Better

1. Control the number and amount of credit card swipes

How to maintain a credit card, of course, use it frequently. Generally speaking, the number of monthly purchases on a card must be more than 30, and the amount of card transactions in a single month must exceed 60% of the total credit limit. Applications for a credit limit increase are quick and easy to be approved.

2. Choose a merchant with points to swipe your card

Swiping your card at any merchant will not help you increase your limit. Frequently swiping your card at some merchants without points will not help you increase your limit. On the contrary, it is not conducive to raising the quota, such as real estate, public welfare, wholesale, etc. Cardholders should avoid swiping their cards at these merchants and spend more with their cards at restaurants, entertainment, department stores and other merchants, which will not only help increase their credit limit but also accumulate credit card points.

3. Appropriate installment, cash withdrawal and card maintenance

After all, banks are profit-making institutions rather than public welfare institutions. Only profits can ensure their operation and development. If you pay in installments appropriately or withdraw cash, this is also a way to increase your credit card limit quickly. Note that there are handling fees for installment and cash withdrawal, so you have to control the fees, otherwise it won’t be worth it if you pay too much.

4. Avoid consumption behaviors that banks do not like

Although credit cards are used for overdraft consumption, there are always people who use credit cards to cash out. If you want to increase your limit, it is best not to do so. Cash out, once discovered by the bank, not to mention raising the limit, it may even affect your continued use of the card. Also, don’t withdraw too much cash. Although it can bring profits to the bank, if you go too far, the bank will think that your purpose of applying for the card is impure or you have financial difficulties, so it will be difficult to increase the limit.

5. Overseas consumption card raising limit

Overseas credit card consumption generally involves currency conversion fees and other fees, as well as exchange differences, which are also part of the bank's credit card business. source of income and therefore would be welcomed by banks. In addition, overseas consumption means that cardholders have good consumption needs and abilities, and banks are willing to increase their credit limit for such high-quality customers.

6. Find the right time to increase your limit quickly

It is not enough to maintain the card. The time when you apply for an increase is also important, such as when you make a single large-amount purchase or make a swipe. If you apply for a credit card limit increase immediately after using the credit card, the bank will think that the cardholder has a high demand for credit card consumption, and the current credit limit can no longer meet his needs, and the limit needs to be increased.