Hello, you can apply for a credit card withdrawal for more than 6 months. Within 6 months before you apply for credit card withdrawal, you need to have diversified consumption, no overdue repayment, no minimum repayment, no temporary limit, etc. The following methods for adjusting the fixed credit line are expected to be adopted:

1. If you want to increase your credit limit, you must first understand the credit evaluation basis of Chu Bank. Most banks analyze the credit card usage records (consumption and repayment records) of credit card holders every three months, evaluate the credit of cardholders according to the usage of cards, and then decide whether to increase the credit limit of their credit cards.

2. The places where many people use credit cards the most are online shopping and online payment, such as shopping on Taobao and other websites and recharging payment in various online business halls. A lot of credit cards are used in each billing cycle, but the credit card limit just can't be raised. In fact, online shopping and online payment have no points, which is not the basis for increasing the quota. Therefore, it is impossible to increase the quota through online shopping and online payment.

3. There is an exception to online consumption and online payment, that is, the special merchants of China Merchants Bank, as long as they make online shopping or online banking payment at these special merchants, it is a credit card score, which can also be used as the basis for China Merchants Bank to evaluate the credit of cardholders. Usually, it is more about offline credit card consumption, and the personal credit of the banking system is often based on offline credit cards.

4. In a credit evaluation cycle, a large number of credit cards are swiped every month, at least the amount swiped is equal to the current credit card limit. If there is still a considerable gap from the full amount of the credit card, you can withdraw the cash, and China Merchants Bank credit card will withdraw the existing points. It should be noted that the withdrawal should be returned in full as soon as possible. In this way, the amount of cards used for credit assessment of the promotion quota of China Merchants Bank can be reached.

5. For each billing cycle, make full repayment before the final repayment date, without using the minimum repayment amount. For cash withdrawal, it is best to repay in full the next day. In this way, it can meet the requirements of good repayment record in the credit assessment of China Merchants Bank.