Center of Guangfa Bank for 7 years, I am quite familiar with Guangfa Credit Card. Last month, one of my clients originally applied for a card with a credit limit of 80,000, but in less than a year it had reached 137,000, which is really enviable. If you want to increase your credit limit on Guangfa Credit Card, the following points may help you.

First, consume more with small amounts. Guangfa Credit Card likes customers to spend more in small amounts, which is very important. So is there a certain measurement standard? In fact, there is. You probably make small purchases at least 15 times a month, which makes it easier to increase your limit. So how much does a small amount generally mean? Normally it is between tens and hundreds. It is easier for customers who meet this rule to increase their credit limit than those who only spend tens of thousands of dollars once or twice a month.

Second, repay the loan on time. Guangfa Credit Card does not allow time for repayment. As long as you do not repay on the repayment date, you will be considered overdue and your interest and liquidated damages will be calculated. Unlike other banks, such as China Merchants Bank, there is a three-day buffer period for repayment. It is recommended that you set up UnionPay inter-bank automatic repayment. Pay the minimum payment or the full payment on the repayment date. As long as you can insist on repaying in this way, you will not be far from raising the limit.

Third, all credit cards under your name cannot be empty. We must remember this. If one or two of your credit cards are empty, it means that your current economic status is very poor. China Guangfa Bank will not provide you with any limit, including your temporary limit. There won't be. So no matter how your credit card is, you must not leave a credit card empty with no limit.

Fourth, consumption cannot exceed 60% of the total personal credit limit. It's easy to understand, that is to say, if you have 1,000 yuan, you can only use up to 600. Anything more than 600 means that your economic status is very poor. So if you want to increase your quota, you must pay attention to this point. Many people will make this mistake. Ensuring that your total credit limit does not exceed 60 is a necessary condition to protect your credit card limit increase.

Fifth, appropriate staging. Guangfa Bank has many installments, such as bill installments, cash installments, bank installments, etc. The easiest thing to raise in daily life is cash installment. It is also commonly known as financial wealth. One tip here is that your cash installment amount should not be too high. Generally, it is more suitable to be within 5,000, which is conducive to increasing the amount. If the installment amount is relatively high, it will have a negative impact on the amount increase.

Summary: The above are the 5 suggestions I have given you today. They are specially proposed in response to the credit card problems of China Guangfa Bank. Customers who can truly achieve these 5 points will basically be able to increase their credit limit soon... I wish you to increase your credit limit. joy.

What should be done to increase the credit limit of Guangfa Credit Card? Many friends have sent me private messages asking this question. I have used my Guangfa card for a long time but the limit has not been released. Without further ado, I will answer it for you below.

In fact, every bank is similar. Below I will teach you a few tips on Guangfa Credit Card.

Why do many friends apply for GF credit cards? Of course, I think it is easier to increase the limit. Every credit card has a limit increase time. According to my research, the limit increase time for China Guangfa Card is every 3-6 months, but many friends have been slow to mention it. This is why You need to think about it, whether the posture of swiping the card is wrong.

1. Choose a good credit card machine

Here I must emphasize that you must have a good POS machine, otherwise the quota increase will be a fantasy. Why do you say this? Because many POS merchants are now fake merchants, and some have code hopping and jumping to different places. Many friends have privately messaged me about their own POS merchants who often pay thousands of dollars in supermarkets, gas stations, and even tens of thousands. In Baozi Shop, this kind of machine cannot be used, because the bank looks at your consumption records and will know that you are cashing out with just a quick check. Although banks generally turn a blind eye to cashing out, this is a hidden danger. Rules are not good if they are stated clearly.

2. Installment

Why installment? How to divide? There is also knowledge in this. First of all, installment can allow the bank to earn you some handling fees. Why does the bank apply for a card for you? It is just for your money. Of course, you should not pay too much in installments, otherwise the bank will think that you do not have the ability to repay. Any excess will be paid in full.

Third, use more credit cards for consumption

The bank gives you a credit card to allow you to spend. Use Guangfa Credit Cards more for consumption, because the card center of Guangfa Bank will determine the cardholder’s spending ability according to the cardholder’s spending ability. , to increase or decrease the limit based on the repayment record. The upper part has a good repayment record, and the lower part is consumption. Combining the two, if you were a bank, would you not increase the limit?

The above are my suggestions for everyone. You can refer to them. I will continue to share various card knowledge.