The Agricultural Bank of China’s credit card limit has been steadily increasing, and there are also various awesome preferential activities, so many people use Agricultural Bank of China’s credit cards. But some people want to apply for an increase in the credit limit of the Agricultural Bank of China credit card, but they are unsuccessful. What is the reason?

Why can't the limit increase of the Agricultural Bank of China credit card be approved?

1. Excessive credit extension of the credit card affects the limit increase.

Excessive credit extension, as the name suggests, means that your credit limit is too high and the bank imposes a rigid deduction. There are two ways to solve this problem. Either submit proof of financial resources to prove your financial resources to the bank and improve the bank's comprehensive credit. Or reduce the credit lines and hidden lines of other banks.

2. How you use the credit card affects the recommended limit

If you use an Agricultural Bank of China credit card, you still cannot get the recommended limit of the Agricultural Bank of China even after the 6.1 limit increase time. This situation means that the cardholder failed to obtain a "shadow credit" in the ABC system. The reason for this situation is generally due to high personal comprehensive debt and bad card usage habits. The solution is to reduce personal debt, control comprehensive debt below 60, and try not to have empty cards and minimum repayments.

3. If your credit card is locked by a branch due to violations, it will affect the limit increase

If your credit card is blocked, you will definitely not be able to increase your limit. The manifestation of a locked card is to adjust the limit on your own If so, two prompts will appear: "Customer-level lock code exists" or "Customer-level lock code exists at account level." The reason why the card is locked is simply due to illegal use of the card. The solution is of course to unlock the card and the person who rings it. The cardholder can only negotiate with the branch where the card was applied for. Whether the card can be unlocked successfully depends on the individual's ability. .

4. You cannot increase the balance of your credit card before the credit limit adjustment period

This is a common mistake made by novices. Credit card veterans can simply skip this. Credit card limit increases have a time cycle. The first limit increase after the Agricultural Bank of China credit card has been used for more than 6 months is not particular. The next limit increase needs to follow the 6 1 time period. As for the 3 1 limit increase, it has expired.

5. Unpaid installments other than the credit card limit affect the amount increase

The installment mentioned here is not the credit card bill installment. The unpaid installment mentioned here refers to the Lefen of Agricultural Bank of China. Installments beyond the credit card limit such as easy payment, reserve funds, etc. Although Agricultural Bank of China's Lefenyi and reserve funds are loan limits, they are also credit lines and will increase the overall credit limit, which will definitely affect the increase.

Tips for raising credit limit with Agricultural Bank of China

1. Purchase Agricultural Bank of China time deposit: Before withdrawing money with credit card, go to Agricultural Bank of China to apply for a small time deposit (five-year term), and then call Agricultural Bank of China customer service to apply. Withdraw money. It is understood that the success rate is as high as 95%, and the time deposit money will be enough after the withdrawal is successful;

2. Apply for installments from time to time: Banks will like any credit card holders who can make the bank money. For example, the installment consumption model allows banks to enjoy a little benefit (installment fees and interest) every month, and banks can easily apply for withdrawals;

3. Reduce the minimum number of repayments: the minimum repayment amount It allows the cardholder to not worry for the time being, but it also makes the bank think that the cardholder does not have sufficient financial strength. Requests for a balance increase will basically not be approved;

4. When increasing the credit card amount, cardholders can use Agricultural Bank of China credit cards to consume more than 8 credit cards per month; the consumption types should be as diverse as possible ization, focusing on brick-and-mortar shopping rather than online shopping, consumption in offline stores has also increased; try to choose POS machines between 10:00 am and 9:00 pm to swipe cards to avoid merchants with unreasonable card swiping.

The above are several reasons why the Agricultural Bank of China credit card limit increase cannot be approved. I hope it will be helpful to everyone.