Each bank will review personal credit when users apply and give a certain amount according to their financial repayment ability. Although credit cards bring a lot of convenience to people's daily life, it is a risk for users if the amount given by banks is much higher than the repayment ability of users. After all, the credit card overdraft limit usually takes about 45-50 days. After the expiration, users need to repay in time to continue using it.
Personal recommendation
When using a credit card, you must spend according to your own economic repayment ability, and you can't use it as cash to avoid being unable to repay after overdraft.
Credit card withdrawal method of Weihai Commercial Bank
1. Threatens to use the cancellation card or suspend sleep.
Threaten to use a pin card or suspend sleep. When your application has been rejected many times, you can consider using this trick. Tell the customer service or staff of the bank directly that if the credit card limit cannot meet the actual needs, you will consider returning the card. It is best to present some facts, of course, the attitude should not be too bad, and it is best to combine hard and soft, so that it is easy to get room for discussion and consultation.
Second, adhere to the application and seize the application opportunity.
Insist on applying and seize the opportunity to apply, and have both. For credit card users, you can insist on applying by phone to increase the credit card limit, because different customer service or staff have slightly different attitudes and principles in handling this application. Maybe the last one failed and the next one passed. Sticking to the record left by telephone application will also help to increase the application amount in the future.
Third, continuous and frequent credit card consumption.
Persistence means that after you have a credit card, you should insist on long-term credit card consumption. It is best to have a credit card spending limit every month for more than three months. Don't freeze it for a long time.
The frequency is to swipe your card anywhere you can, regardless of the amount. The more credit card times and services, the better. If you swipe your card at one time, it is easy for the bank to think that you are suspected of using a credit card to withdraw cash, and it is difficult to increase the quota.