1. Adjust the credit limit through high-frequency and high-rate credit card swiping
For example, the credit limit of your card is 1,, and it is not overdue, and the credit limit has been 1,. It hasn't been adjusted for 3 months. The code is operable. You can pay more, then use a high-rate machine to swipe your card frequently, and then pay the outstanding bill in stages. After all the accounts are entered, 8% of your card can be adjusted. If it doesn't work, the limit can be adjusted when 1% of the current bill comes out.
2. Intermediary play of China Merchants Card
Intermediary play mainly involves raising the fixed amount in a short period of time. For cards with a fixed amount of more than 1,, the cash installment amount is raised through intensive care cards with a maximum of three months, and the direct cash installment is fixed to 6, fixed and 5, temporary. For China Merchants Card, the maximum consumption should not be less than 25 per month, and the amount of a single transaction should not exceed 1,. If you brush the capping machine, you will spend it in stages immediately, which will not affect the comprehensive score. More ways are used, such as installment, cash advance and cash installment, in order to send money to the bank and increase the comprehensive score. Generally, bills are mainly used in installments, and the bills come out to make bills in installments, which are divided into three periods. Three issues is the most cost-effective number. The amount of money should not exceed 3% of the total consumption in the current month, and should not exceed 5% at most. Advance cash can be done properly, but the investment promotion system changes greatly, so the two comprehensive scoring methods of advance cash and cash staging should be used with caution.
3. Technology of increasing the temporary amount
When the credit card holders of China Merchants Bank occasionally need to temporarily increase the credit limit due to insufficient credit limit, they can directly call the customer service phone of China Merchants Bank to request to increase the temporary credit limit. China Merchants Bank credit card temporary limit promotion conditions generally require holding the card for more than 3 months. At present, China Merchants Bank is the fastest among the issuing banks to increase the temporary quota. It can be approved at that time and can be used immediately after approval.
1. Call the customer service directly and ask for temporary assistance. Customer service will cancel your quota and reapply.
2. Go to the website, cancel the temporary quota, and then reapply. However, the conditions for the temporary cancellation and reapplication are as follows: First, the billing date has just passed, and the minimum has been paid. Second, recent consumption is relatively strong, and credit card consumption is frequent.
The temporary quota can be adjusted to 1-3 times of the fixed quota. If the customer service doesn't agree, you can ask to be transferred to the supervisor, saying that you need to decorate, travel and other reasons. If the supervisor doesn't approve, you can be relatively tough. If you can't apply for a fixed quota, you can reapply for a temporary quota before it expires (1% will pass), then the time will be recalculated for another month, and then you can call to add a temporary quota! This means that there is no difference between the temporary quota and the fixed quota, and you can use it for a long time.
4. Strategic increase
1. Spend 15 times a month; 2. Pay the minimum monthly repayment; 3. You need to withdraw cash 2 to 3 times a month; 4. It is appropriate to make a small installment; 5. You can choose to properly participate in the donation of Hong Kong dollars; 6. China Merchants Bank's automatic withdrawal system calculates the automatic withdrawal time period for automatically screening customers at regular intervals.
China Merchants Bank has four credit card withdrawal methods. Generally speaking, it can keep more than 2 credit card swipes per month in the past six months, and it is best that small consumption accounts for the vast majority to meet the bank's requirements in this regard. In addition, if China Merchants Bank takes the initiative to raise the amount, it is better to say that consumption abroad will increase the amount of US dollars. In fact, when your amount of US dollars is increased, your amount of RMB is also increased.