How to increase your credit card limit as quickly as possible can use these methods

Many people usually use credit cards for consumption, but when using credit cards, many people want to have a higher limit, then How to increase credit card limit fastest? What method would you use to increase your credit card limit? Here are some ways to quickly increase your credit card limit.

If users want to increase their credit card limit as soon as possible, they should use credit cards as much as possible to make purchases, and they should try to diversify their credit cards, that is, they should use them in all scenarios. Such as convenience stores, shopping malls, movie theaters, restaurants, clothing stores, etc.

If you want to increase your credit card limit, you must ensure that you repay the loan on time. Overdue repayment is not allowed, because penalty interest will be generated after overdue repayment. The longer the time, the more penalty interest will be generated. The more. Moreover, banks will collect money after overdue repayment, which will have an impact on the normal life of individuals.

Users who want to increase their credit card limit can also occasionally use credit cards to repay in installments. Using this repayment method can allow the bank to make some money. At this time, the bank will like such users and will be happy to provide services to the users in the future. Increase the limit, but avoid using installment repayment for each period of bill. In this case, the bank will suspect that the user's repayment ability is insufficient.

Users who want to increase their credit limit can also provide proof of personal financial resources to the bank, such as provident fund, real estate information, vehicle information, deposit certificates, bank statements, etc. After the user submits these materials, the bank will provide proof of personal financial resources based on the actual situation. When increasing a user's credit card limit, the bank will make a comprehensive decision on how much to increase.

Users should not pursue high limits when using credit cards, because a higher limit may prevent users from paying back on time after swiping their cards. Usually the credit card limit is 2 to 3 times the cardholder’s monthly income. At the same time, ensure that the monthly consumption limit does not exceed 50% of the monthly income, so that you can ensure that the credit card debt is paid back on time.

How to increase credit card limit?

The ways to increase your credit card limit are as follows:

1. Swipe more cards. If you can use swipe cards, try to use credit cards. Wherever you can swipe cards, no matter how big or small the credit card amount is, choose swipe cards. Firstly, The credit card amount is relatively large, and the number of card swipes can make the bank feel that you are dependent on the credit card.

2. Appropriate installments. After the credit card bill comes out, you can make appropriate installments. The number of installments should not be too long, so that the bank can make money. It is also easy to increase the amount by making a few large transactions.

3. The credit card amount must be guaranteed every month. It is best to keep the credit card amount at about 40 of the total monthly amount. The more you brush, the better, you must be realistic. For example, you earn 4,000 yuan a month, but you spend more than 10,000 yuan a month. This is of course inappropriate. This will make the bank think you are in danger and worry about whether your repayments will be late.

4. Apply to the bank for a temporary credit increase, especially during holidays, it is especially easy to apply for travel reasons.

5. Repay the loan on time without any overdue payment. If you use the card normally, the balance will be raised after 3 to 6 months.

6. Bank installment business should be handled reasonably so that the bank can make some money.

7. The types of card swiping merchants should be diversified and try to cover more than 10 industries, such as shopping malls, supermarkets, hotels, restaurants, gyms, etc.

How can I quickly increase my credit card limit?

1. Control the number and amount of credit card swipes

Credit cards need to be swiped more often to increase the limit quickly. Banks also issue credit cards to make money. The handling fee for swiping the card is one of the important incomes of the credit card business. 1. Only by spending more money with your card can you bring benefits to the bank, and the bank will be willing to increase your credit limit. Therefore, cardholders who swipe their credit cards frequently and have a high proportion of credit card swipes in a single month are more popular with banks. Generally speaking, the number of monthly purchases of a card must be more than 30, and the amount of card swipes in a single month must exceed 60% of the total credit limit, so that the application for a limit increase transaction is approved.

2. Participate in more credit card promotions

In order to encourage cardholders, banks will launch credit card promotions from time to time, including discounts and cash rebates. Participating in these promotions can save cardholders money. Cost, so cardholders can pay more attention to the card issuer's official announcements or official WeChat, etc., to grasp first-hand preferential information and actively participate, so that they can not only swipe their cards to maintain their cards, but also save money.

3. Choose the right merchant to swipe your card

Not all merchants’ card swiping transactions can generate income for banks. Some merchants do not charge card swiping fees. So, in such merchants, By swiping a card, the bank does not get much benefit. Therefore, everyone should choose the appropriate card for consumption.

4. Don’t go to a card maintenance company

The so-called card maintenance companies are actually credit card cash-out intermediaries. They use POS machines to make fake transactions to help cardholders repay their cards and charge a certain amount. For handling fees, if you hire a professional card maintenance company to maintain your card, the cardholder will bear a lot of risks, including the overdue risk of not being able to repay on time, the risk of personal information leakage, and the legal risk of cashing out the credit card, etc.!

How to increase credit card limit

Quick way to increase credit card limit:

1. Spend as much as possible with credit card: After you apply for a credit card, spend as much as possible The more frequent the card is used for consumption, the higher the credit card user's loyalty to the bank. But the frequency should not be too high.

2. Use up your credit card limit as much as possible: It is best to use up the limit given by the bank every month, and make irregular large purchases, and then be able to repay normally. For these cardholders, banks usually Defined as high-quality customers, after judging whether the cardholder has a larger demand for a larger amount, the limit will be increased as appropriate.

3. Never incur late payment fees: Once you fail to repay on time, you will not only have to pay a high late payment fee, but it will also be recorded in the bank's credit system and registered in the central bank's personal credit report. In the system, this will not only affect your credit card application, limit increase and consumption, but also affect your loan application.

4. Proper use of temporary limit adjustment: Generally, 1-3 months after the credit card is opened, the credit card will prompt you with a temporary limit. If you repay the temporary limit after consumption, the bank will If you think you do have a high desire to consume and the ability to repay, it will be easy to increase your permanent limit.

