1. Provide sufficient proof of funds when handling the card.
When applying for a credit card, you should provide personal financial proof as far as possible, such as income proof, bank deposit certificate, real estate certificate, car registration certificate, etc. The bank will evaluate the cardholder's assets according to these certificates. For example, if a credit card holder has a deposit in the Bank of Communications or is a civil servant, it will help the cardholder to obtain a good credit and also help to approve the next higher credit limit.
2. swipe your credit card as much as possible.
Bank of Communications will make a comprehensive evaluation based on the customer's past credit card usage. It is suggested that cardholders can diversify their consumption categories, such as household appliances consumption, catering consumption and supermarket shopping. According to your credit card usage and repayment record, Bank of Communications Credit Card Center will adjust the credit limit.
3. Ensure a good repayment record
After spending with Bank of Communications credit card, pay back on time before the monthly repayment date. Not only will you have to pay a high late fee, but you will also have a bad credit record, which will affect your application for credit cards in the future. If you can't repay the loan on time in case of emergency, you can call the customer service hotline of Bank of Communications at 400-800-9888 to apply for deferred repayment.