A premise:
This premise means that your credit card must be used for at least 6 months to qualify for withdrawal. Of course, some banks have lower requirements, and it only takes three months to apply for withdrawal, which is a hard condition that you must meet before applying for withdrawal. It is also an observation and evaluation period before the bank raises the amount for you.
For details of line 14, please refer to the withdrawal schedule of line 14, and how long each bank can withdraw fixed and temporary funds.
Binomial law:
That is, the bank's two evaluation criteria for your credit evaluation during the observation and evaluation period:
First, prove to the bank that you have certain spending power.
If you want to prove to the bank that you have enough spending power, you must start from the following two aspects:
1. Consumption frequency: more than 15 times per month.
Wherever you can spend money by credit card, you should swipe your card decisively, whether it is a large amount or a small amount. Even if you go to the supermarket to buy a bottle of mineral water, the more merchants you spend, the better, such as supermarkets, department stores, pharmacies, high-end restaurants, KTV, hotels, air tickets, entertainment clubs and leisure centers. Even overseas shopping consumption must be covered as long as conditions permit. Bottom line: Like a bank, we fully prove that you are rich. If you are an intermediary to raise cards for others, the focus is on simulating real consumption, which can be used as a reference and has great practical significance!
2. Consumption amount: 80% of the quota.
Credit cards generally have spending limits and cash withdrawal limits. It is safest for us to try to control the amount of credit card consumption to 80% of the consumption limit every month. Of course, it's ok to have your card maxed out occasionally, but there are two points that need special attention:
(1) Spend at least 10 times a month.
(2) The single consumption amount cannot exceed 90% of the total amount.
If the above situation occurs for three consecutive months, it will be automatically deducted by the People's Bank of China, and the consumption function of the card will be suspended for the second time. If you swipe your card on a pos machine without points or rates for three times in a row, the card will be blocked or the limit will be reduced to 1 yuan. Don't think I'm talking nonsense here. You can try if you don't believe me. I believe you will learn something from a pit, unless you are smart enough to learn valuable experience summarized by predecessors!
Second, prove to the bank that the funds used by the card are safe and secure.
To prove this, you need to repay in full and on time before the repayment date of each month.
Credit cards need to be repaid every month from the second day of the billing date to the last repayment date. The repayment amount must be as full as possible according to the amount on the bill. Of course, it is also helpful to pay the bill in installments occasionally, but in most cases, it is recommended to pay in full. Never pay the minimum repayment. Once you use the minimum repayment amount, the bank will think that you have no money. Imagine a man without money. Will the bank lend you more money?
But in order to achieve the above two points, we need to spend on various occasions, and we must all be high-speed machines with integral, and the consumption amount is almost critical.
This is bound to cause more than 90% card friends to have the following two major problems:
1, expenditure is greater than income, resulting in income loss.
Some people spend money on high-end occasions at all costs in order to simulate the consumption of real scenes, but they don't live within their means. Considering the consequences of high consumption, they were under great economic pressure when they finally repaid. Instead of raising the amount, they become slaves.
2. The maintenance cost of the card is too high.
Others, in order to increase the quota, go to various intermediaries after the card is maxed out, and spend huge sums of money to let these intermediaries help them raise their cards. The consequences of this are:
1) Your card is used by some intermediaries in some pos machines or even capping machines, and there is no score. After a long time, the direct result is that the card is downgraded or even blocked.
2) It is necessary to find multiple intermediaries to maintain credit cards on different high-rate pos machines, resulting in a high cost of maintaining cards every month, which is not worth the candle.
Is there a method or strategy that can simulate the consumption of real scenes and reach the standard of consumption frequency and amount without paying a high monthly card maintenance fee, so as to easily and quickly increase the credit card limit? Also, how to be an intermediary to raise cards for others?
Of course, the answer is yes. I have updated a lot of articles on raising cards before. You can read the previous article and update some detailed operation steps for you later, so stay tuned!