5. U.S. dollar limit increase: If it is a dual-currency card, first deposit 100 US dollars for yourself, and then call customer service to apply for an increase. The reason is to go abroad and apply for an increase in the U.S. dollar limit. At the same time, the RMB quota has also been increased accordingly.

U.S. dollars can be directly deposited into ICBC online banking on the Internet. Click on credit card, currency USD, select foreign exchange repayment, enter 100 USD, and you can return the money from the savings card to the dual currency card into U.S. dollars. , the more dollars you save, the greater your probability of success.

6. Increase the amount of online precious metal transactions: Go to the bank's online banking, open an account in the financial investment section, invest funds, conduct transactions in it, pay a small handling fee, make a few transactions and call me to apply. I want to operate precious metals, but I don’t have enough funds. Please give me a quota.

7. Provide proof of financial resources: Provide real estate, cars, etc. Don’t be stingy with all types of assets and show them to the bank. Let the bank see your strength and show that you have a certain spending power and repayment ability!

How to quickly increase your credit card limit?

It depends on which bank you choose. Some banks make it easier to increase your credit card limit. Like China Merchants Bank. Moreover, you have to swipe your card frequently and repay it on time.

1. Choose the right bank, such as China Merchants Bank, which can increase the limit quickly and with a large increase. The key is that its temporary limit is sometimes higher than your fixed limit, so it can be used as a bank. Use a fixed amount! Really good! Bank of Communications is also good, you can handle it according to your needs.

2. Use your credit card frequently. Whether you are buying food in the supermarket, buying clothes, furniture, or home appliances, you can use your credit card. At most, you can just pay it back next month. In this way, your credit card will basically be used to the maximum every month.

3. You can make small installment repayments in a timely manner. The handling fee will not be much, but your limit will increase.

4. The most important thing is to remember to exchange money on time, and don’t have a record of default! If you have a record of defaults, all your hard work will be wasted.

5. Some banks allow you to log in online and adjust the limit, but some banks do not. In this case, you need to call the manual service yourself. Maybe it can be improved. Some people They will threaten the manual service and say that the card will be suspended if the credit limit is not raised. This is also a good method.

6. Shop for more hotels and restaurants. In this way, the credit card center can make money, and won't it increase your credit limit as soon as it is happy?

How to increase the credit card limit the fastest

The most effective technique for increasing the credit card limit

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1. Appropriately increase the consumption transaction amount. Generally, the basic requirement for credit card limit increase is that the total consumption amount within six months accounts for more than 30% of the total limit. If this condition is not met, it will be more difficult to increase the limit. Try to maintain a certain transaction amount every month. If conditions permit, you can spend more than 70% of the total credit card limit every month, which is very helpful for increasing the bank credit card limit.

2. Keep consumption types diverse. If you only use the same type of card for consumption, it is easy for the bank to suspect bad behavior. Therefore, the types of merchants should be as diverse as possible: shopping malls, supermarkets, gas stations, restaurants, Hotels, tourism, entertainment venues and other daily consumption places. Why try to be as diverse as possible? According to the bank's assessment, the more diversified the customer's consumption behavior is, the more stable the customer's consumption habits are; vice versa.

3. Actively consume overseas. This method is suitable for card friends who are at the "advanced growth" stage and above. Why do I say this? Because those who are "new to the world" must have average economic conditions and are basically unable to make frequent overseas purchases.

4. Make installments frequently and repay them in full. If you usually buy a large item and can't afford it for a while, you can choose to apply for installment. Although the installment is interest-free, you need to pay a certain handling fee to the bank. After giving the bank some benefits in this way, the speed of increasing the amount is as fast as a rocket! It doesn't take long to move from "entry level" to "moderately decent".

5. Increase the temporary quota and constantly ask for an increase in the temporary quota. For example, when your official quota reaches 50,000 and there are no bad records, you can try to apply for a temporary quota of about 80,000. Once the temporary limit expires and you repay it on time, your permanent limit can be applied to be increased according to this standard, and the chance of approval is higher.

Hidden rules for credit card installments

1. There are handling fees for bill installments. The more installments there are, the lower the installment interest rate. The installment handling fees vary from bank to bank. Whether the bill contains a bill that has been issued or a bill that has not been issued, and when applying for bill installment, the installment fee will be calculated based on the installment interest rate. Banks encourage cardholders to make installment payments. If there is no financial pressure, it is best to repay in full

2. The early repayment fee will still be charged. According to most bank regulations, once the credit card bill is Installment, if you pay the installment fee on a monthly basis, even if you repay the loan in advance, you still need to pay the fee for the remaining months.

3. There is a limit to the installment amount of the bill. Not all the consumption amounts in the bill can be installmentd. Generally, the installment amount of the credit card bill cannot exceed 90% of the new consumption in the current period.

4. Installment cannot be done with temporary limit. If the credit card has a temporary limit, installment business cannot be done. The temporary limit must be repaid in one go. There is no minimum repayment amount. Failure to repay will affect your personal credit score.

5. Bill installments do not affect personal credit scores. Bill installments do not affect personal credit scores. Only failure to repay or missing the last payment date will affect personal credit scores.

6. The types of installments are not limited to bill installments. In addition to bill installments, there are also cash installments, transaction installments, shopping mall installments, contract installments, and special installments. Cardholders choose different installment types under different circumstances and make reasonable allocations to find the most cost-effective way.

7. Bank customer service calls to sell installment plans are too annoying. Bank installment services are all outsourced. You can call the bank customer service yourself to cancel. Tell the bank that I will handle the installment plan myself, so don’t bother me all the time.

That’s it for the introduction on how to upgrade your credit card limit quickly.