ABC has something called "recommended quota".

the amount raised by ABC is basically two steps.

first, give the recommended quota

and then convert the recommended quota into a fixed quota.

1. How to work out the "recommended quota"

The recommended quota is actually related to the internal system rating of ABC.

The system score is linked to a series of data such as your consumption behavior and business dealings with ABC.

here are some ways to use the card that are beneficial to the "recommended limit" for reference only.

1. Wholesale supermarket merchants are not welcome. Although this kind of merchants have unified the rates since 1996. However, the scoring system within the bank is estimated to be treated differently.

2. Welcome catering and entertainment merchants. By the same token, this kind of merchants bring the bank as much income as others, but they are liked by banks. The simple truth is that catering and entertainment are consumer behavior, and wholesale purchase is business behavior.

3. Cash withdrawal by credit card is not welcome. Cash withdrawal costs are high, and ordinary cardholders rarely use credit cards to withdraw cash. Therefore, taking the current behavior will affect your comprehensive score, which is completely wasteful and thankless.

4. Buy wealth management and run away. As a state-owned bank like Agricultural Bank of China, the independence of the credit card department is relatively weak, and the authority of branches and outlets is relatively large. The customer's performance in deposit, wealth management and other businesses is directly linked to the credit card scoring system.

5, don't freeze, consume more. I advise you not to play with frozen withdrawal. We old farmers don't buy it. Every bank likes customers who love consumption, and only consumption can bring benefits to banks. Although the risk control mechanism of ABC is relatively weak, Dacao still advocates diversified consumption.

6. Reserve space. Don't use up all the consumption quota. It is suggested that 2% of the consumption quota will be kept. Credit card consumption should be moderate, which means "strong spending power", and "tight capital chain" after it.

7. Never overdue. An occasional mistake will ruin all your efforts.

Many cardholders will ask how to check the recommended quota. There are many methods, such as customer service online banking. However, the recommendation of Dacao is still WeChat, which can summon customer service.

second, the "recommended quota" is changed into a fixed quota.

There are two ways to increase the quota: active application and automatic bank withdrawal. However, Dacao suggested that the customer service of ABC also suggested that we should take the initiative to apply.

once you have the "recommended quota", you can call the customer service department of ABC, and you will be asked to adjust the fixed quota when you connect with the labor.

Although the words are simple, there are several points that everyone should pay attention to.

first of all, there should be a 3-month interval between withdrawals.

after adjusting the fixed quota, you can apply again after 3 months. The first withdrawal is usually 6 months after the card is issued.

The recommended quota of Dacao this time is 15,, but only 99, has been applied, leaving a recommended quota of 6,. But in this case, it is basically useless to apply again.

secondly, the 1, quota is a barrier.

if the credit card of ABC exceeds 1, yuan, there will be manual intervention.

in order to avoid unnecessary interference, dacao suggested that the application amount should not exceed 1,. Therefore, Da Cao himself will choose to adjust to 99,.

last year, I helped my family to apply for a fixed amount adjustment of 8, yuan. The customer service said that it would be transferred to manual review, but it was not approved in the end. Apply for adjustment this year, and seconds will pass on the customer service phone. I guess the policy of ABC has changed.

if you manually intervene in the audit, you don't have to mention the amount. Some netizens even reported that they reduced his credit card.

third, choose the right time to apply.

The recommended quota of ABC is updated every month. Some netizens claimed that ABC was updated on the 14th. Please refer to it.

if you arrive three months ago, but the recommended quota is only a few thousand, I don't recommend you to apply immediately.

You can improve your comprehensive score by managing money smoothly or diversifying your consumption. Wait until the recommended quota is high next month, and then apply for adjusting the quota.

Third, the temporary quota cannot be increased as the cardholder wants, which usually refers to a fixed quota, but some cardholders will apply for a temporary quota. Temporary quota within 5, can be applied directly on WeChat. The rules for adjusting the temporary quota of ABC are as follows:

1. During the period of using the temporary quota, you cannot apply for a fixed quota.

2. after the expiration of the temporary quota, you can apply for the temporary quota again after an interval of one month.

3. After the temporary quota expires, you can apply for a fixed quota only after an interval of 3 months.

if you are not in a hurry to spend, dacao does not recommend applying for a temporary quota. Because this will disrupt and delay the pace of promotion of fixed quotas.

iv. other withdrawal strategies

1. cash installment. Now all major banks are pushing the cash installment of credit cards. It is said that every branch of Agricultural Bank of China has cash installment indicators. Some outlets will link the cash installment amount with the credit card withdrawal. If you are interested, you can go to the nearest ABC outlet for consultation. If the situation is true, try it. The installment rate of ABC is still relatively favorable.

2. insufficient balance. Many unscrupulous intermediaries love to play this game, knowing that the balance is insufficient, deliberately going to restaurants and entertainment places to spend, and the result is that the credit card fails. This is easy to trigger a temporary adjustment. Some banks will buy this set, and it will be effective to try more.

3. Offline feeding. There is a card friend who tries to save trouble and apply online. As a result, it has become the 5 party of the Agricultural Bank of China. If the starting point is too low, the process of raising the amount will be very long. If you have hardware, it is recommended to go to the outlet to manually enter the parts. Agricultural Bank of China has many outlets and it is easy to find acquaintances. I don't know anyone, so I hit them with bricks. Find a president to recommend it, and it is estimated that the amount will not be bad.