How long does it usually take to increase the Bank of China credit card limit?

The approval time for temporary increase in credit card amount of Bank of China usually takes about 2 hours, and the details will be subject to SMS notification.

The above content is for your reference, please refer to actual business regulations.

How long does it take to get the result of a credit card limit increase application?

Generally, credit card results will be available 2-7 days after applying for a limit increase. You just need to wait.

The process of increasing the credit limit:

1. The credit limit can be adjusted to 500 yuan if the cumulative consumption is more than 500 yuan (inclusive) for no less than 3 months after opening the account;

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2. The credit limit can be adjusted to 1,000 yuan after reaching the 500 yuan credit limit for no less than 3 months and the cumulative consumption is more than 500 yuan (inclusive);

3. Increase the credit card consumption limit , the credit limit can be adjusted to 2,000 yuan after reaching the 1,000 yuan limit level for no less than 3 months and with cumulative consumption of more than 500 yuan (inclusive).

Tips: If the cardholder's limit is insufficient and the above conditions are met, the cardholder can submit application materials for increasing the limit to the bank. After the review is completed, the bank will take the initiative to increase the limit for the cardholder.

Types of credit cards

According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards.

According to the different objects of issuance, it can be divided into corporate cards and personal cards

Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal organizations.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income.

According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits.

According to different repayment methods, credit cards can be divided into credit cards and quasi-credit cards

Credit cards. When the card-issuing bank provides bank credit, it is first used as an overdraft, and then repaid or paid in installments. Most of these cards are used internationally.

Quasi credit card. It is a credit card issued by a bank that allows you to deposit money first and spend later.

According to the different circulation scope of credit cards, they can be divided into international cards and regional cards

International cards. An international card is a credit card that can be used outside the country of issue and is accepted worldwide.

Regional card. A regional card is a credit card that can only be used within the issuing country or within a certain region. Most of the various credit cards issued by commercial banks in my country are regional cards.

How many months does it take to increase the limit of a credit card?

It takes three months to increase the temporary limit of a credit card for the first time, and it takes six months to increase the fixed limit.

But it mainly depends on our card usage and personal credit and debt situation.

When you raise the limit for the first time, it is fine as long as you use it and repay it on time and there is a certain usage rate. If you think the limit is low and you leave it untouched, that’s definitely fine.

Later, we need to pay attention to diversified consumption. Use the card wherever you can use it in daily consumption. Then the choice of the machine is also very critical. The code jump is the most affecting the limit increase. There is no need to max out the card limit, set aside about 20, don’t pay the minimum repayment, increase your income, and let the bank trust cardholders.

How long does it take to increase the limit of a credit card?

Some banks can apply to increase the limit immediately after placing the card, while some banks require cardholders to hold the card for more than 3 months or 6 months. You can apply for a limit increase for the first time only after the card is issued. Please refer to the rules of the card-issuing bank for the specific limit increase time. The following are the credit card limit raising times of each bank:

1. Bank of China can only raise the credit limit once a year.

2. Agricultural Bank of China needs to hold the card for more than 6 months to raise the limit for the first time. After that, the limit can be raised once every 3 months.

3. You can apply for a limit increase after placing the card at ICBC. Normally, you can apply for a limit increase every 3 months.

4. To increase the fixed limit of China Merchants Bank, you need to hold the card for 6 months.

5. The credit limit can be increased 3 months after the Ping An Bank card is issued, and another 3 months will be required to increase the credit limit.

6. The first credit limit increase is when the Industrial Bank card has been held for more than 6 months.

7. You can apply for the first limit increase 3 months after the Guangfa Bank card is issued, and the next limit increase requires an interval of 6 months.

8. Bank of Communications and China CITIC Bank do not support active application for limit increase, and the bank needs to assess the limit before increasing the limit to the customer.

Extended information:

In fact, the credit card limit is specifically reviewed by the bank through the comprehensive score of the card applicant and the credit card level. If it is the first time to apply for a credit card, the limit is generally not very high.

Credit cards are generally divided into three levels: ordinary card, gold card, and platinum card. The limit range is roughly: regular card limit: 3,000 yuan to 10,000 yuan; gold card limit: 10,000 yuan to 50,000 yuan; platinum card limit: more than 50,000 yuan.

