1. After holding the card for a period of time, you can apply for increasing the credit limit by speaking on our customer service hotline, logging in to online banking or calling the customer service hotline. We will apply for it for you according to your past card use.
2. Or when your economic level has improved to a certain extent, you can also provide us with relevant certificates (such as real estate, automobile real estate, savings certificate of China Merchants Bank, etc.). ), fax (02 1-38566200) or mail the financial proof that you didn't provide before applying for the card, including a copy of the real estate license (the real estate license must contain the name of yourself or your spouse or minor children), and the relevant departments will re-examine it according to your new information.
3. Log in to credit card online banking (popular version and professional version), account management-account quota management-quota adjustment-apply for quota increase. After the application, it will be reviewed according to your card usage. If you download the Pocket Life, you can use the card * to manage the payment limit.
The credit card opens the cash advance function, and the money can be transferred to your own bank or other bank debit cards in real time through the Pocket Life APP, the mobile banking APP(Pad Bank), online banking and customer service telephone voice system. There are also handling fees and interest:
Handling fee: The handling fee for domestic RMB cash advance is 65,438+0% for each cash advance, and the minimum fee is 65,438+00 RMB; The handling fee for overseas cash advance is 3% of each cash advance, with a minimum charge of USD 3 or 30 yuan RMB (USD 5 or 30 yuan RMB for American Express Card-Centurion Black Gold Card and American Express Card-Centurion Platinum Card). There is no inter-bank handling fee for cash advance.
Interest: Cash advance does not enjoy interest-free repayment. From the date of cash advance to the date of settlement, interest will be charged at a daily rate of 0.5 ‰, with compound interest on a monthly basis.