how to withdraw the credit card of ICBC? Brand-new effective small coup to raise the amount!
As the largest bank in the universe, ICBC issues countless credit cards, but it is not so easy to get a large card from ICBC. The most important thing is to increase the amount in the later period. In addition to the usual credit card, there are actually some tricks to raise the credit card of ICBC. Let's take a look!
1. ICBC Club members
If they want to withdraw the credit card of ICBC quickly, they can apply for ICBC Club members, and they can complete the credit card withdrawal in minutes by swiping the ICBC business friend card account into a double six-star. As for how to brush the double six-star, it can be achieved through multiple sales that win step by step.
2. swipe posture
ICBC's credit card withdrawal needs more swipes and more installments, which is similar to other banks. The amount does not need to be too high, and there is no minimum repayment. You can call to apply for withdrawal in a few months.
3. Brush the running water
It's also a good way to raise the credit card. If your credit limit is only a few thousand, you will be given tens of thousands at a time, and then brush them out separately. If this is repeated several times, the customer service will call you to ask about the situation, and you will say that the credit limit is too small to be used as a savings card.
on the one hand, it proves that you have sufficient economic strength, on the other hand, it also reflects your spending power and the demand for credit cards. Generally, ICBC will take the initiative to raise the amount for you.
the above is the method of ICBC's withdrawal for your reference. Credit cards mainly pay attention to the way of swiping cards. It is not difficult to develop good habits of using cards, repay on time and withdraw the amount. However, these methods are not very effective in raising the amount of high-value cards, and moving bricks will be more effective.
the fastest way to raise the limit of industrial and commercial credit cards
ICBC, which has the reputation of "Cosmic Bank", has always been a must-see bank for many cardholders. Although the credit card application threshold in ICBC is not high, the credit card quota is also very low. Its food cards have always been well-known in the circle. Many small partners have a card quota of no more than 5k, and there are even hundreds of users. So how to raise the amount of ICBC credit card?
First, the skill of raising the amount
1. Building a star rating
Card friends who are familiar with ICBC know that the most basic way to judge whether ICBC can raise the amount and realize a large credit card is to look at your star rating at ICBC!
Effective interest settlement, precious metals, wealth management, funds, fixed deposits, savings card spending, etc. can all enhance your star rating in ICBC. What if you can't meet the latter requirements? That Xiaobian teaches you one of the easiest ways, that is, to make overnight interest settlement flow. Even if you only have the liquidity in 1 yuan and only do ATM access a month, you can also have 2-3w interest settlement flow, which will enhance the star rating and the quota.
2. Appropriate installment
The purpose of issuing credit cards by banks is to make money. Therefore, you can properly handle installment to earn fees for banks and increase the success rate of withdrawal. At the same time, proper installment will also help ease the repayment pressure of users and avoid the occurrence of bad behaviors such as overdue. However, everyone needs to pay attention to the fact that the installment should not be too frequent. Generally, it can be paid off in three months according to 5% of the quota.
3. Financing e-borrowing amount
When we have financing e-borrowing amount in ICBC, and the financing e-borrowing amount is similar to the credit card amount, we can recycle financing e-borrowing, and make the bank increase the financing e-borrowing amount, and then level your credit card amount by applying for credit card withdrawal. If the withdrawal is unsuccessful, directly apply for the e-loan line, and then apply for the credit card withdrawal after the application. If it still fails, directly curve the second card, which can convert the e-loan line into a fixed amount of the new card, and then adjust the flat card line;
Second, the skills of raising cards
1. Spend about 15-2 bills per bill, and try to be diversified;
2. The total consumption of each bill should be controlled at about 7% and not more than 8%;
3. Small cards (within 3w) can be fully used, and 3% can be returned in advance to let the bank know that you have the ability to spend and repay. This will help to raise the amount, but it can't be done for a long time, only once in a while;
4. strive for special consumption for each bill, and go to the ICBC partner merchants offline to spend by credit card, which also meets the requirements of offline consumption.
How to improve the credit card limit of ICBC
There are three common methods to improve the credit card limit of ICBC:
First, brush the stars and improve the star rating
ICBC credit cards have a star rating. The more stars, not only help to apply for a large credit card, but also help to increase the amount; If you have a savings card in ICBC, you will have a star rating.
Second, the consumption withdrawal method
There must be at least 25 irregular consumption records every month, and the larger the credit card amount, the better, but don't swipe the card. Once it exceeds the limit, it will give the bank a bad impression of spending too much.
after three months, call to apply for a withdrawal, whether it is temporary or permanent, and it will be accepted. After the withdrawal is successful, after brushing the quota, you should call to apply for withdrawal and explain the withdrawal situation. It is best to explain the reasons why the quota is not enough, and keep applying for withdrawal by phone until you can't withdraw the quota.
III. Precious metal withdrawal method
Before this party uses it, it needs to open ICBC online banking, and at the same time, bind the credit card to the U shield of online banking, and buy more than 2, precious metal transactions. You can buy three pieces at a time for three days in a row. After almost 5 times, you can call the customer and ask for an increase in the fixed amount. The reason is simple, that is, you need to spend a lot.
Extended information:
ICBC credit card limit promotion needs to meet the following conditions:
1. ICBC credit card limit promotion requires users to activate it for more than half a year, and ICBC credit card holders can apply to the credit card center for withdrawal.
2. For the first withdrawal, you need to use the card for more than half a year, and it is normally used (generally, the average monthly consumption is required to be 3%/ or more of the limit), and there is no bad record in the last six months. Peony credit card has a fixed amount, and no adjustment service is provided.
3. In addition, the repayment credit status without bad records within six months is only the basic condition for ICBC to increase the credit card limit. Whether the withdrawal can be successful and how much the limit can be increased depends on the cardholder's monthly consumption amount and consumption type.