The highest credit limit of a credit card can reach more than 1 million, while the lowest limit may also be "zero". Credit card limits are divided into fixed limits and temporary limits. Generally, the temporary limit is increased once every three months, and the fixed limit is increased once every six months. The limit can be raised from a few thousand to tens of thousands. There is no fixed limit, and the level of credit limit has a lot to do with a person's personal qualifications.

If you use your credit card well, it will not only increase your limit quickly and give you high rewards, but it will also be helpful for applying for credit card reserves/cash installments, etc.

1. Use credit cards to spend as much as possible

Use credit cards to spend as many times and as much as possible. Generally speaking, the total amount of consumption within six months should be at least 30, so that you can It proves that the cardholder uses the credit card frequently and has high loyalty to the bank. The bank's credit card center will adjust the limit based on your credit card utilization and repayment history.

2. Consumption use should be diversified

When using a credit card, do not increase the limit just for the sake of increasing the limit, and do not let the bank feel that you are suspected of cashing out or maliciously swiping the card, so it cannot be fixed at Instead of swiping your card somewhere, you have to spend money frequently in different consumption scenarios and at different POS machines. It is recommended that you make more transactions with your card at merchants that have points. In addition, different types of merchants should be swiped as much as possible. For example, after a few catering transactions, you can swipe merchants in shopping malls and supermarkets to maintain transaction diversity.

3. Repay in full and on time to avoid late payment fees

After using a credit card for consumption, make sure to repay in full and on time before the monthly repayment date. Once the payment is overdue, not only will you have to pay a high late fee, but it will also create a bad credit record, which will affect future credit card applications. If you cannot repay in time, you must call the bank's customer service hotline in advance to explain the reasons to the manual customer service and apply for a grace period of a few days. Currently, most banks can grant a grace period of 3 days, among which China Guangfa Bank and China Construction Bank can grant a grace period of 5 days.

4. Do other things besides consumption

For banks, the income from credit card consumption is not the most generous. The most attractive income is cash withdrawal and installment. Therefore, in addition to normal consumption, you can make appropriate installments and cash withdrawals to make the bank profitable, which can increase the probability of raising the limit.

5. Dormant Suspension

If you intend to deactivate a credit card for a certain period of time, banks will provide certain incentives for the activation of dormant cards, such as bonus increases.

How long does it take to apply for a credit card limit increase?

Answer: 1. If you have not increased your credit limit before and have a good credit record, you can apply for a credit limit increase after using the card for 3-6 months.

2. If you have already raised your credit limit once, the ability to raise your credit limit again will depend on your usage: If you consume frequently and repay your debt promptly, you can still apply for a credit limit increase one or two months after the credit limit is raised. If your daily consumption is average or very rare, it will take a longer time to raise the limit again, possibly several years. Because one of the bank's criteria for raising the limit is the number of times the cardholder swipes the card. The more times the card is swiped, the greater the help for raising the limit.

: Little knowledge about increasing credit card limit:

1. The prerequisite for applying for a temporary limit is good credit and no overdue record.

2. The temporary quota can reach up to 50 of the fixed quota. In case of major holidays, it can be increased by 20 on the basis of (fixed quota of 50 and temporary quota), with a total of up to 80.

3. If you have never used a temporary quota before, and the proportion of the quota you usually use is not high, then the first application may not necessarily give you a high quota at one time, or may even not be given to you temporarily. tune.

4. The temporary quota can also be withdrawn in cash, and the down payment can be made in installments (However, the 20 temporary quota adjusted during holidays is generally not withdrawn in cash. But I have withdrawn it before.)

5. Temporary The quota is valid for up to 30 days. If it has not been used up by the expiration date, you can continue to apply. For example, if you apply for a temporary quota of 50, but only use 20 before it expires, you can continue to apply to get back to 50 until the remaining 30 is used up).

6. If part of the temporary quota applied for is not enough, you can continue to apply until it is close to 50.

7. After the validity period of the temporary limit expires, the limit will be restored to the original limit, and the used temporary limit (the portion exceeding the fixed limit) will be included in the minimum repayment amount of the latest bill. Don’t forget to repay!

Tip: The standards of each bank are slightly different, but if you follow the above method, the probability of raising the limit will increase!

This is the end of the introduction about how long it takes to increase the credit card limit and how long it takes to pass the credit card limit increase. I wonder if you found the information you need?