How to increase credit limit with Bank of Communications credit card
1. Do not cause the credit card to be overdue and ensure a good credit record.
2. Use more and occupy a higher limit as much as possible.
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The methods to increase the limit of Bank of Communications credit card are:
1. Use your mobile phone to call the Bank of Communications customer service hotline 400-688-4495, and then apply for a limit increase;
2 , log in to the Bank of Communications online banking, and then click on "Account Management—Account Line Adjustment—Fixed Line Adjustment—Application for Fixed Line Increase";
3. Download the Bank of Communications mobile APP "Bank of Communications" on your mobile phone, and log in Then select "Quota Management", then click "Adjust Fixed Quota", or you can select "Adjust Provisional Quota".
How to increase the credit limit of Bank of Communications credit card
How to increase credit limit of Bank of Communications credit card
1. The amount should be as large as possible, and the total consumption amount within half a year should be at least 30% of the limit. above.
2. Try to make as many purchases as possible, with an average of more than 10 purchases per month. If there are more than 20 purchases, it will be easier to withdraw money or withdraw funds.
3. There are many types of consumer merchants, such as shopping malls, supermarkets, gas stations, restaurants, hotels, tourism, entertainment venues, etc.
4. The smaller the amount of large purchases such as wholesale and house and car purchases, the easier it is to raise the limit.
5. The fewer online shopping, Alipay transactions and cash withdrawals, the easier it will be to apply for an increase in the limit.
6. The types of merchants that use credit cards cannot always be similar to the nature of the business scope of the company.
7. Re-apply for another Bank of Communications credit card. If the limit is higher than this, the two cards will be automatically balanced.
8. If the amount of large-ticket purchases from merchants is higher than your credit card limit, you can call customer service to request a temporary increase in your credit limit to facilitate timely consumption.
How to increase the limit on Bank of Communications holidays
1. The latest transportation method is to make more than 15 transactions on a weekend, and then call customer service to ask for an increase and ask you for the use. He said the quota was not enough. Needless to say anything else, the quota came up 10 minutes later.
2. How to raise the limit of Bank of Communications? Call and cancel the card. The customer service will tell you that you are a high-quality customer. A dedicated person will contact you in about 5 days, and then you can check the limit in a day or two. , you will find that the amount has been increased.
Transportation limit increase rules
1. Bank of Communications will determine the credit limit based on the information and credit status
provided by the cardholder when applying. The maximum amount the cardholder can use for overdraft consumption and cash withdrawal.
2. If you hold multiple credit cards issued by Bank of Communications, the maximum limit of the credit cards held under the cardholder's name will be used as the credit limit, not the sum of the credit limits of the multiple credit cards.
3. Bank of Communications credit card principal card and supplementary card*** enjoy the same limit. Bank of Communications Pacific Dual Currency Credit Card enjoys "one card with dual currencies (RMB and US dollars)", and you can enjoy credit limits for both RMB and US dollars.
Available limit of Bank of Communications credit card
1. The available limit refers to the unused credit limit of your credit card. The available credit will be reduced with each consumption and restored with each repayment.
2. The calculation method is as follows:
Available limit = credit limit - the unpaid amount that has been accounted for. For example: your credit card limit is 20,000 yuan, and the unpaid amount has been The credited amount is 10,000 yuan, and the used but unrecorded amount is 4,000 yuan, then your available limit at this time is 6,000 yuan.
Bank of Communications credit card cash withdrawal limit and restrictions
1. Bank of Communications credit card cash withdrawal limit is included in the credit limit of the credit card, which is generally 50% of the credit limit. The domestic cash withdrawal limit for Bank of Communications credit cards, the cumulative amount of cash withdrawals using the credit limit per card per day shall not exceed RMB 2,000.
2. The maximum daily cash withdrawal for each card from an ATM machine shall not exceed RMB 5,000 (if there is sufficient excess, at least the excess repayment shall be greater than RMB 3,000). The maximum withdrawal for cash withdrawal at the counter shall be all the excess repayment." 2000” RMB. You cannot use your credit line to withdraw U.S. dollars within the country.
3. Overseas cash withdrawal with Bank of Communications credit card.
The cumulative daily ATM cash withdrawals of each card shall not exceed US$1,000, the cumulative monthly cash withdrawals shall not exceed the equivalent of US$5,000, and the cumulative cash withdrawals every six months shall not exceed US$10,000 (provided there is sufficient excess repayment amount in US dollars). If the credit limit is used to withdraw cash, each The card cannot exceed RMB 2,000 or its equivalent per day.
Influence of the installment limit of Bank of Communications credit card
1. The installment limit of Bank of Communications credit card cannot be higher than the credit card limit, and the maximum cannot exceed 150,000 RMB or 6,000 US dollars. Deposit in the credit card or temporarily adjust the amount. A high credit limit cannot increase the maximum limit for applying for installment transactions.
2. After successful installment application for Bank of Communications credit card, the credit limit of the cardholder will be occupied and gradually restored after each installment is repaid.
Bank of Communications credit card limit adjustment
1. The long-term credit limit of Bank of Communications credit card will be adjusted regularly by Bank of Communications, and non-cardholders actively request to increase the credit card limit.
2. When you need a higher credit limit within a certain period of time when traveling abroad, moving to a new home, etc., you can call the customer service hotline to apply for a temporary increase in your credit limit. After the temporary credit limit expires, an over-limit handling fee will be charged for the portion actually used that exceeds the credit limit.
Bank of Communications credit card limit inquiry
1. Bank of Communications credit card limit can be inquired through the customer service hotline, and you can learn about the arrears of RMB and US dollar accounts, current available limit and other information anytime and anywhere.
2. The Bank of Communications credit card customer service hotline is as follows:
800-988-8888 (free, only applicable to landlines, local calls)
4008009888( Mobile phone users can dial)
400-889-3888 (Co-branded card users can dial)
How to apply for a temporary limit increase with a Bank of Communications credit card?
There are several ways:
1. Call the 24-hour customer service hotline of Bank of Communications Credit Card Center: 400-800-9888 to apply for a temporary limit increase.
2. Use the "Pay Now" app to apply for an increase.
3. Use the reserved mobile phone number to edit the text message ccty and send it to 95559 to apply for a quota increase.
4. Log in to Bank of Communications online banking to apply.
5. Apply at a Bank of Communications branch.
Extended information
The requirements for temporary limit adjustment are relatively low. You can apply for the Bank of Communications credit card after using it for 6 months.
After the cardholder successfully applies for the temporary limit, the limit will take effect immediately. However, the temporary limit is only valid for a short period of time, and the validity period is generally not more than 60 days, and extension cannot be applied for after the temporary limit expires.
Bank of Communications will have a system to judge how much the temporary limit of each customer's credit card can be increased. The limit adjustment will be different for each person's card usage.
After temporarily increasing the limit of Bank of Communications credit card, you must remember to repay it in full. The temporary limit cannot be partially repaid and installments cannot be applied. Put an end to bad card usage records and repay on time. Even if you cannot repay in full, you must repay the minimum repayment amount on time and pay interest.