Before I talk about it, let me introduce the characteristics of Industrial Credit Card to everyone. Generally speaking, the credit limit of Industrial Card is more difficult. You can just use it casually. It is a bit useless. You can apply for "Suixing Loan", which is diversified. For consumption, the number of transactions should be large, and try to use merchants that cooperate with the bank, or industries that the bank prefers.

If you choose the intensive care card, that is also possible. When it comes to the advantages of Industrial Bank, there are two outstanding points: fast card processing and high credit limit.

Card maintenance limit

Xingye’s first withdrawal is after six months, and the limit is about 30%, and then every three months. Industrial Bank's cards require more real consumption and less use of machines. As long as you make real consumption, the Industrial Bank credit limit is not difficult.

1. Make the first payment

Many cardholders complain that they have used Xingye for several years without a credit limit. Xingye generally only gives credit to high-quality customers. The key to the credit limit is the first time you make a card payment. How to make the first payment in a month to leave a good first impression on the bank? Many people make the first payment with a card with a low rate or a low-end merchant or transfer funds. After half a year, they will no longer have a limit and can only cancel the card.

2. Issue high-quality bills

You don’t need to pay too much attention to gestures when swiping Xingye’s cards. As long as you have points for consumption, you can usually make between 10 and 20 transactions a month. Use more high-quality merchants. , high-end merchants.

In general, merchants with many and frequent bank activities are special merchants. The first transaction after placing a card must be with a high-quality merchant or participate in bank activities.

For example, Bank of Communications’ Wal-Mart, Minsheng’s Watsons, Xingye’s FamilyMart, Ping An’s RT-Mart, etc.

3. Installment method

Do not refuse the installment invitation from customer service. However, its installment is a bit special. Xingye pays more attention to the debt ratio, and the monthly card consumption should not exceed 60% of the limit.

Once divided into installments, if you use more cards, the debt will easily exceed 60% of the risk critical point, which will lead to a bad credit limit, so it is best to have a lower installment limit.

As long as you make installments, there will be temporary benefits, and you can get a fixed amount at the end of the installment. At the same time, repayment before the bill date reduces the liability rate, and there is no minimum repayment.

4. Hard power quota method

The most effective way for Industrial Bank to raise the fixed quota is financial certificates, real estate certificates, car certificates, large deposit certificates, etc.

Industrial Loan

Industrial Loan is called Suixing Loan. Generally, Suixing Loan is based on a credit limit. The advantage is that it can be transferred to a debit card. There is no special method for bank credit loans. Generally, they can only be raised through intensive cards.

Online intermediaries have circulated that Industrial Suixing Loan is forced to open. If you are interested, you can try it. The method is as follows:

Maximize the card –> Call to open Suixing Loan –> Lion Big Open your mouth. After success, it is usually divided into three installments > three months and the last installment is maxed out. If you do not take the initiative to get the limit, ask for Suixing Loan again!

The above steps can be repeated. After maxing out your card, tell the customer service MM directly that you want to apply for Suixing Loan. After registration, Suixing Loan staff will call you.

Industrial Multi-Card Overlimit Technology

You must have two or more Industrial Credit Cards. For example, you have 5 Industrial Cards in your name, and the fixed limit is 50,000. The Industrial Credit Card can exceed the limit by 5%, which means you can spend an extra 2,500. 2,500 is the card’s over-limit, but how can it exceed 2,500? ?

Then you cannot operate the card to exceed the limit. The total of 5 cards is called an account, which is the account over limit. Let’s take the limit of 50,000 as an example. If you consume 30,000, the remaining amount in the card will be 20,000. Under normal circumstances, the second card can get 22,500. You don’t need to get 22,500, just 22,000.

Then deposit some money on the first card, a few thousand is enough, and when you swipe it on the third card, swipe it together with the over limit. For example, if you deposit on 1 card 5,000. For the third card, you can spend between 6,000 and 7,000.

You can repeat the operation. In the end, your total overage limit will definitely be greater than 2500. The specific amount you can operate is not certain.

The limit for a single card means that a fixed amount of 50,000 will be paid out at 52,000. The account over limit is the total credit card account under your name, so what you do is the account over limit.